Backend Engineer, Payments and Risk

Stripe; New York (NY); On-site; USD 157,000 - 235,000; Full time

Benefits offered by this job

Equity

401(k) plan

Medical, dental, and vision benefits

Wellness stipends

Job summary

Stripe is seeking backend engineers to design, build, and scale money-movement APIs for a global audience. You will work with cross-functional teams to deliver reliable services and improve developer experiences across stacks.

The role emphasizes autonomy, mentorship, and ownership, with opportunities to impact payments infrastructure at a large scale. In-office expectations vary by location, with a competitive base salary and solid benefits.

Qualifications

• 2+ years of industry software engineering experience (does not include internships or co-ops).
• Strong coding skills in any programming language (interview process is language-agnostic).
• Strong collaboration skills; can work across workstreams within your team and contribute to peers' success.
• Ability to thrive with a high degree of autonomy and ownership, with an entrepreneurial mindset.
• Interested in working as a generalist across varying technologies and stacks to solve problems and delight users.

Responsibilities

• Design, build, and maintain APIs, services, and large-scale systems that reliably and efficiently handle billions of money movement requests
• Debug and solve critical production issues across services and multiple levels of the stack
• Mentor engineers to help them grow
• Collaborate with stakeholders across the company to build new features at large scale, while improving internal engineering standards and tooling
• Collaborate effectively in a distributed and hybrid team, maintaining open communication and strong connections with colleagues

Skills

API design

Programming languages

Cloud services

Collaboration

Autonomy

Tools

gRPC

GraphQL

Docker

Kubernetes

AWS

Job description

About Stripe

Stripe is a financial infrastructure platform for businesses. Millions of companies — from the world's largest enterprises to the most ambitious startups — use Stripe to accept payments, grow their revenue, and accelerate new business opportunities. Our mission is to increase the GDP of the internet, and we have a staggering amount of work ahead. That means you have an unprecedented opportunity to put the global economy within everyone's reach while doing the most important work of your career.

About The Organization

Payments and Risk

Sub-orgs: Link and OCS, Payments Acceptance, Risk

The Payments organization focuses on developing products and platforms that enable users to accept payments from customers efficiently. This includes building APIs for processing payments, enabling regional, non-card payment options, and extending Stripe's capabilities to make it easy for businesses to accept in-person payments. Optimized Checkout and Link teams work to create best-in-class checkout experiences that enhance customer satisfaction and drive merchant conversion rates. The Risk Engineering team develops products that minimize financial and regulatory risks while ensuring a seamless user experience, thereby safeguarding Stripe's brand and financial stability.

Team Matching: Exact team matching for one of the sub-teams will begin during final stages. Please note we may also consider you for different orgs based on your experience, location, etc.

What you'll do

We're looking for backend engineers who want to make an impact on managing money at a global scale with a passion for building ergonomic APIs. Our team collaborates with many cross-functional teams — from Infrastructure to Product — to deliver innovative solutions that address evolving user needs.

Responsibilities

• Design, build, and maintain APIs, services, and large-scale systems that reliably and efficiently handle billions of money movement requests
• Debug and solve critical production issues across services and multiple levels of the stack
• Mentor engineers to help them grow
• Collaborate with stakeholders across the company to build new features at large scale, while improving internal engineering standards, tooling, and processes
• Collaborate effectively in a distributed and hybrid team, maintaining open communication and strong connections with colleagues

Who you are

We're looking for someone who meets the minimum requirements to be considered for the role. If you meet these requirements, you are encouraged to apply. The preferred qualifications are a bonus, not a requirement.

Minimum Requirements

• 2+ years of industry software engineering experience (does not include internships or co-ops)
• Strong coding skills in any programming language (we understand new languages can be learned on the job, so our interview process is language agnostic)
• Strong collaboration skills; can work across workstreams within your team and contribute to your peers' success
• Ability to thrive with a high degree of autonomy and ownership, with an entrepreneurial mindset
• Interested in working as a generalist across varying technologies and stacks to solve problems and delight both internal and external users

Preferred Qualifications

• Experience with large-scale financial tracking systems
• Good understanding and practical knowledge of cloud-based services (e.g., gRPC, GraphQL, Docker/Kubernetes, AWS, etc.)

In-office expectations

Office-assigned Stripes in most of our locations are currently expected to spend at least 50% of the time in a given month in their local office or with users. This expectation may vary depending on role, team and location. For example, Stripes in Stripe Delivery Center roles in Mexico City, Mexico, Bengaluru, India, and Dublin, Ireland work 100% from the office. Also, some teams have greater in-office attendance requirements, to appropriately support our users and workflows, which the hiring manager will discuss. This approach helps strike a balance between bringing people together for in-person collaboration and learning from each other, while supporting flexibility when possible.

Pay and benefits

The annual US base salary range for this role is $156,800 - $235,200. For sales roles, the range provided is the role’s On Target Earnings ("OTE") range, meaning that the range includes both the sales commissions/sales bonuses target and annual base salary for the role. This salary range may be inclusive of several career levels at Stripe and will be narrowed during the interview process based on a number of factors, including the candidate’s experience, qualifications, and location. Applicants interested in this role and who are not located in the US may request the annual salary range for their location during the interview process.

Additional benefits for this role may include: equity, company bonus or sales commissions/bonuses; 401(k) plan; medical, dental, and vision benefits; and wellness stipends.

We look forward to hearing from you.

At Stripe, we're looking for people with passion, grit, and integrity. You're encouraged to apply even if your experience doesn't precisely match the job description. Your skills and passion will stand out—and set you apart—especially if your career has taken some extraordinary twists and turns. At Stripe, we welcome diverse perspectives and people who think rigorously and aren't afraid to challenge assumptions. Join us.