{"id":984754,"url":"https://alion.io/job/sumup-senior-software-engineer-lending-team","title":"Senior Software Engineer (Lending Team)","company":{"id":2055,"name":"SumUp","domain":"sumup.com","url":"https://alion.io/company/sumup","size_band":"1001-5000","is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Greenhouse","truth_index":{"grade":"B","score":79,"open_postings":105,"ghost_share":0,"stale_share":0.838,"repost_share":0,"time_to_fill_p50_days":45,"computed_at":"2026-10-14T06:34:16Z"}},"role":"Backend","role_family":"Backend","seniority":"senior","employment_type":null,"work_mode":"on_site","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["São Paulo, Brazil"],"countries":["BR"],"hiring_countries":[],"hiring_countries_total":0,"salary":null,"salary_estimate":{"min_usd":55000,"max_usd":117000,"period":"year","method":"role_seniority_country_cell","sample_n":20},"experience_years_min":null,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[{"name":"Go","optional":false},{"name":"Java","optional":false},{"name":"Kotlin","optional":false},{"name":"Python","optional":false},{"name":"Ruby","optional":false}],"status":"live","first_seen_at":"2026-09-01T14:38:50Z","employer_posted_date":"2026-09-22","last_verified_at":"2026-10-14T11:53:39Z","board_verified":true,"closed_at":null,"days_open":42,"trust":{"level":"ok","repost_count":null,"flags":[],"days_open":42},"description":"At SumUp, we believe small merchants are the heartbeat of our communities. By joining the Lending tribe, you'll help launch a new financing product designed for the roughly 50 million registered and informal sole traders in Brazil who currently can't access affordable credit.\nAs a Senior Software Engineer, you'll be the technical anchor of a brand new squad, operating with real autonomy. This is a role for someone who's energised by ambiguity, comfortable owning hard decisions without a playbook to follow, and excited to help shape a lending product from the ground up in a fast-moving, regulated market.\nWhat you'll do\nBuild the onboarding journey: Design and build the onboarding experience for non SumUp customers, including KYC and Open Finance account and income data integration\nOwn the repayment integration: Lead the technical relationship with our Open Finance partner alongside the Bank squad\nDeliver the product end to end: Build the core lending product experience, from credit assessment through to servicing and collections\nPower the credit decisioning: Connect Open Finance data to underwriting models to support fast, reliable credit decisions\nSet the technical direction: Make high impact architecture calls with minimal guidance, and coach mid level and entry level engineers\nNavigate the regulatory landscape: Partner closely with the Bank squad, Compliance, and our Open Finance external integration partner on Open Finance requirements in Brazil\nWhat makes you a great fit\nHave experience designing and owning complex distributed systems end to end, ideally backed by around 6 years in software engineering\nHave strong knowledge of Open Finance or Open Banking integrations, gained from working inside a bank, fintech, or another regulated financial product\nFeel comfortable working in Golang on backend systems, with the flexibility to work confidently in another language such as Java, Kotlin, Python, or Ruby\nCan identify gaps and ambiguity early, weigh up tradeoffs, and drive decisions without waiting for perfect information\nShares excitement about building a new product from scratch and exploring unfamiliar territory rather than maintaining something established\nWhy you should join SumUp\nGlobal Experience: Collaborate with a diverse team of 3,000+ people from over 90 countries, and join our global off-sites and hackathons.\nCollaborative Culture: Join a team that values diversity, innovation, and teamwork, where your ideas and contributions truly matter.\nCareer Growth: Be part of a global team working on large-scale fintech products used by millions of businesses.