Senior Software Engineer (m/f/d) - Risk

Ratepay • Berlin

  • Full-time


from today

Here's What You'll Be Doing

Ratepay‘s risk management platform scans hundreds of thousands of transactions per day in order to enable secure payments for our merchants and their customers while also protecting our profitability.


For this purpose, Software Engineers, Data Scientists, Data Engineers, Machine learning Engineers and Product Managers closely collaborate in the Risk-engineering tribe to continuously enhance our risk management capabilities by creating new inhouse solutions for fraud prevention and credit risk assessment based on state-of-the-art machine learning, data processing, and the integration of third-party providers. "

Your tasks at Ratepay, among others

  • You are responsible for the development, operation and improvement of our systems    
  • You integrate internal and external APIs in a microservice architecture
  • You are an active participant in our agile software engineering process, and work closely with interdisciplinary teams
  • You guide and support junior team mates


Your profile

  • At least 7 years of professional working experience in Java backend development 
  • Experience working within fintech
  • Experience within risk engineering
  • Hands-on expertise in Software Engineering using Spring/SpringBoot, Git, Maven, Docker, and Jenkins 
  • Experience working with Postgres, Mongo or Redis
  • Solid experience with cloud technologies (AWS)
  • Very good conceptual knowledge about RESTful APIs, microservices, event-driven architecture (Apache Kafka), OAuth (Auth0) and Contract Testing via PACT
  • Experience with Kafka Streams to transform and store data
  • Experienced in building high-quality customer solutions in an agile environment
  • 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

Equal Opportunities & Diversity

We value our diversity and welcome everyone to our team. Regardless of ethnic and social background, religious beliefs, worldview, gender, sexual orientation, physical and mental limitations, age, marital status, educational background and nationality.

The sweet spot! Let’s talk perks.

We're more than just a workplace – we're a vibrant community of innovators, collaborators, and visionaries who love what we do and reward those who work with us. Here, your career isn't just a job. It's an opportunity to thrive, learn, and make a difference. Take a look at these great personalised benefits of working at Ratepay On a monthly basis, you can choose between mobility, fitness, food, training and much more.

Flexible working hours

Work remotely (EU for up to 1 month a year)

Monthly internet support and allowance

28 vacation days per annum

Financial security including pension and bereavement plans

Medical extras (Flu vaccinations, eye examinations etc.)

Learning and development (Access to various self-development platforms such as language learning and skills enhancement.

Weekly lunches as well as Beets & Roots discounts

Community connect. We take certain days off to give back to the community as a unit. (Animal shelters, homeless aids, and various charities)

Ratepaw community: Our office has a floor which is dog-friendly. So, bring your pawsome pet to work when needed.

Gym memberships and fitness

Health & wellbeing

More about Ratepay

Why Join Now
Why Join Now

Our Recruitment Process

Step 1: Intro Call with a Senior Talent Partner
Step 1: Intro Call with a Senior Talent Partner

The first call with our recruiter is meant to be an introduction to ratepay, our culture and recruitment process. 

We want to get to know you better, understand who you are beyond your CV and find out what excites you.

Step 2: Meet your future Manager
Step 2: Meet your future Manager

This step is designed to get to know your future manager and the role better.

During this conversation we will dive deeper into your experience and share more about the team you would work with and share expectations from both sides.

Step 3: Team interview & skill assessment
Step 3: Team interview & skill assessment

This step looks slightly different in different business areas but is to assess technical and culture add.

It usually consists of a role-specific case study or technical assessment as well as assessing values alignment with some senior members of the team you would be joining. 

Step 4: Coffee chat (optional)
Step 4: Coffee chat (optional)

This step doesn't occur in every process, it depends on the role.

The coffee chat would generally take place with either a senior stakeholder from the business area you are joining such as a C-level leader or Head of department, or in some cases with a Senior HRBP. 

Ready to shape the future of digital payments? Join our team

Apply now!