GoCardless

GoCardless is a global bank payment company. Over 100,000 businesses, from start-ups to household names, use GoCardless to collect and send payments through direct debit, real-time payments and open banking. GoCardless processes US$130bn+ of payments annually, across 30+ countries; helping customers collect and send both recurring and one-off payments, without the chasing, stress or expensive fees. We use AI-powered solutions to improve payment success and reduce fraud. And, with open banking connectivity to over 2,500 banks, we help our customers make faster, more informed decisions. We are headquartered in the UK with offices in London and Leeds, and additional locations in Australia, France, Ireland, Latvia, Portugal and the United States. At GoCardless, we're all about supporting you! We're committed to making our hiring process inclusive and accessible. If you need extra support or adjustments, reach out to your Talent Partner - we're here to help! And remember: we don't expect you to meet every single requirement. If you're excited by this role, we encourage you to apply! The role This role will be working within the Fraud Prevention team in our Merchant Operations Group. The Fraud Prevention team plays a critical role in protecting the integrity of the GoCardless platform by building systems that prevent and detect merchant fraud before it impacts our business or our customers. The Fraud Prevention Data Scientist will work closely with Engineers and Fraud Analysts to develop and deploy predictive models that strengthen our fraud defenses. You'll focus on the end-to-end delivery of ML solutions - from feature engineering and prototyping to production grade deployment - to reduce false positives and automate controls without introducing unnecessary friction. You'll also collaborate with cross functional stakeholders to ensure our ML products scale on our GCP stack, driving fintech innovation while supporting a seamless customer experience. What you'll do Contribute to the end to end delivery of models at scale, from initial discovery and feature engineering to production, A/B testing and continuous monitoring. Collaborate with product, engineering and data science peers to turn complex data into real time, mission critical fraud prevention solutions. Raise the team's collective bar through hands on technical leadership and knowledge sharing. Help bring to live the latest developments in ML and payer fraud prevention to drive innovation at GoCardless. What excites you Being a self starter who thrives on taking a vague business problem and owning the journey from the first prototype to a live, measurable solution. Contributing to the future of fraud prevention, by shaping up the data and ML products all the way from the initial insights to the market ready solutions. Working with a range of stakeholders to discover and design ML solutions, adapting them to the markets as we grow. Building production grade ML models on a streamlined GCP and Vertex AI stack to drive fintech innovation. What excites us You hold a degree (or PhD) in a STEM discipline or an equivalent commercial experience. You have a track record of deploying predictive models and data products in production with quantifiable impact (experience in Fintech, Fraud Prevention, or Payments is a big plus). You can translate complex ML concepts into practical product solutions and communicate these ideas clearly to non technical peers. You are experienced with writing and maintaining code to a production level standard, supporting the team with code reviews. You are comfortable contributing across the full model lifecycle, from deep dive analysis and feature engineering to prototyping, validation, and live A/B testing. Base salary ranges are based on role, job level, location, and market data. Please note that whilst we strive to offer competitive compensation, our approach is to pay between the minimum and the mid point of the pay range until performance can be assessed in role. Offers will take into account level of experience, interview assessment, budgets and parity between you and fellow employees at GoCardless doing similar work. The Good Stuff! Wellbeing: Dedicated support and medical cover to keep you healthy. Work Away Scheme: Work from anywhere for up to 90 days in any 12 month period. Hybrid Working: Our hybrid model offers flexibility, with in office days determined by your team. Equity: All permanently employed GeeCees get equity to share in our success. Parental leave: Tailored leave to support your life's great adventure. Time off: Annual holiday leave based on your location, supplemented by 3 volunteer days and 4 wellness days.

A leading global bank payment company is seeking a Fraud Prevention Data Scientist to join their Merchant Operations Group. This role involves developing and deploying ML models to strengthen fraud defenses while collaborating with engineering and analytics teams. The ideal candidate has a strong background in machine learning and a degree or PhD in a STEM field. The position offers competitive salary, equity opportunities, and supports hybrid work arrangements.

