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. 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.

Responsibilities

Lead critical projects across collection, disbursement, FX, reconciliation, and a new card issuing stack; 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; 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; 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

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 - unlimited paid time off; Work From Anywhere perk - 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; Cutting-edge equipment and tools; Join an international, travel-loving team with a passion for adventure and innovation