Software Engineer in Risk (f/m/d)

Permanent employee, Full-time · Berlin

Your Mission

Ratepay is a dynamic and innovative fintech company dedicated to revolutionizing payment solutions in the online retail sector. We empower e-commerce businesses with flexible and secure payment options, allowing them to optimize their revenue streams. As a DevOps Engineer at Ratepay, you will play a crucial role in our mission to streamline and enhance our payment processing systems.

Together we work on next-generation solutions for major online retailers and marketplaces, thereby developing the digital payment solutions of tomorrow's online world.

As a Software Engineer (m/f/d) at Ratepay, you will make a significant contribution to our shared mission of building and developing secure and simple payment solutions for the online retail market, which still continues to grow.
 
Key Responsibilities:

Drive the development, operation, and continuous improvement of our systems.
Integrate internal and external APIs within a microservice architecture.
Provide tools and metrics to effectively monitor both technical and business KPIs.

That's What You Bring Along

A minimum of 4 years of professional experience in Java backend development; familiarity with Kotlin is a plus.
Hands-on expertise in software engineering with Spring/Spring Boot, Git, Maven, Docker, and Jenkins.
Deep understanding of RESTful APIs & microservices.
Proven track record of building high-quality customer solutions in an agile environment.
Full involvement in the software development lifecycle, embracing a DevOps mindset ("you build it, you run it").
Ability to work independently while fostering collaboration within your team and across departments to deliver high-value solutions for stakeholders and merchants.
Strong command of the English language.

Preferred Qualifications:

Proficiency in AWS cloud technologies.
Knowledge of event-driven architecture (Apache Kafka).
Experience with Kotlin.

That's How Working With Us Will Be

Stability & Innovation: Become part of a dynamic fintech company that is transforming the financial industry through innovation and technology.

Work with a diverse and talented team committed to pushing boundaries and setting new standards.
We are part of the NEXI Group - one of the biggest financial groups in Europe

Culture & Social: Work with a diverse and talented team (we have 40+ nationalities!) committed to pushing boundaries and setting new standards.

Collaborate at our brand-new office in the heart of Berlin: enjoy BBQs on our rooftop terrace and connect with colleagues over freshly brewed coffee from our barista coffee machine.
Experience regular company and team events: monthly free lunch, summer party, all-hands meetings, guest speakers, conferences & events.
Community Connect – get involved in one of our social projects, as part of our sustainability initiative

Growth: Unlock endless opportunities for professional development and advancement as you drive fintech excellence.

Buddy Program for language learning: improve your English or German through tandem sessions with your colleagues.
Access to learning platforms, and if included in your P&D goals, you can attend additional training sessions.
Personal Development Plans - your career progression is taken seriously with us

Flexibility: We offer flexible working hours and hybrid working options to balance work and family life.

We offer flexible working hours and hybrid working options to balance work and family life.
Recharge your batteries by enjoying 28 days of vacation every year
Become a digital nomad: Work with Ratepay from any EU country for up to 1 month per year.

Ratepaw Community: Our office has a floor which is dog-friendly. So, bring your pawsome pet to work when needed

Rewards: Enjoy a competitive salary and benefits package that reflects your expertise and contributions.

Generous private pension scheme- Ratepay match 100% of your contribution up to 50 Euros per month.
Flexible benefits - You have a monthly budget of 30 euros to choose between several benefits, for example, public transport subscription, grocery stores voucher, sports clubs, and many others.

Extra Benefits: We provide home office equipment, including screens and keyboards, to ensure you have the right setup when working from home.

Access to a corporate benefits platform where employees can get great discounts and offers for a range of online shops and activities.
Take part with your colleagues in company sponsored sport events or attend one of our employee organized fitness sessions.

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.
With over 200 employees and 40 different nationalities, we take our values seriously. These include ownership, growth, integrity, collaboration, customer centricity and inclusion.

Apply for this job

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

Drive the development, operation, and continuous improvement of our systems.
Integrate internal and external APIs within a microservice architecture.
Provide tools and metrics to effectively monitor both technical and business KPIs.

Das bringst Du mit

A minimum of 4 years of professional experience in Java backend development; familiarity with Kotlin is a plus.
Hands-on expertise in software engineering with Spring/Spring Boot, Git, Maven, Docker, and Jenkins.
Deep understanding of RESTful APIs & microservices.
Proven track record of building high-quality customer solutions in an agile environment.
Full involvement in the software development lifecycle, embracing a DevOps mindset ("you build it, you run it").
Ability to work independently while fostering collaboration within your team and across departments to deliver high-value solutions for stakeholders and merchants.
Strong command of the English language.

Preferred Qualifications:

Proficiency in AWS cloud technologies.
Knowledge of event-driven architecture (Apache Kafka).
Experience with Kotlin.

Darauf kannst Du Dich bei uns freuen

Stability & Innovation: Become part of a dynamic fintech company that is transforming the financial industry through innovation and technology.

Work with a diverse and talented team committed to pushing boundaries and setting new standards.
We are part of the NEXI Group - one of the biggest financial groups in Europe

Culture & Social: Work with a diverse and talented team (we have 40+ nationalities!) committed to pushing boundaries and setting new standards.

Collaborate at our brand-new office in the heart of Berlin: enjoy BBQs on our rooftop terrace and connect with colleagues over freshly brewed coffee from our barista coffee machine.
Experience regular company and team events: monthly free lunch, summer party, all-hands meetings, guest speakers, conferences & events.
Community Connect – get involved in one of our social projects, as part of our sustainability initiative

Growth: Unlock endless opportunities for professional development and advancement as you drive fintech excellence.

Buddy Program for language learning: improve your English or German through tandem sessions with your colleagues.
Access to learning platforms, and if included in your P&D goals, you can attend additional training sessions.
Personal Development Plans - your career progression is taken seriously with us

Flexibility: We offer flexible working hours and hybrid working options to balance work and family life.

We offer flexible working hours and hybrid working options to balance work and family life.
Recharge your batteries by enjoying 28 days of vacation every year
Become a digital nomad: Work with Ratepay from any EU country for up to 1 month per year.

Ratepaw Community: Our office has a floor which is dog-friendly. So, bring your pawsome pet to work when needed

Rewards: Enjoy a competitive salary and benefits package that reflects your expertise and contributions.

Generous private pension scheme- Ratepay match 100% of your contribution up to 50 Euros per month.
Flexible benefits - You have a monthly budget of 30 euros to choose between several benefits, for example, public transport subscription, grocery stores voucher, sports clubs, and many others.

Extra Benefits: We provide home office equipment, including screens and keyboards, to ensure you have the right setup when working from home.

Access to a corporate benefits platform where employees can get great discounts and offers for a range of online shops and activities.
Take part with your colleagues in company sponsored sport events or attend one of our employee organized fitness sessions.

Chancengleichheit & Vielfalt

Apply for this job

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 210 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.