Software Development Engineer II - Frontend London, UK About us GoCardless is a global bank payment company. Over 100,000 businesses, from start-ups to household names, use GoCardless to collect and send payments through direct debit, real time payments and open banking. GoCardless processes US$130bn+ of payments annually, across 30+ countries; helping customers collect and send both recurring and one off payments, without the chasing, stress or expensive fees. We use AI powered solutions to improve payment success and reduce fraud. And, with open banking connectivity to over 2,500 banks, we help our customers make faster, more informed decisions. We are headquartered in the UK with offices in London and Leeds, and additional locations in Australia, France, Ireland, Latvia, Portugal and the United States. At GoCardless, we're all about supporting you! We're committed to making our hiring process inclusive and accessible. If you need extra support or adjustments, reach out to your Talent Partner - we're here to help! And remember: we don't expect you to meet every single requirement. If you're excited by this role, we encourage you to apply! Engineering at GoCardless The technical challenges of building GoCardless span from simplifying building banking schemes to optimising the time to render the dashboard. You will enjoy being a software engineer at GoCardless if: You're looking to champion a great engineering culture within GC and in the wider engineering community; You enjoy collaborating and learning from people from various backgrounds and experiences; You want to feel proud of the work you're doing and its impact on real customers. Our engineers contribute to the engineering culture within and outside of GoCardless: they contribute to Open Source Software projects (see our Github), and share learnings in post mortems, conferences and on our blog. You're not expected to have expertise in all these technologies. Members of our team have picked up the tools once they've started working with the team. If you're unsure, please apply. The Role This is an exciting and unique opportunity to join GoCardless in our London office as a Software Development Engineer II. Our team in the Growth Group exists to design, build and own new features & experiments which drive customer acquisition, engagement and retention. You will actively shape the team's future, aiming to build robust, high quality products. You'll be involved in planning and executing the technical vision, which includes working on some of these key initiatives and you'll collaborate with colleagues inside and outside the team to help us achieve great impact. What excites you You have a growth mindset, motivated by driving concrete business outcomes. You adapt to new technologies and processes quickly. You thrive in a collaborative environment and believe the best products are built through collaboration. You are passionate about building and improving products by experimenting, prototyping and applying an iterative approach to validate ideas and learn. What excites us Experience building web products and services and awareness of technologies across the front end and back end stack. You enjoy building delightful experiences for users and have a keen eye for detail. You care about building reliable, well tested systems. You enjoy solving problems and are happy to take initiative to find better solutions. As a bonus - You have some experience working with the backend and are open to working across the stack Base salary ranges are based on role, job level, location, and market data. Please note that whilst we strive to offer competitive compensation, our approach is to pay between the minimum and the mid point of the pay range until performance can be assessed in role. Offers will take into account level of experience, interview assessment, budgets and parity between you and fellow employees at GoCardless doing similar work. Some of the good stuff Wellbeing - stay healthy with dedicated support and medical cover Work away scheme - gives you the option to work away from your country of residence for up to 90 days in any 12 month period Adaptive Working - allows you to work flexibly, around your lifestyle Equity - all permanently employed GCs get equity to help you make a valuable contribution Parental leave - to suit everyone embarking on life's great adventure Learning Budget - lead your own development with an annual learning budget Time off - generous holiday allowance, + 3 annual volunteer days, + 4 annual business wide wellness days ('GC Fridays') Life at GoCardless We're an organisation defined by our values; We start with why before we begin any project, to ensure it's aligned with our mission. We act with integrity, always. We care deeply about what we do and we know it's essential that we be humble whilst we do it. Working this way creates the GC magic- the reason we all love showing up to work. Diversity & Inclusion We're building the bank payment network of the future and our ambition is to move money anywhere, for anything, for anyone. If we're going to achieve this goal, we need to build a team of 'GeeCee's' that is as wonderfully diverse as the world we live in - with a multitude of perspectives, experiences & backgrounds. We've got a long way to go, but here's how we're doing as of 2025: Female Employees- 44% Ethnic background- 25% Identify as LGBTQIA+- 9% Disabled- 1% We're rooting for you during your application and GoCardless aims to provide reasonable adjustments to make our recruitment process as remarkable and accessible as we can. Please speak to your Talent Partner if you need extra support. Sustainability We're committed to reducing our impact on the environment, leaving a more sustainable world for future generations. In 2021 we became co founders of the Tech Zero coalition , a group of businesses committed to taking climate action as part of the UNFCCC Race to Zero . We aim to reduce our impact and to create positive change on the natural world. Check out our sustainability action plan here.

GoCardless is seeking a Software Development Engineer II to join their London office. You'll help design and own new features aimed at enhancing customer acquisition and retention. This role encourages collaboration and growth, allowing engineers to actively shape their future and contribute to impactful projects. Ideal candidates will have experience building web products, possess a growth mindset, and thrive in a collaborative environment. GoCardless values diverse perspectives and offers robust benefits, including flexible working arrangements and generous time off.

