Senior Product Engineer - Payments Team

You will join the Payments team to lead critical projects across collection, disbursement, FX, reconciliation, and a new card issuing stack. Upcoming work includes: New payment method expansion: doubling our payment methods next 12 months, with focus on local digital methods (UPI, PIX, account-to-account rails) in priority markets. Card issuing: building a card issuing capability in dozens of geographies, including the ledger, authorization flows, controls, and operational tooling around it. Reliability and structural improvements: scaling our payment processing capability to reach 10x growth. Multi-currency and FX: Broadening our conversion engine and global reach across more than 20 currencies.

Responsibilities

Lead critical projects across collection, disbursement, FX, reconciliation, and a new card issuing stack; Lead payments projects end-to-end: discovery with Product and PayOps teams, integration design with PSPs, build, rollout, monitoring, and incident response; Partner with the Product team to gain insight into organizer and traveler challenges, building payment solutions that successfully process transactions; Own the reliability of our payments system; Contribute to WeTravel’s engineering practices and excellence

Requirements

7+ years of product engineering expertise, with 4+ years dedicated to architecting complex payments systems; Proven track record within a PSP, acquirer, gateway, or a high-scale platform payments team; Broad practical expertise in deploying and troubleshooting production-level integrations across various PSPs, card acquirer ecosystems, and diverse payment rails. You possess deeply ingrained expertise in settlement processes, reconciliation, dispute management, 3DS2 protocols, high-pressure webhook management, and PCI compliance frameworks, including tokenization methods; Strong backend mastery in Ruby on Rails, Kotlin, Python, Go, Java, or Node.js with the agility to ramp up on Ruby quickly; Full-stack comfort: you can build the React interface for the payment flows you architect; Deep expertise in architecting robust, resilient distributed systems, including double-entry ledgers, automated reconciliation pipelines, money movement state machines, idempotency, exactly-once semantics, event-driven architectures, webhooks, and reliable consumer patterns; Direct production on-call experience, including authoring post-mortems and leading incident response; Excellent written and verbal communication skills, including cross-functional collaboration experience, and the ability to thrive in a distributed, multicultural environment; Pragmatic adoption of AI tools to optimize your engineering workflow, including the ability to mentor and train others on AI concepts; Strong background in cloud infrastructure (AWS/GCP), containerization, and modern CI/CD practices; Experience in handling critical systems with precision: you will handle FX and multi-currency logic directly within the application layer

Nice to have

Bonus: Direct card issuing experience, including BIN sponsorship, processor integrations, controls, and dispute handling; Experience launching a new payment method or PSP integration end-to-end; Experience building or operating a card issuing program; Experience in marketplace or two-sided platform payments (split payments, payouts, escrow-like flows)

Benefits

Competitive salary; Generous "Time to Recharge" policy - enjoy unlimited paid time off to rest, recharge, and show up as your best self; Although this is a remote role, employees are hired into a designated country of employment. Our Work From Anywhere perk provides eligible employees with up to four weeks per calendar year to work temporarily from another approved location; 2-week cross-functional onboarding program; Annual team off-site (often somewhere sunny 🌊); Cycle-to-work scheme (Swapfiets subscription) or commuting reimbursement; Monday/Thursday team lunches and after-work social events; Extensive paid family leave; Three paid volunteer days per year - take time to give back to causes you care about, on us; Cutting-edge equipment and tools to set you up for success; Join an international, travel-loving team with a passion for adventure and innovation