Full-stack Developer(for our partner group)
About the role
No legacy, no bureaucracy, — just you and a small but incredibly strong engineering team making the right technical decisions together. A chance to go deep into fintech (card payments, compliance, settlement) and actually shape the product architecture.
Finance focus. This role is for our Finance direction: settlements, reconciliation, bank integrations, and integration with the core banking system. You'll go deep into the money flow — how funds move, settle, and reconcile across gateway, processor, schemes, and banks.
Fintech experience is essential. We need someone who already knows payments and fintech — this isn't a domain to pick up on the side. We expect proactivity and a readiness to take on and own the domain expertise: be the person the team relies on for settlement and reconciliation logic.
Important: we need a strong engineer with deep technical background. The engineering team is top-tier, and the bar is high. We're not looking for average — we're looking for people who can make decisions independently and own the outcome.
What you'll do:
Backend (Kotlin)
- Financial Core: double-entry ledger (immutable), settlement engine (MDR calculation, netting, payouts), pricing engine (IC++/blended), rolling reserve management
- Integrations: REST API integrations with payment gateway, card processor, KYC/KYB, SEPA/SWIFT payouts
- Webhook processing: ingestion and processing of vendor webhooks
- BPMN workflows: Camunda 8 — service tasks, user tasks, DMN decision tables for business processes (merchant onboarding, AML investigation, dispute management, settlement)
- Compliance: transaction monitoring rules, sanctions screening integration, SAR workflow
- API: REST API for merchant portal and ops panel
Frontend (Next.js)
- Merchant Portal: dashboard (transactions, volumes, conversion), settlement history, payouts, chargebacks, API keys, webhook settings, onboarding wizard
- Ops Panel: case management (AML, disputes), treasury dashboard, compliance dashboard, underwriting, merchant management
- Developer Portal: API documentation (OpenAPI), integration guides, sandbox
General
- Reconciliation: multi-layer reconciliation engine (gateway ↔ processor ↔ scheme ↔ bank ↔ safeguarding)
- Reporting: regulatory reporting, scheme reporting (Visa/MC), financial (P&L)
- Testing: we're AI-first when it comes to testing — fully automated coverage at every level: unit, integration, E2E. No manual QA — you write code, you write tests. E2E tests for the full payment flow (auth → capture → settlement → payout), integration tests with vendors, BPMN process tests via Camunda API
Requirements:
Must have
- 6+ years of Kotlin or Java (Spring Boot) — REST APIs, JPA/Hibernate, transaction management
- 3+ years of Next.js / React — SSR, TypeScript, state management
- PostgreSQL — queries, migrations, indexes, JSONB
- REST API design — versioning, error handling, idempotency
- Git, CI/CD
- Webhook processing, event-driven architecture
- Okta / OAuth2 / OpenID Connect
Fintech / payments experience — a must, not a nice-to-have: settlements, reconciliation, bank integrations, integration with a core banking system
AI-fluency — active integration of AI tools (Cursor, Claude Code, Codex) into daily engineering work. Not just "aware of AI" — uses it to multiply productivity, with a critical eye for generated output
Proactivity — identifies problems before they surface, proposes solutions, drives them to done. Doesn't wait to be told what to do
English: confident reading and listening is a must. Good spoken English is a strong plus
Nice to have:
- Understanding of double-entry accounting
- Camunda / BPMN experience
- Tailwind CSS, shadcn/ui