Senior Software Engineer (m/f/d) - Risk

Permanent employee, Full-time · Berlin

Your mission

Ratepay‘s risk management platform scans hundreds of thousands of transactions per day in order to enable secure payments for our merchants and their customers while also protecting our profitability.

For this purpose, Software Engineers, Data Scientists, Data Engineers, Machine learning Engineers and Product Managers closely collaborate in the Risk-engineering tribe to continuously enhance our risk management capabilities by creating new inhouse solutions for fraud prevention and credit risk assessment based on state-of-the-art machine learning, data processing, and the integration of third-party providers. "

Your tasks at Ratepay, among others

You are responsible for the development, operation and improvement of our systems
You integrate internal and external APIs in a microservice architecture
You are an active participant in our agile software engineering process, and work closely with interdisciplinary teams
You guide and support junior team mates

That's what you bring along

At least 7 years of professional working experience in Java backend development
Experience working within fintech
Experience within risk engineering
Hands-on expertise in Software Engineering using Spring/SpringBoot, Git, Maven, Docker, and Jenkins
Experience working with Postgres, Mongo or Redis
Solid experience with cloud technologies (AWS)
Very good conceptual knowledge about RESTful APIs, microservices, event-driven architecture (Apache Kafka), OAuth (Auth0) and Contract Testing via PACT
Experience with Kafka Streams to transform and store data
Experienced in building high-quality customer solutions in an agile environment
Involvement in every step of the software lifecycle and internalisation of the DevOps approach ("you build it, you run it")
Self-organised work as well as collaboration within the team and with other teams at Ratepay to deliver high value to our stakeholders and merchants
Very good English language skills

That's how working with us will be

A team with passion for agility in which you play a decisive role
Flexible working hours and hybrid working models for your individual work-life balance
A monthly mobility budget for your public transport subscription or via the RYDES app
Are you a digital nomad? With Ratepay you can work up to 3 months a year from abroad in the EU
Plenty of room for personal growth, knowledge exchange and professional development
Company pension scheme with employer allowance
The opportunity to get involved in social projects as part of our sustainability initiative

Equal Opportunities & Diversity

We value our diversity and welcome everyone to our team. Regardless of ethnic and social background, religious beliefs, worldview, gender, sexual orientation, physical and mental limitations, age, marital status, educational background and nationality.

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About us

We are where we are because we work together as one team. Because we got the freedom to execute ideas. And above everything: because we never stop improving. Here it is all about shared goals not about the big ego. We are dedicated pros (more than 250 of them) not cons. We embrace being courageous, committed and decisive, warm-hearted and having a will to win.

We have our origin in the heart of the payment scene and cover the whole value chain from integration support to the dunning process with a core of AI-based risk management. With us, you can integrate direct debit, instalments and prepayment. In other words: the favourite payment methods in Germany, Austria and Switzerland (the Dutch like it too). Located in the middle of Europe’s fintech metropolis (Berlin) we are proud to work with major partners such as Eurowings, Ebay and About You and hundreds more.

Deine Mission

Die Risikomanagement-Plattform von Ratepay scannt täglich Hunderttausende von Transaktionen, um sichere Zahlungen für unsere Händler und deren Kunden zu ermöglichen und gleichzeitig unsere Rentabilität zu schützen.

Zu diesem Zweck arbeiten Software-Ingenieure, Datenwissenschaftler, Dateningenieure, Ingenieure für maschinelles Lernen und Produktmanager im Stamm des Risiko-Engineerings eng zusammen, um unsere Risikomanagement-Fähigkeiten kontinuierlich zu verbessern, indem wir neue interne Lösungen für die Betrugsprävention und die Bewertung des Kreditrisikos auf der Grundlage von modernstem maschinellem Lernen, Datenverarbeitung und der Integration von Drittanbietern entwickeln. "

Werfen Sie einen Blick auf unseren Tech-Stack: https://stackshare.io/ratepay/ratepay-gmbh 

Ihre Aufgaben bei Ratepay, u.a.