Software Development Engineer II - Frontend London, UK About us GoCardless is a global bank payment company. Over 100,000 businesses, from start-ups to household names, use GoCardless to collect and send payments through direct debit, real time payments and open banking. GoCardless processes US$130bn+ of payments annually, across 30+ countries; helping customers collect and send both recurring and one off payments, without the chasing, stress or expensive fees. We use AI powered solutions to improve payment success and reduce fraud. And, with open banking connectivity to over 2,500 banks, we help our customers make faster, more informed decisions. We are headquartered in the UK with offices in London and Leeds, and additional locations in Australia, France, Ireland, Latvia, Portugal and the United States. At GoCardless, we're all about supporting you! We're committed to making our hiring process inclusive and accessible. If you need extra support or adjustments, reach out to your Talent Partner - we're here to help! And remember: we don't expect you to meet every single requirement. If you're excited by this role, we encourage you to apply! Engineering at GoCardless The technical challenges of building GoCardless span from simplifying building banking schemes to optimising the time to render the dashboard. You will enjoy being a software engineer at GoCardless if: You're looking to champion a great engineering culture within GC and in the wider engineering community; You enjoy collaborating and learning from people from various backgrounds and experiences; You want to feel proud of the work you're doing and its impact on real customers. Our engineers contribute to the engineering culture within and outside of GoCardless: they contribute to Open Source Software projects (see our Github), and share learnings in post mortems, conferences and on our blog. You're not expected to have expertise in all these technologies. Members of our team have picked up the tools once they've started working with the team. If you're unsure, please apply. The Role This is an exciting and unique opportunity to join GoCardless in our London office as a Software Development Engineer II. Our team in the Growth Group exists to design, build and own new features & experiments which drive customer acquisition, engagement and retention. You will actively shape the team's future, aiming to build robust, high quality products. You'll be involved in planning and executing the technical vision, which includes working on some of these key initiatives and you'll collaborate with colleagues inside and outside the team to help us achieve great impact. What excites you You have a growth mindset, motivated by driving concrete business outcomes. You adapt to new technologies and processes quickly. You thrive in a collaborative environment and believe the best products are built through collaboration. You are passionate about building and improving products by experimenting, prototyping and applying an iterative approach to validate ideas and learn. What excites us Experience building web products and services and awareness of technologies across the front end and back end stack. You enjoy building delightful experiences for users and have a keen eye for detail. You care about building reliable, well tested systems. You enjoy solving problems and are happy to take initiative to find better solutions. As a bonus - You have some experience working with the backend and are open to working across the stack Base salary ranges are based on role, job level, location, and market data. Please note that whilst we strive to offer competitive compensation, our approach is to pay between the minimum and the mid point of the pay range until performance can be assessed in role. Offers will take into account level of experience, interview assessment, budgets and parity between you and fellow employees at GoCardless doing similar work. Some of the good stuff Wellbeing - stay healthy with dedicated support and medical cover Work away scheme - gives you the option to work away from your country of residence for up to 90 days in any 12 month period Adaptive Working - allows you to work flexibly, around your lifestyle Equity - all permanently employed GCs get equity to help you make a valuable contribution Parental leave - to suit everyone embarking on life's great adventure Learning Budget - lead your own development with an annual learning budget Time off - generous holiday allowance, + 3 annual volunteer days, + 4 annual business wide wellness days ('GC Fridays') Life at GoCardless We're an organisation defined by our values; We start with why before we begin any project, to ensure it's aligned with our mission. We act with integrity, always. We care deeply about what we do and we know it's essential that we be humble whilst we do it. Working this way creates the GC magic- the reason we all love showing up to work. Diversity & Inclusion We're building the bank payment network of the future and our ambition is to move money anywhere, for anything, for anyone. If we're going to achieve this goal, we need to build a team of 'GeeCee's' that is as wonderfully diverse as the world we live in - with a multitude of perspectives, experiences & backgrounds. We've got a long way to go, but here's how we're doing as of 2025: Female Employees- 44% Ethnic background- 25% Identify as LGBTQIA+- 9% Disabled- 1% We're rooting for you during your application and GoCardless aims to provide reasonable adjustments to make our recruitment process as remarkable and accessible as we can. Please speak to your Talent Partner if you need extra support. Sustainability We're committed to reducing our impact on the environment, leaving a more sustainable world for future generations. In 2021 we became co founders of the Tech Zero coalition , a group of businesses committed to taking climate action as part of the UNFCCC Race to Zero . We aim to reduce our impact and to create positive change on the natural world. Check out our sustainability action plan here.

