Software Development Engineer - Payment Intelligence team

About us

At GoCardless we believe bank payments are the best way to pay and get paid. We also believe that bank account data is a powerful tool to make better, faster decisions. We’re making it easy to use both- for businesses everywhere.

GoCardless is used for domestic and international payments by 75,000+ organisations and counting, processing more than $30 billion across 30 countries. We’re an award-winning London based fintech, with additional offices in Riga, Paris, Melbourne and New York.

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

Improve fraud detection rates of our ML models and rules based systems

Improve the consumer authentication flow experiences for high risk payments.

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 team of super talented and motivated engineers.

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 strong programming experience with Ruby and/or Python

You want to solve problems that will drive revenue growth and will have an impact on the engineering technical vision.

You effectively collaborate with other engineering teams and business stakeholders.

You have a product ownership mindset and can work with other functions in the team to come up with ideas for product features.

Base salary range: 2,933–4,400 EUR gross

Base salary ranges are based on role, job level, location, and market data. Please note that whilst we strive to offer competitive compensation, our approach is to pay between the minimum and the mid-point of the pay range until performance can be assessed in role. Offers will take into account level of experience, interview assessment, budgets and parity between you and fellow employees at GoCardless doing similar work.

(some of) The good stuff

Wellbeing - stay healthy with dedicated support and medical coverWork away scheme - gives you the option to work away from your country of residence for up to 90 days in any 12 month period

Adaptive Working - allows you to work flexibly, around your lifestyle

Equity - all permanently employed GCs get equity to help you make a valuable contribution

Parental leave - to suit everyone embarking on life's great adventureLearning Budget - lead your own development with an annual learning budget

Time off - generous holiday allowance, + 3 annual volunteer days, + 4 annual business-wide wellness days (‘GC Fridays’)

Life at GoCardless

We're an organisation defined by our values; We start with why before we begin any project, to ensure it’s aligned with our mission. We act with integrity, always. We care deeply about what we do and we know it's essential that we be humble whilst we do it. Working this way creates the GC magic- the reas