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.
Ratepay is seeking an experienced Senior Software Engineer with a strong background in Java (JVM), including expertise in Event Driven Architectures. In this role, you will be responsible for …

THAT’S WHAT YOU BRING ALONG

• 7+ years of experience in software engineering, with strong proficiency in backend development.
• Professional experience in Java development, particularly with Spring/Spring Boot.
• Hands-on experience with Java, Spring Boot, Git, Docker, and PostgreSQL.
• Strong conceptual knowledge of RESTful APIs, microservices, and event-driven architecture (ideally, Kafka).
• Experience with full software lifecycle development and a DevOps mindset.
• Excellent problem-solving skills and a proactive approach to technical challenges.
• Strong communication and collaboration skills, aligned with Ratepay’s values of ownership and teamwork.
• Ideally, prior experience with Kotlin.
  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.

• Develop, operate, and continuously improve our products, ensuring robust and scalable solutions.
• Bring your expertise in Java to drive technical innovation and mentor fellow engineers.
• Champion best practices in software development, ensuring clean, maintainable, and efficient code.
• Foster a DevOps mindset and take ownership of solutions in an AWS environment ("you build it, you run it").
• Design and implement new features and services, optimizing system performance and user experience.
• Collaborate with cross-functional teams to increase the technical excellence of our engineering culture.