Du bist verantwortlich für die Entwicklung, den Betrieb und die Verbesserung unserer Systeme
Du integrierst interne und externe APIs in eine Microservice-Architektur
Du bist ein aktiver Teilnehmer in unserem agilen Softwareentwicklungsprozess und arbeitest eng mit interdisziplinären Teams zusammen
Sie leiten und unterstützen jüngere Teammitglieder

Das bringst du mit

Mindestens 7 Jahre Berufserfahrung in der Java-Backend-Entwicklung
Erfahrung im Bereich Fintech
Erfahrung im Bereich Risk Engineering
Praktische Erfahrung in der Softwareentwicklung mit Spring/SpringBoot, Git, Maven, Docker und Jenkins
Erfahrung in der Arbeit mit Postgres, Mongo oder Redis
Solide Erfahrung mit Cloud-Technologien (AWS)
Sehr gute konzeptionelle Kenntnisse über RESTful APIs, Microservices, ereignisgesteuerte Architektur (Apache Kafka), OAuth (Auth0) und Contract Testing via PACT
Erfahrung mit Kafka Streams zur Transformation und Speicherung von Daten
Erfahrung in der Entwicklung hochwertiger Kundenlösungen in einer agilen Umgebung
Beteiligung an jedem Schritt des Software-Lebenszyklus und Verinnerlichung des DevOps-Ansatzes ("you build it, you run it")

Darauf kannst du dich bei uns freuen

Ein Team mit Leidenschaft für Agilität, in dem Sie eine entscheidende Rolle spielen
Arbeiten mit einem modernen Tech-Stack und die freie Wahl Ihrer Arbeitsmittel
Flexible Arbeitszeiten und hybride Arbeitsmodelle für Ihre individuelle Work-Life-Balance
Ein monatliches Mobilitätsbudget für Ihr ÖPNV-Abo oder über die RYDES-App
Sind Sie ein digitaler Nomade? Mit Ratepay können Sie bis zu 3 Monate im Jahr aus dem EU-Ausland arbeiten
Viel Raum für persönliches Wachstum, Wissensaustausch und berufliche Entwicklung
Betriebliche Altersvorsorge mit Arbeitgeberzuschuss
Die Möglichkeit, sich im Rahmen unserer Nachhaltigkeitsinitiative in sozialen Projekten zu engagieren

Chancengleichheit & Vielfalt

Wir schätzen unsere Vielfalt und heißen jeden in unserem Team willkommen. Unabhängig von ethnischem und sozialem Hintergrund, religiösen Überzeugungen, Weltanschauung, Geschlecht, sexueller Orientierung, körperlichen und geistigen Einschränkungen, Alter, Familienstand, Bildungsstand und Nationalität.

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Über uns

We dare to design the future of payments. Ratepay is energy and diversity and: custom-made state-of-the-art payment solutions. Established in 2009 we were a fintech before the word fintech even existed. Today we are the number one white-label Buy Now Pay Later payments provider in Europe handling over 2.5M transactions per month and we’re constantly growing.

We are where we are because we work together as one team. Because we got the freedom to execute ideas. And above everything: because we never stop improving. Here it is all about shared goals not about the big ego. We are dedicated pros (more than 250 of them) not cons. We embrace being courageous, committed and decisive, warm-hearted and having the will to win.

We have our origin in the heart of the payment scene and cover the whole value chain from integration support to the dunning process with a core of AI-based risk management. With us, you can integrate direct debit, instalments and prepayment. In other words: the favourite payment methods in Germany, Austria and Switzerland (the Dutch like it too). Located in the middle of Europe’s fintech metropolis (Berlin) we are proud to work with major partners such as Eurowings, Ebay and About You and hundreds more.

Apply for this job

Your application

Thank you for considering a career at Ratepay GmbH. Please fill out the following form. In case you are experiencing problems with the document upload, mail your documents to jobs@ratepay.com.