Backend Software Engineer - AI Neobank App

This position is listed on behalf of a partner company, who manages all applications and next steps. Our partner is looking for a Backend Software Engineer - AI Neobank App based in Germany.

Join an ambitious opportunity to build the core infrastructure behind next-generation financial products powered by AI. This role offers the chance to design and develop scalable backend systems supporting millions of users across multiple financial services, including payments, insurance, savings, investments, and digital wallets. Working within an international and highly collaborative environment, you will contribute directly to products that simplify financial management and improve user experiences. The position combines technical ownership, innovation, and real-world problem solving, requiring engineers who can balance speed, reliability, and regulatory requirements. If you are passionate about building robust financial systems and creating impactful digital experiences, this role provides an exciting platform for growth and influence.

Accountabilities: Design, develop, and maintain scalable backend services, APIs, and workflows supporting AI-driven financial applications.

Build and enhance infrastructure for products across payments, insurance, wallets, savings, investments, travel services, and other financial solutions.

Develop reliable systems for account management, transaction processing, reconciliation, notifications, and operational workflows.

Collaborate closely with product, mobile, and business teams to deliver seamless customer-facing experiences and accelerate product launches.

Integrate with external partners including banks, payment providers, insurers, and third-party data services.

Improve platform reliability, observability, security, and performance through monitoring, optimization, and best engineering practices.

Design systems that meet operational, audit, and regulatory requirements while maintaining scalability and resilience.

Take ownership of production challenges, proactively identifying risks, edge cases, and opportunities for long-term system improvements.

Requirements

Minimum of 3 years of professional experience in backend software engineering and production environments.

Strong understanding of API development, database design, distributed systems, and backend architecture principles.

Proven experience building scalable services and integrating third-party platforms and external systems.

Solid knowledge of software reliability, security practices, data consistency, and operational risk management.

Strong debugging and troubleshooting capabilities in production environments.

Ability to balance speed, quality, scalability, and business requirements when making technical decisions.

Experience collaborating effectively with cross-functional teams, including product, operations, mobile, and business stakeholders.

Practical mindset with the ability to design systems that perform reliably in real-world scenarios and under changing requirements.

Excellent communication skills and a strong sense of ownership and accountability.

Experience within fintech, banking, insurance, lending, payments, or other regulated industries is highly desirable.

Fluency in English, both written and spoken, is required.

Benefits

Fully remote opportunity for professionals based in Germany.

Opportunity to build innovative AI-powered financial products with global impact.

Exposure to a broad range of financial domains, technologies, and international markets.

Fast-paced, entrepreneurial environment with significant ownership and autonomy.

Collaboration with highly talented, multicultural teams across multiple countries and disciplines.

Career growth opportunities within a rapidly expanding technology organization.

Participation in high-impact projects involving AI, digital banking, and next-generation financial infrastructure.

Streamlined hiring process with fast decision-making for qualified candidates.

How Jobgether works: We use an AI-powered matching process to ensure your application is reviewed quickly, objectively, and fairly against the role's core requirements. Our system identifies the top-fitting candidates, and this shortlist is then shared directly with the hiring company. The final decision and next steps (interviews, assessments) are managed by their internal team. We appreciate your interest and wish you the best!  Why Apply Through Jobgether?    Data Privacy Notice: By submitting your application, you acknowledge that Jobgether will process your personal data to evaluate your candidacy and share relevant information with the hiring employer. This processing is based on legitimate interest and pre-contractual measures under applicable data protection laws (including GDPR). You may exercise your rights (access, rectification, erasure, objection) at any time.     #LI-CL1