Backend Engineer — Payments & Cross-Border Platform

Xe.com; Bracknell; On-site; GBP 60,000 - 90,000; Full time

Benefits offered by this job

Competitive Salary & Discretionary Bon

23 days annual leave increasing with 2

Birthday day off

4% employer pension contribution

Discounted Euronet ESPP

Life Cover, Income Protection & CI

Healthcare

Mental Health and Wellbeing

Volunteering day

Job summary

Xe is building a modern backend for cross-border payments, enabling onboarding, KYC/KYB, payments initiation and settlement. You will own end-to-end production work in a small team, shipping features and improving reliability with a strong emphasis on platform modernization and AI-assisted development.

You will work across design, implementation, and operations, contributing to highly available services that move money and handle multi-currency balances in production environments.

Qualifications

• 3 to 6 years building production backend services.
• Strong backend proficiency in C# / .NET.
• SQL and relational database fundamentals.
• Writing and maintaining tests.
• Daily use of agentic coding tools (Copilot, Cursor, Claude Code, or equivalent) across the SDLC.
• Production experience with AWS, including hands-on deployment and native services such as SQS, DynamoDB, S3, ECS, and Lambda.
• Strong system design fundamentals, including distributed systems and async or event-driven patterns.
• Strong written and verbal communication.

Responsibilities

• Build backend services that move money and manage multi-currency balances across onboarding, KYC/KYB, payment initiation, FX, settlement, and related services.
• Partner with product, compliance, and operations from problem framing through launch.
• Build and operate partner integrations and settlement infrastructure your services depend on.
• Own your services in production, including reliability, observability, on-call, and incident response.
• Use agentic coding tools daily across the SDLC to modernize parts of the platform in collaboration with architects.

Skills

C# / .NET

SQL

Testing

AWS

Distributed systems

AI coding tools

Tools

Copilot

Cursor

Claude Code

Postman

Jira

Confluence

AWS SQS

DynamoDB

S3

ECS

Lambda

Memcached

Redis

Job description

Xe is building a modern backend for cross-border payments, enabling onboarding, KYC/KYB, payments initiation and settlement. You will own end-to-end production work in a small team, shipping features and improving reliability with a strong emphasis on platform modernization and AI-assisted development.

You will work across design, implementation, and operations, contributing to highly available services that move money and handle multi-currency balances in production environments.