Senior Java Developer (Fintech)

About Us
Peratera is a UK-based fintech company, founded in 2022 and authorised by the FCA as an Electronic Money Institution.

We are building a modern, all-in-one payment platform that enables businesses to manage global payments and financial operations seamlessly.

Our solution allows companies to open multi-currency accounts, send and receive payments worldwide, and manage cross-border transactions from a single platform.

Our mission is to simplify global finance and remove friction from international business operations.

Your Mission 

As a Senior Java Engineer, you will be a core contributor to our distributed financial platform - going beyond coding to actively shape architecture, drive engineering excellence, and help build systems that are scalable, observable, and regulation-ready. You will join at a stage where the platform is evolving fast and the right engineers will grow with it - toward Tech Lead or Staff Engineer roles.

Your Tech Environment

You will work in a modern, cloud-native stack with clear ownership and no legacy surprises:

• Backend: Java 17+, Spring Boot (Core, Security, Data, Cloud), REST APIs, event-driven services, Camunda
• Infrastructure: AWS (EKS, RDS, CloudWatch), Docker, Kubernetes, GitLab CI/CD
• Data & Messaging: PostgreSQL, AMQP / Kafka-style message brokers, event-driven architecture
• Observability: OpenSearch / ELK, Prometheus / Micrometer, OpenTelemetry (in progress)
• Integrations: Open Banking providers, banking partners, external payment systems

What You’ll Do 

• Design and develop high-load, distributed backend services for financial operations
• Work on core payment flows, callbacks, reconciliation, and transaction lifecycle management
• Participate in architecture discussions and contribute to system design decisions
• Implement observability across services - logging, metrics, and distributed tracing
• Improve system reliability, fault tolerance, and overall platform resilience
• Drive code quality, testing strategy, and engineering best practices across the team
• Collaborate closely with Product, DevOps, and Architecture teams
• Contribute to the platform's evolution toward AI-assisted and data-driven capabilities
   

What We’re Looking For

• 6+ years of strong, production Java experience
• Deep expertise in the Spring Boot ecosystem
• Solid understanding of distributed systems and microservices architecture
• Experience building high-load or financial systems - payments, banking, or fintech
• Strong REST API design skills and hands-on experience with messaging systems
• Solid SQL skills; PostgreSQL experience preferred
• Familiarity with cloud environments, CI/CD pipelines, and observability tooling
• Clean Code mindset - SOLID principles, maintainability, and genuine ownership
• Comfortable working asynchronously in a distributed, international team
   

Nice to Have

• Exposure to Open Banking or regulated payments environments
• Experience with Camunda or other workflow orchestration engines
• Understanding of PCI DSS compliance requirements
• Experience with event-driven or event-sourcing architectures
• Interest or hands-on experience with AI/ML applied to backend systems
   

What You’ll Get

• Competitive, market-aligned compensation - discussed openly at first interview
• Direct impact on architecture and strategic platform decisions from day one
• A real fintech platform running at production scale - not a demo environment
• Exposure to modern cloud-native, AI-assisted, and Open Banking systems
• Fully remote setup with flexible hours and an international, highly skilled team
   

Sounds like a match? Send us your CV - we’re excited to get to know you.