YOUR MISSION

Born in the heart of Berlin’s fintech hub, Ratepay has passionately crafted tomorrow’s payment solutions for over a decade. Today, we’re proud to be Europe’s leading white-label Buy Now, Pay Later provider.
Our success comes from teamwork, openness, and continuous improvement. We value shared goals over egos, fostering a culture of courage, commitment, and warmth. Our dedicated team of 200+ professionals powers the entire payment value chain - from integration to AI-driven risk management and dunning – delivering tailored payment solutions for businesses across Germany, Austria, Switzerland, and beyond.
As a Lead 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.

THAT’S WHAT YOU BRING ALONG

• At least 10 years of professional working experience in JVM-based backend development.
• Hands-on expertise in Software Engineering using Java, Spring/SpringBoot, Kotlin, Git, Maven, Docker, Jenkins and solid experience with cloud technologies (AWS).
• Experience in leading and driving initiatives and projects.
• Very good conceptual knowledge about RESTful APIs, microservices, event-driven architecture (Apache Kafka), OAuth (Auth0) and testing.
• 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.
  Due to our hybrid work model, we are looking for candidates based in or near Berlin. Unfortunately, we are currently unable to support visa or relocation processes.

ABOUT US

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 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.

• Lead the development, operation, and continuous improvement of scalable software systems.
• Take on a prominent role in your team and be the initiator and driver of projects, initiatives and improvements.
• Integrate internal and external APIs in a microservices architecture, ensuring system interoperability.
• Actively participate in the agile development process, collaborating with cross-functional teams to deliver features.
• Support and groom the entire engineering team, fostering growth, knowledge sharing, and collaboration through methods like pair programming and code reviews.
• Ensure adherence to best practices in software development to maintain high code quality.
• Collaborate with the team and the Principal Engineer to make key technical decisions.
• Ensure alignment between business objectives and technical implementation.