Senior Software Engineer II

About the role

Wise is seeking senior product engineers to join the Grow squad with a mission to transform the Wise Account into a primary global financial hub for customers around the world. In this capacity, you will own the design and execution of critical backend systems that enable new financial products and experiences. You will contribute directly to either scaling our existing asset-backed yield products or building new investment infrastructure from the ground up to meet global demand. This role requires a balance of strategic thinking and hands-on implementation to deliver solutions that are both robust and scalable. You will work closely with cross-functional partners to turn complex requirements into elegant technical outcomes. Your work will have a direct impact on how millions of customers earn returns and manage liquidity within their Wise accounts. Ultimately, you will help define the technical boundaries of our investment infrastructure and ensure its reliability at scale.

Key facts

What you'll do

• Architect and scale a high-availability Yield Engine that manages billions in assets across the UK, EU, Singapore, and Australia while meeting strict regulatory and operational standards.
• Ensure bankruptcy-protected custody and near-instant liquidity for customers earning returns on their balances by designing resilient systems and fail-safe mechanisms.
• Define technical foundations, brokerage infrastructure, and trading interfaces for new investment products like ISAs and SIPPs in collaboration with finance and compliance stakeholders.
• Collaborate with product managers, designers, and analysts to define product strategy and deliver incremental value through iterative releases and data-informed adjustments.
• Coordinate complex projects across multiple teams while maintaining high data integrity and system consistency through rigorous testing and documentation practices.
• Develop and maintain APIs and internal tools that enable other engineering teams to integrate with yield and investment services efficiently.
• Optimize system performance and reliability by identifying bottlenecks, implementing caching strategies, and improving database query efficiency at scale.
• Implement monitoring, alerting, and observability solutions to ensure rapid detection and resolution of issues in production environments.
• Partner with security and compliance teams to ensure that all implementations adhere to regulatory requirements and internal governance policies.
• Mentor junior engineers by providing code reviews, technical guidance, and feedback to elevate the overall quality of the engineering organization.
• Evaluate and recommend third-party services and libraries to support new functionality while balancing cost, risk, and long-term maintainability.
• Lead technical discussions during sprint planning, retrospectives, and architecture reviews to drive alignment on priorities and best practices.
• Translate ambiguous business requirements into well-defined technical tasks that can be executed by the engineering team.
• Support on-call responsibilities and incident response processes to ensure timely resolution of critical production issues.

Requirements

• Experience developing web applications and distributed systems in a production environment with a proven track record of delivering reliable software at scale.
• Strong product mindset with a focus on user experience and data-driven decision making to ensure technical solutions align with business goals.
• Ability to explain complex technical concepts to non-technical stakeholders including product managers, executives, and customer support teams.
• Proficiency in breaking down large projects into smaller, manageable milestones that can be tracked and delivered incrementally.
• Deep understanding of architectural patterns and a commitment to writing clean, performant, and well-tested code that stands the test of time.
• Demonstrated experience working with financial systems, trading platforms, or regulated environments is highly valued.
• Comfort working in an agile environment where priorities can shift quickly based on market needs and regulatory changes.
• Willingness to engage in hands-on coding, debugging, and performance tuning across a distributed technology stack.

Nice to have

• Knowledge of Java and Spring Boot to accelerate development of backend services and integrations.
• Experience with messaging systems such as Kafka to support asynchronous processing and event-driven architectures.

Skills & tools

• Java
• Spring Boot
• Kafka
• Distributed systems
• Web application development

Practical notes

• Starting

salary: £111,000 - £145,000 plus RSUs.

• This role is hybrid.
• We support learning and do not require candidates to possess every listed skill.
• Please review our engineering career map and tech stack documentation provided on our careers page before applying.