Senior Software Developer - Back End

Xe.com; Bracknell; On-site; GBP 90,000 - 140,000; Full time

Benefits offered by this job

Competitive salary

Discretionary bonus

Pension 4%

Annual leave 23 days

Birthday day off

ESPP discount

Life & income protection

Healthcare

Mental health support

Volunteer day

Job summary

Xe is hiring a senior back-end engineer to own end-to-end backend delivery. You will design, implement, and operate services that move money, manage multi-currency balances, and support onboarding, KYC, FX, settlement, and related operations.

You will lead cross-functional delivery with product, compliance, and operations, mentor mid-level engineers, and drive architectural decisions. The role requires strong backend skills, leadership, and a focus on reliability and modern stack adoption.

Qualifications

• 6–10+ years building production backend services.
• Proficient in C# / .NET; other OOP languages welcome.
• Solid SQL fundamentals.
• Experience writing and maintaining tests.
• Daily use of AI-assisted coding tools (Copilot, Cursor, Claude Code).
• Production AWS experience with deployment, CI/CD, and services like SQS/DynamoDB/S3/ECS/Lambda.
• Strong system design with microservices and event-driven patterns.
• Payments, FX, or regulated-industry experience.
• Proven technical leadership: mentoring engineers and leading design reviews.
• Strong written and verbal communication.

Responsibilities

• Design and own backend services that move money and manage multi-currency balances.
• Lead cross-functional delivery from problem framing through launch.
• Lead the build of partner integrations and settlement infrastructure.
• Own production health, observability, on-call, and incident response.
• Lead design reviews, set technical direction, and mentor engineers.
• Use AI tools daily across the SDLC and drive modernization with architects.

Skills

6 to 10+ years backend experience

C# / .NET proficiency

SQL / relational databases

Testing/writing tests

Agentic coding tools

AWS & CI/CD

System design & microservices

Payments / FX / regulated industry

Technical leadership

Communication skills

Job description

Description

Xe is a cross-border payments platform. We help SMEs and consumers in the US, UK, Canada, Australia, and New Zealand collect, convert, hold, and send money across markets. Each year, over 300 million people use Xe for currency information and over 350,000 use us to send money overseas.

Xe is a cross-border payments platform. We help SMEs and consumers in the US, UK, Canada, Australia, and New Zealand collect, convert, hold, and send money across markets. Each year, over 300 million people use Xe for currency information and over 350,000 use us to send money overseas. Today, we're rebuilding the platform layer behind cross-border payments for corporate and consumer clients. We're small enough that your code ships fast and your decisions matter, and Euronet Worldwide (Nasdaq: EEFT) backs us so the problems stay real-scale.

About This Role

We're hiring a senior back-end engineer who owns real problems end-to-end and shapes how the team builds, from API design and data modeling through to service implementation, production reliability, and launch. You already use AI as part of how you think, build, test, and ship.

You’ll write code that moves money in production, design and modernize the backend services the platform runs on, and lead delivery of new capability as Xe rebuilds its platform layer. You’ll work in a small team with direct access to product, compliance, and operations, own architecture in your domain, lead design reviews, mentor mid-level engineers, and partner with architects and team leads on cross-domain decisions.

What You’ll Do

• Design and own backend services that move money and manage multi-currency balances across a range of domains, including onboarding, KYC and KYB, payment initiation, FX, settlement, and other supporting services.
• Lead cross-functional delivery with product, compliance, and operations from problem framing through launch.
• Lead the build of the partner integrations and settlement infrastructure your domain depends on.
• Own production health for your domain, including reliability, observability, on-call, and incident response.
• Lead design reviews, set technical direction for your domain, and mentor mid-level engineers.
• Use agentic coding tools (Copilot, Cursor, Claude Code, or equivalent) daily across the SDLC, and lead modernization from legacy services into the modern stack alongside architects and team leads in your domain.

What We’re Looking For

Must-have

• 6 to 10+ years building production backend services, end-to-end.
• Strong backend proficiency in C# / .NET preferred; other OOP languages welcome (Java, Kotlin, Go, or equivalent).
• 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, CI/CD pipelines and modern deployment practices, and native services such as SQS, DynamoDB, S3, ECS, and Lambda.
• Strong system design and architecture experience, including service-oriented or microservices and event-driven patterns.
• Payments, FX, or regulated-industry experience.
• Track record of technical leadership: mentoring engineers, leading design reviews, and making architecture decisions in your domain.
• Strong written and verbal communication.

Nice-to-have

• Experience with ledgers, double-entry accounting, or other financial-data systems.
• Experience hiring, interviewing, or onboarding engineers.
• Experience leading modernization or platform migrations.
• Experience with caching solutions like Memcached or Redis.
• Experience using project management and documentation tools like Jira and Confluence.
• Knowledge of API testing tools such as Postman or Bruno.
• Writing automated tests alongside development with AI tools (Claude Code or equivalent).

Perks & Benefits

• Competitive Salary & Discretionary Bonus
• 23 days annual leave increasing with service (capped at 28 days)
• Paid day off for your Birthday
• 4% employer pension contribution
• Discounted Euronet ESPP
• Life Cover, Income Protection & Critical Illness cover
• Healthcare
• Plumm Mental Health and Wellbeing
• Volunteering day for a charity of your choice

We want Xe to be a great place to work and to ensure that our communities are represented across our workforce. A vital part of this is ensuring we are a truly inclusive organization that encourages diversity in all respects.

Xe is an Equal Employment Opportunity employer. All qualified applicants will be considered for employment regardless of age, national origin, race, color, disability, religion, sexual orientation, gender identity or expression, or any other characteristic protected under applicable law. We are committed to providing reasonable accommodations to qualified individuals with disabilities. If you need assistance or an accommodation due to a disability, you may contact us [e-mail].

The position responsibilities outlined above are intended to define the general contents and requirements to perform this job. It is not to be taken as a complete statement of responsibilities or requirements. This job description does not restrict the Company’s right to assign or reassign duties and responsibilities to this job as needed.