Senior

Senior Software Engineer II - Backend (Java) - Account Sharing

London, United Kingdom · Hybrid£111–145k

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

We are looking for a Senior Backend Engineer to join the Account Sharing team within Wise’s Consumer Squad. The team is focused on building entirely new products in the shared finances space for consumers — including international joint accounts and kid accounts.

Our mission is to make it easy for families, couples, friends, and flatmates across different countries to manage money together seamlessly through Wise. Unlike most existing solutions that are limited to domestic markets, we are building shared financial experiences that work globally.

This is a highly product-oriented engineering role where you’ll help shape products from the ground up. You’ll work closely with Product Managers, Designers, Data Analysts, and User Researchers to deeply understand customer problems and turn ambiguous ideas into scalable financial products used by millions of customers worldwide.

How we work

For everything we build, we keep our customers at the center of decision-making. We prioritize work based on customer research, behavioral data, and direct feedback, and we iterate quickly based on what we learn.

The Account Sharing team operates as a highly collaborative, cross-functional product team. Engineers are not expected to simply implement tickets — they are expected to contribute to product direction, challenge assumptions, influence technical strategy, and help shape the customer experience.

The environment is greenfield and fast-moving. Requirements evolve quickly, and engineers are encouraged to take ownership, drive discussions, and work closely with stakeholders across engineering, product, design, and research.

At Wise, we believe in autonomous teams where everyone contributes ideas, takes ownership, and helps define priorities together.

Impact

Your work will directly shape the future of shared finances at Wise.

You’ll help build products that allow families, couples, flatmates, and friends across different countries to manage money together in ways that existing financial products often cannot support today.

The systems and experiences you build will need to scale globally, support millions of customers, and navigate the complexities of international compliance, regulation, and financial infrastructure.

This role offers the opportunity to influence both technical architecture and product direction while helping Wise expand into a strategically important area of consumer finance.

What will you be working on?

Key focus areas for the team are:

Building international joint accounts for globally distributed users
Expanding Wise kid accounts into additional markets
Creating shared finance experiences that work across borders
Designing scalable backend systems for high-growth consumer products
Developing features around shared spending, sending/receiving money, and account customization
Collaborating on customer discovery and product iteration
Scaling infrastructure and improving reliability across multiple markets
Building greenfield financial products from concept to production

You’ll also have opportunities to work across multiple areas of the Wise ecosystem, including:

Send/receive money flows
Spend experiences
Authorization systems
FinCrime-related systems
Shared account infrastructure

What do you need?

You know how to build scalable distributed systems and deliver customer-facing products used by millions of users.
You are proficient in backend programming languages such as Java, Kotlin, Python, or Go.
You have strong experience designing asynchronous, reliable, and scalable systems within microservice architectures.
You are comfortable working in greenfield environments where requirements evolve rapidly and ambiguity is part of the process.
You have a strong product mindset and enjoy collaborating closely with Product Managers, Designers, Analysts, and Researchers to shape solutions — not just implement them.
You care deeply about customer experience and understand how technical decisions impact end users.
You are comfortable contributing to architectural discussions, challenging assumptions, and influencing technical and product direction.
You write clean, maintainable, well-tested code and care about long-term scalability and reliability.
You are a strong communicator who can explain complex technical concepts clearly and collaborate effectively across teams.
You are comfortable operating independently while also contributing to a collaborative team culture.

Nice to have

Experience building greenfield products from scratch
Experience working on international consumer products
Experience with payments, financial systems, or compliance-heavy environments
Experience building systems at global scale
Familiarity with event-driven architecture and messaging systems such as Kafka
Experience with customer-facing financial products
API-first development experience

Interested? Find out more:

Wise Engineering – https://medium.com/wise-engineering

What do we offer:

Starting salary: £111,000 - £145,000k + RSUs
Wise Benefits

#LI-AB3 #LI-Hybrid

Qualifications

What will you be working on?

Key focus areas for the team are:

Building international joint accounts for globally distributed users
Expanding Wise kid accounts into additional markets
Creating shared finance experiences that work across borders
Designing scalable backend systems for high-growth consumer products
Developing features around shared spending, sending/receiving money, and account customization
Collaborating on customer discovery and product iteration
Scaling infrastructure and improving reliability across multiple markets
Building greenfield financial products from concept to production

You’ll also have opportunities to work across multiple areas of the Wise ecosystem, including:

Send/receive money flows
Spend experiences
Authorization systems
FinCrime-related systems
Shared account infrastructure

What do you need?

We are fully aware that it is uncommon for a candidate to have all skills required and we fully support everyone in learning new skills with us. So if you have some of those listed below and are eager to learn more we do want to hear from you!

You know how to build scalable distributed systems and deliver customer-facing products used by millions of users.
You are proficient in backend programming languages such as Java, Kotlin, Python, or Go.
You have strong experience designing asynchronous, reliable, and scalable systems within microservice architectures.
You are comfortable working in greenfield environments where requirements evolve rapidly and ambiguity is part of the process.
You have a strong product mindset and enjoy collaborating closely with Product Managers, Designers, Analysts, and Researchers to shape solutions — not just implement them.
You care deeply about customer experience and understand how technical decisions impact end users.
You are comfortable contributing to architectural discussions, challenging assumptions, and influencing technical and product direction.
You write clean, maintainable, well-tested code and care about long-term scalability and reliability.
You are a strong communicator who can explain complex technical concepts clearly and collaborate effectively across teams.
You are comfortable operating independently while also contributing to a collaborative team culture.

Nice to have

Experience building greenfield products from scratch
Experience working on international consumer products
Experience with payments, financial systems, or compliance-heavy environments
Experience building systems at global scale
Familiarity with event-driven architecture and messaging systems such as Kafka
Experience with customer-facing financial products
API-first development experience

Additional Information

Interested? Find out more:

What do we offer:

Starting salary: 111K - 145K GBP + RSUs
Wise Benefits

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 visit Wise.Jobs.

Keep up to date with life at Wise by following us on LinkedIn and Instagram.

Is this role right for you?

Your agent will tell you — in seconds.

Sign up and I'll tell you right away how well Wise matches you — what you already have, and what's missing. Then I stay on it: I search for you and only write when I find something worth your time.

or use email