Senior Backend Software Engineer (Payments)

Spectrum Search is partnered with a growth-stage financial technology company building modern payment infrastructure for businesses globally. This opportunity offers the chance to design and scale backend services that power secure payment products, transaction processing and partner integrations within a high-ownership engineering environment. About the opportunity This organisation is developing next-generation financial infrastructure that combines traditional payment technology with digital asset capabilities to improve global money movement. The engineering team is focused on building resilient, scalable platforms that support commercial card programmes, payment workflows and developer-facing APIs used by customers around the world. The role As a Senior Backend Software Engineer, you will play a key role in designing, developing and operating backend services that support card transactions, fraud prevention, card lifecycle management and partner integrations. Working closely with Product, Risk, Finance, Compliance and Engineering teams, you will contribute to architectural decisions while helping build reliable, secure and maintainable financial systems. Key responsibilities Design and develop backend services for payment processing, card transactions and programme managementContribute to architecture and technical decisions with a focus on scalability, resilience and maintainabilityBuild robust, observable and well-tested services within a service-oriented architectureCollaborate with cross-functional stakeholders to deliver compliant and reliable financial productsParticipate in code reviews, incident response and continuous platform improvementsHelp evolve engineering standards, tooling and system design as the platform scales Essential requirements Proven ability to design, build and maintain production-grade backend systemsStrong experience developing backend services using a typed language such as TypeScript, Java or GoSolid understanding of distributed systems, including asynchronous processing, retries, observability and eventual consistencyStrong technical judgement with the ability to balance correctness, performance and long-term maintainabilityExperience working effectively within cross-functional product and engineering teamsComfortable contributing in an evolving product environment with a collaborative approach to problem solving Nice-to-haves Experience working with card payment systems, 3DS, PCI, tokenisation or chargeback platformsExperience building systems within regulated or compliance-driven environmentsFamiliarity with TypeScript, Node.js, NestJS and AWSExperience developing platforms that expose external APIs or support partner integrations Location and remote setup Fully remote within the United Kingdom, Ireland, Poland or the Czech Republic. This role sits within the Engineering team and supports a globally distributed organisation.