(Senior) Software Engineer – Customer Payments (m/f/d)

Raisin is the world's leading platform for savings and investment products. Founded in 2012, the FinTech connects consumers with banks in the EU, the UK and the US. This gives consumers better interest rates and banks a diversified form of refinancing. Our vision is to offer savings and investments without barriers and thus open up the global +150 trillion euro market. 

Raisin works with over 300 banks. Today, the platform holds over 75 billion euros in assets from around one million customers which have accrued over 5 billion euros in interest with their investments.

Team

The Customer Payment team is responsible for the integration with our Servicing Bank and processing all payments through it on the Raisin platform. Most importantly, account creations, payments execution and reconciliations, and transaction compliance are in the domain of this team.

The team is part of the “Customer Tribe”, which consists of 3 teams that collaborate closely on the mission to build and run state of the art Customer and Transaction Account experiences to grow Raisin at scale.

The Customer Payments team provides:

• the full lifecycle of the transaction accounts
• overview of the account balance and transaction history
• payment processing in real-time
• payments reconciliation 
• platform abstractions of servicing banks

The team is a cross-functional team currently with BE and FE engineers.

The team owns the whole lifecycle from design, and development through maintenance of the services at runtime. This includes modern and legacy services, while the team works dedicated to replacing the legacy services.

Your Responsibilities

For further development and expansion of our successful business, Raisin is looking for highly motivated, smart, and driven engineers to complement our team. As a Java developer, you will be working on our customer payment services together with an international team of top developers.

• Providing core services and high quality solutions for a large scale online platform and everything related to our payment systems
• Integrating externally developed components into existing application environments
• Together with the rest of the team, setting standards, establishing guidelines and sharing best practices in order to ensure continuous learning and development 

Your daily tasks will be:

• You perform the software engineer tasks with great attention to quality, and support other engineers in your team to do the same.
• You do strong code reviews, ensuring not only best practices and business rules, but also performance, security, impact on other features or projects, and always with respectful and constructive communication.
• You work within your team to negotiate and document standards and practices in software development.
• You research and shape multiple alternative technical solutions when possible.
• You assume end to end ownership on the team projects' delivery.
• You actively manage the technical documentation in your team.
• You actively manage the technical debt in your team.
• You participate in the hiring process with techfit interviews and tech challenge reviews.

Your Profile

• You have a university degree in Computer Science, Engineering, Information Systems, or related fields or equivalent practical experience.
• You bring at least 8+ years of development experience as a senior Java software developer (10+ years is preferred).
• You know how to manage software projects to a successful delivery in a collaborative fashion.
• You have up-to-date, in-depth knowledge of the software development lifecycle in a Java-technology landscape.
• You are comfortable with open code and architecture discussions.
• You bring experience with AWS Services, K8S, Event Driven architecture (Kafka and ActiveMQ), Springboot, SQL and NoSQL. 
• Fluency in English

Technical Skills:

Must-Have:

• Strong experience with Java and Spring Boot
• Solid understanding and practical application of design patterns
• Hands-on experience with testing practices (unit, integration)
• Tools: JUnit, Mockito, TestContainers
• Excellent communication skills – ability to articulate challenges and solutions clearly
• Proven team player – collaborates well with others and supports shared goals

Nice-to-Have:

• Experience with event-driven architectures (e.g., Kafka)
• Experience with NoSQL databases (e.g., MongoDB or similar)
• Familiarity with reactive programming (e.g., Project Reactor, WebFlux)

Soft Skills:

Critical thinking and problem-solving capabilities; able to analyze production issues and design robust solutions (is a very good to have)

Join our mission, join our team – and grow with us!

At Raisin, we care about each other and it is one of our top priorities to foster an open and caring environment in which everyone feels welcome and comfortable. Our culture is strongly driven by our ambitious team, which connects more than 75 different nationalities.

As part of our team, you will benefit from:

Raisin SE Germany & Raisin Bank AG

• Employee Development Budget of €2,000 and four full training days per year.
• Flexible working hours, home office and 30 vacation days.
• A company pension scheme (Betriebliche Altersvorsorge), which we support with 20%.
• Enjoy more than 50+ different sports with Urban Sports Club: We subsidize your membership with more than €20 per month. 
• Do you miss being in the office? The Deutschland Ticket gets you there, which we subsidize with €25 per month.
• Love cycling? With JobRad, lease the bike of your choice and enjoy tax savings, plus Raisin covers your monthly insurance costs.
• Hungry all the time? Snacks, daily fresh fruit as well as drinks provided at the office.
• You are moving from another country or city to join us? We may support your relocation.

Raisin Applicant Privacy Policy

We value diversity and the unique experiences each individual brings. If you’re excited about this role but don’t meet every requirement, we still encourage you to apply.

We are an equal opportunity employer and are committed to creating an inclusive environment for everyone, regardless of race, colour, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, or gender identity.