(Senior) Kotlin / Java Software Engineer - Banking Payments (m/f/x)

Company Description

Scalable Capital is a leading digital investment and banking platform with a full banking licence, empowering people across Europe to shape their own finances. Scalable Broker makes it easy and affordable for clients to invest professionally in stocks, ETFs, cryptocurrencies, and derivatives, as well as set up savings plans. Scalable Wealth, the digital wealth management service, offers clients professional investment in ETF portfolios, and is also adopted as a white-label solution by banks and other B2B partners. The company’s offerings are rounded off by attractive interest rates, loans, and private equity. With the European Investor Exchange, Scalable Capital offers an exchange specifically for retail investors. Over one million clients have already entrusted more than €30 billion to the platform.

Founded in 2014, Scalable Capital now employs over 700 people across Munich, Berlin, Vienna, Milan, and London. Together with the founding and management team, including Erik Podzuweit and Florian Prucker, they are working on a new generation of financial services.

Visit our finance blog or check out our Social Media channels to find out what our Expert Teams have to say.

Our Company Values guide us every day in how we work and collaborate. To learn more about them, you can find our values here (English).

Job Description

• Build and evolve business-critical payment services using Kotlin, Java and Spring Boot, enabling customers to move money reliably through SEPA while supporting the wider banking platform.

• Develop services across the payment lifecycle, including initiation, validation, execution, status handling, returns, exception management and reconciliation.

• Design clear domain models, APIs and event-driven workflows connecting customer-facing products with internal systems and external banking partners.

• Write clean, secure, well-tested and maintainable code, with particular attention to correctness, resilience and traceability when moving money.

• Develop and operate cloud-native applications on AWS, including containerised services on ECS and event-driven workloads on Lambda.

• Shape reliable delivery and operations with infrastructure as code, CI/CD pipelines, observability and monitoring.

• Work in autonomous, cross-functional teams using agile practices, Domain-Driven Design, code reviews, automated testing and continuous delivery.

• Take ownership from idea to production, delivering measurable value while improving quality, automation, reliability and developer experience.

Qualifications

• Strong experience building backend services with Kotlin or Java and Spring Boot.

• A solid understanding of Domain-Driven Design and the ability to translate complex business processes into clear software models.

• Experience designing and operating distributed, event-driven systems and APIs.

• Familiarity with cloud-native development on AWS, especially containerised and serverless workloads.

• Confidence with automated testing, CI/CD, infrastructure as code and production observability.

• A quality and security mindset, with attention to reliability, maintainability and operational ownership.

• Clear communication skills and a collaborative, pragmatic approach to solving problems.

• An interest in complex financial workflows or the curiosity to learn them quickly. Exposure to SEPA payments or payment processing would be a plus.

• A university degree in a relevant field of study (e.g. computer science, engineering, sciences, ...) or a comparable qualification.

Additional Information

• Be part of one of the fastest-growing and most visible Fintech startups in Europe, creating innovative services that have a substantial impact on the lives of our customers

• Work with an international, diverse, inclusive, and ever-growing team that loves creating the best products for our clients

• Be productive with the latest hardware and tools

• Learn and grow by joining our in-house knowledge sharing or career development sessions and spending your individual Education Budget

• Learn and experience German culture first hand by joining our free German language classes

• International relocation support is provided if required

• Opportunity to work from abroad

• Benefit from an attractive compensation package and from the company pension scheme

• Monthly contribution of 50% for the ‘Deutschland Jobticket’

• Say goodbye to order commissions and say hello to your complimentary subscription of Scalable Capital's PRIME+ Broker

• Enjoy flexible and discounted sports activities with Urban Sports Club