A leading fintech company in London is looking for a Senior Software Development Engineer specializing in Elasticsearch for a contract role. You'll lead the engineering efforts behind search functionality in the merchant dashboard, ensuring quick access to critical information. Ideal candidates will have deep experience with Elasticsearch, strong programming skills in Ruby, and the ability to design observability into systems. The position includes a hybrid work model, wellbeing support, and equity options.

Senior Software Development Engineer - Elasticsearch (Contract) London, UK About the Role This is a day rate contract role lasting 3 months, with the possibility of extending to 6 months. You will lead the engineering work that underpins search in our merchant dashboard - the primary interface through which thousands of businesses manage their customers and payments on GoCardless. Search is a critical workflow for our merchants. Whether they're locating a specific customer, tracking down a payment, or reconciling transactions, they rely on search to get to the right information quickly. You will design and implement a robust, high quality search solution that is relevant, fast, and resilient at scale. This is a hands on engineering role. You will work closely with our Product Engineering and Platform teams, contributing production ready code and pairing with engineers throughout the engagement. What you bring Deep hands on experience building and operating Elasticsearch clusters in production environments, comfortable working across the full stack from cluster configuration through to Query DSL and index design. Operational maturity - you design with observability in mind from the outset and know how to monitor cluster health, detect and respond to failures. Cloud platform experience - you have worked with managed Elasticsearch deployments on a major cloud provider and understand what changes when moving away from self managed infrastructure. A track record of leaving teams more capable - through documentation, code review, or targeted workshops, you make complex systems understandable to engineers who will maintain them after you move on. Strong programming skills in Ruby. The Good Stuff! Wellbeing: Dedicated support and medical cover to keep you healthy. Work Away Scheme: Work from anywhere for up to 90 days in any 12 month period. Hybrid Working: Our hybrid model offers flexibility, with in office days determined by your team. Equity: All permanently employed GeeCees get equity to share in our success. Parental leave: Tailored leave to support your life's great adventure. Time off: Annual holiday leave based on your location, supplemented by 3 volunteer days and 4 wellness days. Equal Opportunity Employer GoCardless is an equal opportunity employer. We're committed to fostering an inclusive and high performance culture built on trust and transparency.

GoCardless in Greater London is looking for an engineer for their Payment Intelligence team. The role involves improving payment recovery rates, enhancing product value for merchants, and leading growth initiatives for Success+ and Protect+. Candidates should have a growth mindset, a collaborative attitude, and adaptability to new technologies. The position offers adaptive working arrangements, wellbeing support, and generous benefits including a learning budget and equity for all permanent staff.

Overview GoCardless is a London-based fintech that powers domestic and international bank payments for over 75,000 organisations, processing more than $30 billion across 30 countries. The Payment Intelligence team builds data driven products to increase win rates and improve customer outcomes. The Role As an engineer on the Payment Intelligence team, you will help grow the adoption of Success+ and Protect+ and create market leading payment recovery and fraud prevention solutions. You will work with cross functional teams of engineers and data scientists to design, build, and iterate on product features. Responsibilities Improve payment recovery rates for failed account to account payments. Enhance the value proposition of Payment Intelligence products for merchants. Lead growth initiatives to increase adoption of Success+ and Protect+. Collaborate with engineering, product, and business stakeholders to shape new product features. Support a cross functional team to deliver high quality code and data solutions. Qualifications Growth mindset with a drive for concrete business outcomes. Quick adaptation to new technologies and processes. Collaborative, product ownership attitude and ability to work with multiple functions. Experience in experimenting, prototyping, and applying an iterative approach to validate ideas. Front end UI experience is a bonus, but a willingness to work across the stack is required. Benefits Wellbeing support, dedicated medical cover, and a work away scheme up to 90 days per year. Adaptive working arrangements to fit your lifestyle. Equity for all permanently employed staff. Parental leave. Learning budget for annual professional development. Generous holiday allowance, 3 annual volunteer days, and 4 business wide wellness days. Salary Base salary is based on role, level, location, and market data. We offer between the minimum and mid point of the pay range until performance is assessed. Salaries are determined by experience, interview assessment, budgets, and parity with comparable employees. Diversity & Inclusion GoCardless is committed to building a diverse, inclusive, and equitable workplace. We comply with all equal employment opportunity laws and encourage any talent to apply irrespective of gender, ethnicity, sexual orientation, or neurodiversity.