Senior Software Engineer - Payments

Zepz; Greater London; Hybrid; GBP 90,000 - 140,000; Full time

Benefits offered by this job

Unlimited annual leave

Great healthcare benefits

Office near London with regular in‑per

Job summary

Zepz is hiring a Senior Software Engineer in Payments to build the end-to-end payments experience, including payment methods, recipient creation, orchestration, and transaction records. You will help scale our fiat and crypto wallet solutions and collaborate across teams to ensure secure, high-quality payment flows.

You will work with Kotlin/Java backend services, focusing on testability, documentation, and maintaining a strong customer-centric mindset while embracing ownership and continuous

Qualifications

• Experience building backend services and APIs in Kotlin or Java.
• Strong focus on observability, metrics, and monitoring for business impact.
• Proven track record of delivering scalable, well-tested code with good documentation.

Responsibilities

• Build and maintain end-to-end payments experiences, including payment methods, recipient creation, and transaction records.
• Improve existing fiat and crypto wallet solutions.
• Collaborate with other teams to ensure secure payment flows across products and features.

Skills

Kotlin

Java

Backend APIs

Observability

Testing

Ownership

Tools

PostgreSQL (AWS Aurora)

Apache Airflow

Grafana

Datadog

Job description

Senior Software Engineer - Payments

Join Zepz: Breaking Down Borders, Together

Our Meaningful Mission

At Zepz, we're all about breaking down barriers for our customers and our teammates. Our purpose is deeply personal, we provide a lifeline and deliver opportunities to cross-border communities that need it most through cutting edge finance and tech. Zepz is the power behind WorldRemit and Sendwave, driven by the mission to celebrate the incredible impact migrants have, both at home and abroad. We're not just moving money; we're building a world that truly recognizes and supports global connections.

Who You'll Be Joining

We look for mission-driven builders who thrive in a fast-paced environment connected to a true purpose. We're an always developing team of experts that enjoy problem solving and bring clarity to tough challenges. At Zepz, we are Relentless Learners, always seeking feedback, and Responsible Owners, treating company resources like your own. We depend on Transparent Communicators who keep the team aligned through open, honest talk.

Our Core Commitments - What We Live By

• Integrity: We always do the right thing. It's simple, but it's the foundation of everything we build for our customers and each other.
• Outcomes: We work for our customers. Their success and prosperity are the results we focus on delivering.
• Velocity: We are fast! We maintain high energy levels and make smart decisions quickly, keeping us nimble and ahead of the curve.

Perks of Joining Our Team

We believe in empowering colleagues because we genuinely trust our team. Our culture is founded on this high trust, which naturally encourages the high ownership that drives us to meet our shared high expectations and deliver high performance. While we have all the tools to work remotely, we value the purpose and benefits of in-person connections so we expect our teams to come to the office on a regular basis, and therefore be within a comfortable commutable distance from our London office. Alongside a great office environment, think unlimited annual leave , great healthcare benefits, and employee discounts. We want you to thrive and focus entirely on making your biggest impact! In turn, we expect you to bring high ownership and commitment to your work. This is a place where we value trust and high performance, and we'll provide the environment and support needed for you to excel.

About the Role

As an Engineer in Payments, you will build the seamless, reliable, and performant systems that power our user journey, from initial quote to final delivery of funds. This involves owning core workflows: managing payments in, handling recipient creation, overseeing transaction lifecycles, and evolving in-app wallet capabilities. We are building a highly scalable payments infrastructure to support the growth of Zepz and its multiple brands. Our solutions must be flexible and robust enough to handle increasing customer volumes, new payment methods, emerging products, and future brand integrations, ensuring an excellent user experience across the entire money movement lifecycle.

What you will own

• Build and maintain software for the end-to-end payments experience, including payment method management and capturing funds, recipient creation, payment orchestration, and transaction records.
• Look after and improve our existing fiat and crypto wallet solutions.
• Collaborate with other teams to help ensure smooth and secure payment flows across all products and features.

What you bring to the table

• You have strong experience building backend services/APIs in Kotlin or Java.
• The code you write:
  1. Follows industry best practices.
  2. Is well tested.
  3. Is maintainable.
  4. Is scalable.
  5. Is well documented.
• You deeply care about the customer experience and love to take ownership of solutions end-to-end.
• You are a keen learner and love to pick up new skills including new programming languages and get out of your comfort zone.
• You have a good understanding of observability and metrics: Dashboards and alerting are your bread and butter and you understand the value in monitoring the systems you build not only in terms of infrastructure and operational excellence, but also for business metrics.
• You are pragmatic, and understand that perfect is the enemy of done, but also that there are some things that cannot be compromised on.
• You have an open mind with respect to diversity and inclusivity. Our team (and customers) come from all over the world.

Bonus Points

• Have worked in fullstack teams alongside other backend and mobile engineers.
• Have exposure to Kotlin Multiplatform or Spring or Python are willing to learn on the job.
• Have strong familiarity with SQL
• Experience with the following tools and frameworks:
  1. Apache Airflow and or data pipelines.
  2. FastAPI and/or Flask
  3. Postgres (AWS Aurora Ideally)
  4. Grafana, Datadog, other monitoring tools
• Have experience working in the FinTech industry or other highly regulated environments

If you want to join us in our journey to help break barriers in financial access and improve lives globally, there's no better place or time to join. Our global team of 800+ people is spread across six continents. We aspire to hire the best mix of people from former Olympians to YouTube influencers and we speak over twenty languages. This incredible diversity isn't a bonus; it's the engine that lets us serve the world.