Senior Software Engineer (Backend): Cards

Job description

**About us:** BVNK is the stablecoin-powered financial stack for enterprises. We're now part of Mastercard, and together we're building a network for every form of money – one that delivers more reach, more capability and more choice. We enable businesses to build financial products, unlock new markets, and move money in seconds across 130+ countries, with 40+ licenses for fiat and digital assets globally. Processing billions annually, we empower enterprises worldwide to send, receive, convert, and settle stablecoins and fiat seamlessly through a single integration. **Our mission is to accelerate global money movement, and we're assembling a world-class team to make it happen.** Trusted by industry leaders like Corpay, Worldpay, Deel, and Flywire, we deliver the infrastructure that makes new forms of money usable within the financial systems customers already rely on today. By combining Mastercard's global payment reach and trusted networks with BVNK's stablecoin infrastructure, we're building the trusted operating layer for the evolution of money movement, helping customers participate in emerging digital networks without having to rebuild their businesses around every new innovation. We're a diverse team spread across EMEA, North America, and APAC, with a shared belief that stablecoins are the new infrastructure layer for financial services, and that BVNK is at the forefront of this shift. We're incredibly honored to have been recognized by: - CNBC World's Top Fintech Companies (2026) - FXC Intelligence Top 100 Cross-border Payment Companies (2026) - Newsweek's The Top 100 Global Most Loved Workplaces (three years running, most recently 2025) - LinkedIn as one of the Top 20 Startups in the UK (2025) **Location:** We offer a Hybrid/Remote working policy. **FUNCTION:** Engineering We're looking for a talented Senior Software Engineer to join our Cards team. Our goal is to build out a seamless card issuing and transaction platform that bridges crypto and fiat - enabling merchants to offer their customers instant access to funds through physical and virtual cards. Traditional card programmes have often been rigid, slow to integrate, and limited in their ability to handle multi-currency flows across crypto and fiat rails. With our platform, we're breaking down these barriers by delivering a modern card infrastructure that handles everything from tokenization and sensitive card data to real-time transaction enrichment and settlement. This allows our merchants to offer card products that work fluidly across currencies, with the security, speed, and reliability their customers expect. By building this from the ground up, we're creating a best-in-class card experience that sits at the intersection of traditional payments and digital assets. Our product and engineering organisation is split into small autonomous squads empowered to own their problem space. You’ll be expected to form strong opinions and execute in a fast but sustainable way, advocating for the simplest solution that achieves the outcomes our customers are looking for. **Key Areas of Responsibilities:** - Design and implement card platform features end-to-end - from tokenization and sensitive card data handling to transaction enrichment and settlement workflows - Build and maintain integrations with card issuers and payment processors - Architect systems spanning multiple services, ensuring scalability, security, and PCI compliance - Own features and projects from inception to completion, breaking down complex domains into deliverable work items - Drive cross-team technical initiatives around shared libraries, patterns, and infrastructure - Actively review code across the team, providing constructive and in-depth feedback - Contribute to our engineering culture by mentoring teammates and setting quality standards **What we need from you:** - 5+ years experience as a Backend Engineer, preferably in FinTech or payments - Expertise in Java and Spring Boot - Experience building and maintaining APIs and services in a microservices architecture - Strong understanding of card payments, issuing, or transaction processing. - Enthusiasm for adopting AI-assisted development tooling (e.g, Claude Code, AI code review agents) to accelerate delivery and improve code quality across the squad. - Ability to self-direct work and scale from well-scoped tasks to multi-sprint initiatives - Excellent problem-solving skills, comfortable working independently or collaboratively across squads - Experience with containerisation and orchestration technologies including Docker and Kubernetes. - Experience with code review as a tool for mentoring and raising team-wide standards - Good written and verbal communication skills - Familiarity with crypto/fiat payment rails is a plus - Open to participating in an out-of-hours on-call rota **What you can expect from us:** - Fair and **competitive salary** at every stage of your growth - **Flexible working** hours, with hybrid working at its heart - A **culture** built on passionate, growth-minded people - A **flexible approach to holiday** - Opportunities to travel to our **offices around the world** - An **open and creative environment** where you can help us define the future of BVNK, its culture, and its opportunity sets *At BVNK, we are focused on building a diverse and inclusive team. While you may not meet all of our requirements, we’d encourage you to apply if you meet the majority of our expectations. You may be a great fit for this role or another role in our team.* Compensation packages are based on candidate experience and relevant certifications. Bulgaria Salary Range €70.000—€110.000 EUR Compensation packages are based on candidate experience and relevant certifications. Spain Salary Range €85.000—€110.000 EUR Compensation packages are based on candidate experience and relevant certifications. Poland Salary Range 250 000 zł—480 000 zł PLN