Your Mission
Ratepay is a dynamic and innovative fintech company dedicated to revolutionizing payment solutions in the online retail sector. We empower e-commerce businesses with flexible and secure payment options, allowing them to optimize their revenue streams. As a Senior Software Engineer (PHP/Java) at Ratepay, you will play a crucial role in our mission to streamline and enhance our payment processing systems.
You will be part of the Buyer Experience (BUX) product development team, which is responsible for direct communication with buyers via email, post, and web portals. This team also provides critical tools for our customer service center and merchant partners. BUX is the only product area at Ratepay that interacts directly with buyers, defining our external image with millions of monthly contacts. As such, we are the competence center for customer service, customer-facing solutions, and front-end technology.
We are looking for an experienced software engineer with strong expertise in PHP and Java, deep knowledge of RESTful APIs, microservices, and event-driven architecture, and a passion for delivering high-quality, scalable solutions. In this role, you will take full ownership of the software development lifecycle, from concept to deployment.
Key Responsibilities:
* Develop, operate, and continuously improve our products, ensuring robust and scalable solutions.
* Take a leading role in the refactoring of our Customer Service (CS) platform, transitioning from PHP to Java-based architecture.
* Bring your expertise in PHP and Java to drive technical innovation and mentor fellow engineers.
* Champion best practices in software development, ensuring clean, maintainable, and efficient code.
* Foster a DevOps mindset and take ownership of solutions in an AWS environment ("you build it, you run it").
* Design and implement new features and services, optimizing system performance and user experience.
* Be a key knowledge carrier for PHP while actively supporting our shift to Java.
* Collaborate with cross-functional teams to increase the technical excellence of our engineering culture.
That's What You Bring Along
* 7+ years of experience in software engineering, with strong proficiency in backend development.
* Professional experience in PHP development, with solid hands-on expertise.
* Professional experience in Java development, particularly with Spring/Spring Boot.
* Hands-on experience with Laravel (PHP), Spring Boot (Java), Git, Docker, and PostgreSQL.
* Strong conceptual knowledge of RESTful APIs, microservices, and event-driven architecture.
* Experience with full software lifecycle development and a DevOps mindset.
* Excellent problem-solving skills and a proactive approach to technical challenges.
* Strong communication and collaboration skills, aligned with Ratepay’s values of ownership and teamwork.
Preferred Qualifications:
* First experience in Kotlin would be a plus.
* Experience on JS frameworks like Vue.js would be beneficial
That's How Working With Us Will Be
Stability & Innovation: Become part of a dynamic fintech company that is transforming the financial industry through innovation and technology.
* Work with a diverse and talented team committed to pushing boundaries and setting new standards.
* We are part of the NEXI Group - one of the biggest financial groups in Europe
Culture & Social: Work with a diverse and talented team (we have 40+ nationalities!) committed to pushing boundaries and setting new standards.
* Collaborate at our brand-new office in the heart of Berlin: enjoy BBQs on our rooftop terrace and connect with colleagues over freshly brewed coffee from our barista coffee machine.
* Experience regular company and team events: monthly free lunch, summer party, all-hands meetings, guest speakers, conferences & events.
* Community Connect – get involved in one of our social projects, as part of our sustainability initiative
Growth: Unlock endless opportunities for professional development and advancement as you drive fintech excellence.
* Buddy Program for language learning: improve your English or German through tandem sessions with your colleagues.
* Access to learning platforms, and if included in your P&D goals, you can attend additional training sessions.
* Personal Development Plans - your career progression is taken seriously with us
Flexibility: We offer flexible working hours and hybrid working options to balance work and family life.
* We offer flexible working hours and hybrid working options to balance work and family life.
* Recharge your batteries by enjoying 28 days of vacation every year
* Become a digital nomad: Work with Ratepay from any EU country for up to 1 month per year.
* Ratepaw Community: Our office has a floor which is dog-friendly. So, bring your pawsome pet to work when needed
Rewards: Enjoy a competitive salary and benefits package that reflects your expertise and contributions.
* Generous private pension scheme- Ratepay match 100% of your contribution up to 50 Euros per month.
* Flexible benefits - You have a monthly budget of 30 euros to choose between several benefits, for example, public transport subscription, grocery stores voucher, sports clubs, and many others.
Extra Benefits: We provide home office equipment, including screens and keyboards, to ensure you have the right setup when working from home.
* Access to a corporate benefits platform where employees can get great discounts and offers for a range of online shops and activities.
* Take part with your colleagues in company sponsored sport events or attend one of our employee organized fitness sessions.
Equal Opportunities & Diversity
We value our diversity and welcome everyone to our team. Regardless of ethnic and social background, religious beliefs, worldview, gender, sexual orientation, physical and mental limitations, age, marital status, educational background and nationality.
With over 250 employees and 40 different nationalities, we take our values seriously. These include; ownership, growth, integrity, collaboration, customer centricity and inclusion (4/6 of our C-Level Board members are female)
About us
We dare to design the future of payments. Ratepay is energy and diversity and: custom-made state-of-the-art payment solutions. Established in 2009 we were a fintech before the word fintech even existed. Today we are the number one white-label Buy Now Pay Later payments provider in Europe handling over 2.5M transactions per month and we’re constantly growing.
We are where we are because we work together as one team. Because we got the freedom to execute ideas. And above everything: because we never stop improving. Here it is all about shared goals not about the big ego. We are dedicated pros (more than 250 of them) not cons. We embrace being courageous, committed and decisive, warm-hearted and having a will to win.
We have our origin in the heart of the payment scene and cover the whole value chain from integration support to the dunning process with a core of AI-based risk management. With us, you can integrate direct debit, instalments and prepayment. In other words: the favourite payment methods in Germany, Austria and Switzerland (the Dutch like it too). Located in the middle of Europe’s fintech metropolis (Berlin) we are proud to work with major partners such as Eurowings, Ebay and About You and hundreds more.