\nGreat Benefits: Health plans, meal vouchers (VR), Zenklub, Wellhub, life insurance, childcare allowance, and more.\nLearning & Development: Access an annual budget of R$ 10,000 for education, certifications, and conferences.\nTime Off: Enjoy 30 additional days off through our Break4Me program after 3 years at SumUp.\nGrow with Us: Participate in our virtual stock program and benefit from SumUp’s success with company shares.\nLearn More About SumUp\nOffice tour at São Paulo \nAsk me anything: Engineering at SumUp\nSumUp’s Innovation Hackathon\nGet to know our hiring process\nReady to Join us?\n Apply now and help us shape the future of financial solutions for small businesses\nJob Application Tip\nWe recognise that candidates feel they need to meet 100% of the job criteria in order to apply for a job. Please note that this is only a guide. If you don’t tick every box, it’s ok too because it means you have room to learn and develop your career at SumUp.","description_format":"text","description_chars":3561,"description_truncated":false,"requirements":{"experience_years_min":null,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":null,"security_clearance":false,"languages":[]},"benefits":["Life insurance"],"hiring_locations":[],"hiring_excludes":[],"relocation_offered":false,"industries":["POS Systems","Payment Processing & Gateways"],"lifecycle":[{"event":"open","at":"2026-09-16T23:14:54Z"}],"visa":[],"liveness":{"score":32,"band":"fade","label":"Fading","p_open":1,"p_active":0.527,"p_room":0.6,"age_days":42,"expected_fill_days":45,"reasons":["conf:4","stale_co","velocity","win:late","crowd:brand"],"computed_at":"2026-10-14T06:34:16Z"},"pay":null,"html_url":"https://alion.io/job/sumup-senior-software-engineer-lending-team","json_url":"https://alion.io/job/sumup-senior-software-engineer-lending-team.json","meta":{"generated_at":"2026-10-14T13:13:22Z","cache_seconds":300,"methodology":"https://alion.io/methodology","terms":"https://alion.io/terms","contact":"https://alion.io/contact","api":"https://alion.io/developers","about":"Alion is a live layer of people, companies and AI agents: who they are, whether they are real and active right now, what they do and how to work with them, readable by people and by agents and paid per call.","catalog":"https://alion.io/catalog.json","usage":{"tier":"crawler_verified","counted_by":"address","units_charged":1,"used_today":16278,"day_limit":null,"remaining_today":null,"minute_limit":300,"resets_at":"2026-10-15T00:00:00Z"}},"offers":[{"id":"company.slices","title":"One company in depth, by slice","status":"live","price":{"credits":0.02,"usd":0.002,"plus_per_slice":{"credits":0.05,"usd":0.005}},"unit":"per company, plus each slice with data","note":"the employer in depth","call":{"mcp_tool":"get_company","arguments":{"id":2055},"rest":"https://alion.io/mcp/rest/get_company?id=2055"},"human":"https://alion.io/catalog?offer=company.slices&for=job%2Fsumup-senior-software-engineer-lending-team"},{"id":"market.stats","title":"A market slice: pay, demand and time to fill","status":"live","price":{"credits":1,"usd":0.1},"unit":"per slice","note":"pay, demand and time to fill for this role and place","call":{"mcp_tool":"market_stats"},"human":"https://alion.io/catalog?offer=market.stats&for=job%2Fsumup-senior-software-engineer-lending-team"},{"id":"job.search","title":"Open jobs by role, technology, place, pay and visa","status":"live","price":{"credits":0.02,"usd":0.002},"unit":"per posting in a list","note":"similar open postings","call":{"mcp_tool":"search_jobs"},"human":"https://alion.io/catalog?offer=job.search&for=job%2Fsumup-senior-software-engineer-lending-team"},{"id":"company.verify","title":"Is this company real and active right now","status":"pilot","price":null,"unit":"per company","request":{"url":"https://alion.io/catalog/request","method":"POST","body":"{\"offer\": \"company.verify\", \"for\": \"job/sumup-senior-software-engineer-lending-team\", \"note\": \"what you need it for\"}"},"human":"https://alion.io/catalog?offer=company.verify&for=job%2Fsumup-senior-software-engineer-lending-team"}]}