Software Development Engineer III - Payment Intelligence

About us

GoCardless is a global bank payment company. Over 100,000 businesses, from start-ups to household names, use GoCardless to collect and send payments through direct debit, real-time payments and open banking.

GoCardless processes US$130bn+ of payments annually, across 30+ countries; helping customers collect and send both recurring and one-off payments, without the chasing, stress or expensive fees. We use AI-powered solutions to improve payment success and reduce fraud. And, with open banking connectivity to over 2,500 banks, we help our customers make faster, more informed decisions.

We are headquartered in the UK with offices in London and Leeds, and additional locations in Australia, France, Ireland, Latvia, Portugal and the United States.

At GoCardless, we're all about supporting you! We’re committed to making our hiring process inclusive and accessible. If you need extra support or adjustments, reach out to your Talent Partner — we’re here to help!

And remember: we don’t expect you to meet every single requirement. If you’re excited by this role, we encourage you to apply!

Engineering at GoCardless

The technical challenges of building GoCardless span from simplifying building banking schemes to optimising the time to render the dashboard.

You will enjoy being a software engineer at GoCardless if

You’re looking to champion a great engineering culture within GC and in the wider engineering community;

You enjoy collaborating and learning from people from various backgrounds and experiences;

You want to feel proud of the work you’re doing and its impact on real customers.

Our engineers contribute to the engineering culture within and outside of GoCardless: they contribute to Open Source Software projects (see our Github), and share learnings in post-mortems, conferences and on our blog.

Our technologies: We endeavour to build simple, reliable systems and we believe in using the best technologies for each task. Technologies we use across GoCardless include: Ruby on Rails, Golang, Python, JavaScript, TypeScript, React, Postgres, BigQuery, Kubernetes, Elasticsearch, Prometheus, Google Cloud (GCP).

You’re not expected to have expertise in all these technologies. Members of our team have picked up the tools once they’ve started working with the team. If you’re unsure, please apply.

The Role

Our mission as the Payment Intelligence team is to augment our bank payments product with intelligent data products that differentiate our offering and increase our win rates.

Our focus areas are our existing products, Success+ and Protect+. This means creating market-leading payment recovery rates and fraud prevention products.

Projects in the pipeline that align to these focus areas are

Improve payment recovery rates for failed Account to Account payments.

Enhance the value proposition of our Payment Intelligence products for our merchants.

Lead growth initiatives to increase the adoption of Success+ and Protect+

As an engineer, you will be actively working on projects that help grow the adoption of these products while improving the experience of using the same and coming up with ideas for new product features in this space. You will be aided and supported in this journey by a cross functional team of super talented and motivated engineers and data scientists

This is a unique and high-profile opportunity for you, as an engineer, to work on building one one of GoCardless' major revenue streams in the coming years.

What excites you

You have a growth mindset, motivated by driving concrete business outcomes.

You adapt to new technologies and processes quickly.

You thrive in a collaborative environment and believe the best products are built through collaboration.

You are passionate about building and improving products by experimenting, prototyping and applying an iterative approach to validate ideas and learn.

What excites us

You have experience building web products and services, and have an awa