Senior Backend Engineer - Fintech API & Systems (Remote Germany)

United States Digital Space LLC; Germany (OH); On-site; USD 86,000 - 127,000; Full time

Job summary

BJAK is seeking backend engineers to build the core systems behind the company's AI Neobank app. You will craft reliable APIs, workflows and financial product infrastructure that can scale across markets, partners and millions of users.

Build backend services for onboarding, accounts, payments, cards, transfers, rewards, travel, FX, KYC and risk flows, while ensuring reliability, security and data quality. This role is remote but based in Germany, with English as the working language.

Qualifications

• Strong backend engineering experience in production systems.
• Good understanding of APIs, databases, authentication, authorization, queues, jobs, events and integrations.
• Experience building services used by real customers or internal operations at meaningful scale.
• Strong debugging, reliability, security and data quality mindset.
• Able to make practical trade-offs between speed, correctness, scalability and maintainability.
• Fintech, payments, banking, wallet, KYC, fraud or risk experience is a strong plus, but not required if fundamentals are strong.

Responsibilities

• Build backend services and APIs for onboarding, accounts, payments, cards, transfers, rewards, travel, FX, KYC and risk flows.
• Design reliable systems that can support real customer transactions, operational workflows and future financial products.
• Integrate with internal systems, financial partners, payment providers, AI services and third-party platforms.
• Own backend quality across reliability, security, latency, observability, data integrity and incident handling.
• Work with product, frontend, mobile and AI teams to launch features quickly and safely.
• Improve existing systems by simplifying flows, removing manual work and automating repeatable processes.

Skills

APIs

Databases

Authentication

Authorization

Queues

Events

Integrations

Reliability

Security

Observability

Job description

BJAK is seeking backend engineers to build the core systems behind the company's AI Neobank app. You will craft reliable APIs, workflows and financial product infrastructure that can scale across markets, partners and millions of users.

Build backend services for onboarding, accounts, payments, cards, transfers, rewards, travel, FX, KYC and risk flows, while ensuring reliability, security and data quality. This role is remote but based in Germany, with English as the working language.