Full Stack Engineer - Risk (m/f/d)

About us 
 
Ratepay's Risk Domain owns multiple services and applications for fraud & credit risk prevention . Our platform uses algorithmic, self-learning technologies that are scalable, modular, configurable and highly efficient in a real-time risk decision scenario.

In this domain, Software Engineers, Product Managers and Engineering Managers closely collaborate with Stakeholders such as Buyer Risk, Merchant Risk and Compliance to architect, design and combine the services and propose future proof products.

Especially the configuration and  steering of the platform requires insights provided by dashboards and reports. Such visualizations of current and historical performance are also operated and owned by the Software Engineers. On occasion, this requires them to make changes to the front-end of these internal tools to aid risk stakeholders in making informed decisions.

The majority of time however (up to 80%) of any Engineer will be spend on improving risk backend services and their capabilities using Java Sprint Boot.

Why you should be interested 
 

• Design, develop, deploy, operate and improve backend services c(80%) that help our department execute their work efficiently and have a direct impact on our daily business. Provide foundational data for other departments through APIs and event streams. 
• Participate in front-end related discussions. Design and develop the brand new UI for our recent customer facing products. 
• Opportunity to contribute to the New Ratepay customer portal. 
• Collaborate with Engineers, Product Managers, Product Designers across Ratepay to create positive customer impact together 
• Based on our microservices architecture, you and the team will own your code and decide on the technologies and tools to deliver as well as operate large-scale applications on AWS. Take ownership for the whole product development cycle - from architecture design to testing to implementation, maintenance and operation. 
• Improve our internal processes, documentation and ways of working 
• Learn the best industry practices from a well-established engineering community 

We’d love to meet you if 
 

• You have at least 7 years of recent industry experience as a backend or full-stack engineer, with production grade knowledge in Java/Kotlin. 
• You have at least 3 years of recent experience as a frontend or full-stack engineer using modern frontend frameworks. (React preferred.) 
• You have experience with REST services and API design. 
• You have hands-on experience in developing and maintaining scalable, and testable code, and have a general understanding of industry best practices. 
• You have strong communication skills and willingness to share knowledge within and outside the team. 
• Experience in Payment industry or ecommerce is a huge plus. 
• Experience with microservices architecture, distributed systems and building and running large-scale applications is a plus. 
• Strong AWS knowledge is a plus. 
• Interest and experience in at least one further technology stack is a plus. 

Stability & Innovation:Become part of a dynamic fintech company that is transforming the financial industry through innovation and technology.

• Ratepay is part of the NEXI Group - one of the biggest financial groups in Europe

Team & Culture: Work with a diverse and talented team (we have 40+ nationalities!) committed to pushing boundaries and setting new standards.

• The chance to get involved in social projects as part of our sustainability initiative
• Regular company and team events (summer party, all-hands, guest speakers, conferences & events)
• Social Friday - take a half day off to contribute to a community initiative
• Brand new super modern office in the heart of Berlin for collaboration

Growth: Unlock endless opportunities for professional development and advancement as you drive fintech excellence.

• Free language learning through Babbel as well as group live classes for those who want to improve their English or German
• Access to learning platforms like Udemy for teams can attend conferences and, if included in their P&D goals, can attend additional training sessions.
• Personal Development Plans - your career progression is taken seriously with us

Flexibility: We offered flexible working hours and hybrid working options to balance work and family life

• Become a digital nomad: Work with Ratepay from any country for up to 3 months per year

Rewards & Health: Enjoy a competitive salary and benefits package that reflects your expertise and contributions.

• Generous private pension scheme 
• Annual BVG allowance to supplement the cost of public transport in Berlin
• Equipment support allowance
• Seasonal vaccinations, health checks and eye exams
• Self-care days + 28 days vacation
• Employee Bereavement plan
• Access to a corporate benefits platform where employees can get great discounts and offers for a range of online shops and activities

We value our diversity and welcome everyone to our team. Regardless of ethnic and social background, religious views, worldview, gender, sexual orientation, physical and mental limitations, age, marital status, educational background and nationality. With over 250 employees and 40 different nationalities, we take our values seriously. These include; ownership, growth, integrity, collaboration, customer centricity and inclusion (4/6 of our C-Level Board members are female).