Senior/Staff Software Engineer - Cards API team

Wise Payments; Singapore; On-site; SGD 120,000 - 160,000; Full time

Job summary

Wise is looking for a Senior Software Engineer (IC3) to join the Platform Issuance team in Singapore. You’ll drive features that help partners onboarding, liquidity optimization, fraud prevention, and card analytics, delivering scalable microservices and well-documented APIs.

In an autonomous, cross-functional setup, you’ll collaborate with PMs, Analysts, and Engineers to decide what we build, ensuring reliability, security, and end-to-end ownership across the product’s lifecycle.

Qualifications

• Strong experience building microservices, event-driven architectures, relational databases, and well-designed APIs.
• Design and build resilient and scalable systems.
• Maintainable and well-tested software, predictable delivery, observability, and debt management.
• Product mindset focused on customer outcomes and API usability.
• End-to-end ownership from problem to rollout and roadmap planning.
• Accountable for availability, reliability, and security.

Responsibilities

• Drive features for onboarding, liquidity, fraud prevention, and analytics for Cards API.
• Work with PMs, Analysts and Engineers to decide what to build.
• Ensure APIs are simple to consume and well documented.
• Collaborate across functions to deliver practical solutions.

Skills

Microservices

Event-driven architectures

Relational databases

APIs design and documentation

System scalability

Observability

Technical debt management

Tools

Java

Spring Boot

Kafka

Job description

Company Description

Wise is a global technology company, building the best way to move and manage the world’s money.
Min fees. Max ease. Full speed.

Whether people and businesses are sending money to another country, spending abroad, or making and receiving international payments, Wise is on a mission to make their lives easier and save them money.

As part of our team, you will be helping us create an entirely new network for the world's money.
For everyone, everywhere.

More about our mission and what we offer.

Job Description

Our Cards API powers programmatic digital and physical card issuance for global fintech leaders such as Nubank, Tiger Brokers, and XP, alongside a full suite of management tools for spending controls and limits. Take a look at our Cards API documentation to understand what we’ve built.

We’re looking for a Senior Software Engineer (IC3) to join the fast-growing Platform Issuance team in Singapore. In this role, you’ll drive features that solve our partners’ challenges, including accelerating onboarding, optimizing liquidity, combating fraud, and delivering card analytics.

Operating in an autonomous, cross-functional team, you’ll work with PMs, Analysts, and fellow Engineers to decide what we build, not just how we build it.

Qualifications

Technical

• Strong experience building microservices, event-driven architectures, relational databases, and well-designed APIs.

• Ability to design and build resilient and scalable systems

• Commitment to maintainable and well-tested software, predictable delivery, effective observability, and proactive technical debt management.

Product Mindset

• Strong product mindset, connecting engineering decisions to customer outcomes.

• Focused on the partner experience, ensuring APIs are simple to consume and well documented.

• End-to-end ownership of impactful projects, from understanding the problem and shaping the solution through delivery, rollout, measurement, and future roadmap planning

Leadership & Collaboration

• Accountable for the availability, reliability, and security of the systems you and your team build.

• Self-starting and collaborative approach, with the confidence to work independently, take initiative, own the technical roadmap and deliverables of your projects

• Clear and adaptable communication, translating complex technical concepts for different audiences and collaborating effectively across functions to reach practical, well-balanced solutions that achieve your team's goals.

Nice-to-have

• Experience with Java, Spring Boot and Kafka

• Experience building a finance API

• Experience in the card payments domain, either as an issuer or acquirer

Additional Information

For everyone, everywhere. We're people building money without borders without judgement or prejudice, too. We believe teams are strongest when they are diverse, equitable and inclusive.

We're proud to have a truly international team, and we celebrate our differences.
Inclusive teams help us live our values and make sure every Wiser feels respected, empowered to contribute towards our mission and able to progress in their careers.

If you want to find out more about what it's like to work at Wise visitWise.Jobs.

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