Backend Engineer - Account Sharing

We are looking for a Backend Engineer to join the Account Sharing team within Wise's Consumer Squad. The team is focused on building entirely new products in the shared finances space for consumers - including international joint accounts and kid accounts.

Our mission is to make it easy for families, couples, friends, and flatmates across different countries to manage money together seamlessly through Wise. Unlike most existing solutions that are limited to domestic markets, we are building shared financial experiences that work globally.

This is a highly product-oriented engineering role where you'll help shape products from the ground up. You'll work closely with Product Managers, Designers, Data Analysts, and User Researchers to deeply understand customer problems and turn ambiguous ideas into scalable financial products used by millions of customers worldwide.

We keep our customers at the center of decision-making, prioritise work based on customer research, behavioural data, and direct feedback, and iterate quickly based on what we learn.

The Account Sharing team operates as a highly collaborative, cross functional product team. Engineers are expected to contribute to product direction, challenge assumptions, influence technical strategy, and help shape the customer experience.

Requirements evolve quickly and engineers are encouraged to take ownership, drive discussions, and work closely with stakeholders across engineering, product, design, and research.

Wise believes in autonomous teams where everyone contributes ideas, takes ownership, and helps define priorities together.

Your work will directly shape the future of shared finances at Wise, building products that allow families, couples, flatmates, and friends across different countries to manage money together in ways that existing financial products often cannot support today.

Systems and experiences you build will need to scale globally, support millions of customers, and navigate the complexities of international compliance, regulation, and financial infrastructure.

This role offers the opportunity to influence both technical architecture and product direction while helping Wise expand into a strategically important area of consumer finance.

Key focus areas for the team are:

• Building international joint accounts for globally distributed users
• Expanding Wise kid accounts into additional markets
• Creating shared finance experiences that work across borders
• Designing scalable backend systems for high growth consumer products
• Developing features around shared spending, sending/receiving money, and account customization
• Collaborating on customer discovery and product iteration
• Scaling infrastructure and improving reliability across multiple markets
• Building greenfield financial products from concept to production

You'll also have opportunities to work across multiple areas of the Wise ecosystem, including:

• Send/receive money flows
• Spend experiences
• Authorization systems
• FinCrime-related systems
• Shared account infrastructure

What do you need?

• You know how to build scalable distributed systems and deliver customer-facing products used by millions of users.
• You are proficient in backend programming languages such as Java, Kotlin, Python, or Go.
• You have strong experience designing asynchronous, reliable, and scalable systems within microservice architectures.
• You are comfortable working in greenfield environments where requirements evolve rapidly and ambiguity is part of the process.
• You have a strong product mindset and enjoy collaborating closely with Product Managers, Designers, Analysts, and Researchers to shape solutions - not just implement them.
• You care deeply about customer experience and understand how technical decisions impact end users.
• You are comfortable contributing to architectural discussions, challenging assumptions, and influencing technical and product direction.
• You write clean, maintainable, well tested code and care about long term scalability and reliability.
• You are a strong communicator who can explain complex technical concepts clearly and collaborate effectively across teams.
• You are comfortable operating independently while also contributing to a collaborative team culture.

• Experience building greenfield products from scratch
• Experience working on international consumer products
• Experience with payments, financial systems, or compliance-heavy environments
• Experience building systems at global scale
• Familiarity with event-driven architecture and messaging systems such as Kafka
• Experience with customer-facing financial products
• API-first development experience