Bank Connectivity Engineer

GoCardless

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! PLATFORM ENGINEERING AT GOCARDLESS The Platform Engineering team is a unified, globally distributed team. We are currently located in London, Riga, and Lisbon. We work with all other engineering teams to empower them to build, release, run and scale their products. We operate with a strong focus on both strategic project delivery and operational excellence. OUR WORK IS A BALANCE OF: * Project Delivery: Building new platform components, from initial design to deployment. * Operational Support: Ensuring the health and stability of our systems through on-call rotations and incident management. * Business as Usual (BAU): Continuous maintenance, improvements, and support for audits and compliance. TECH STACK AND TOOLS: * Python, Ruby, Golang; * Terraform; * Atlantis  * AWS, GCP; * Kubernetes, GKE; * Github, GitHub Actions, ArgoCD; * Grafana, Prometheus; * Datadog WHAT EXCITES YOU: We use a wide range of technologies, and will never expect you to have experience with all of them. We do hope that you are enthusiastic about the infrastructure space and the impact your work can have on others. To enjoy this work you’ll be excited by: * Building and maintaining automation of new and existing infrastructure; * Appreciate and believe in building easy-to-understand and maintain tools to solve problems; * Automating operational tasks to eliminate toil using your software development skills and experience; * Ensuring that systems are safe and secure against cybersecurity threats; * Working closely with software engineers and data scientists; * Being involved in the technical design of architecture and making technical decisions; * Cloud-first engineering; * Ongoing opportunities to further develop your skills; * Care about working with people who share the same values as you and who will continually push you to grow. WHAT EXCITES US  * Experience with at least one programming language such as Python, Ruby, Golang etc.; * Experience with IaC tooling, such as Terraform; * Previous experience with Terraform automation toolings such as Terragrunt or Atlantis will be considered an advantage; * Experience with cloud computing providers such as AWS or GCP; * Experience with containerized applications; * Previous experience with container orchestration such as Kubernetes and GKE will be considered an advantage; * Experience with CI/CD tooling such as Github, GitHub Actions, ArgoCD, etc.; * Experience working with monitoring tooling such as Grafana, Prometheus, etc.; * Experience with relational databases and other datastores, especially around high availability and performance optimisation; * Awareness of DevOps and Agile principles; * Fluency in English; * Excellent teamwork and communication skills.   Base salary range: £78,400 - £117,600  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 As of April 2025, we had 806 employees (GeeCees) globally, with 524 based in the UK, 163 based in Latvia and 119 across our other offices. To ensure that we're representative of the world around us - and to be able to review relevant benchmarks - we ask GeeCees to voluntarily disclose diversity data. This year, the proportion of GeeCees providing data increased to 88% (up from 79% in 2024). With regards to diversity within GoCardless, we can see GeeCees identifying as: Asian, Black, Mixed or Other — 25%  Neurodiverse — 9%  LGBTQIA+ — 9%  Disabled — 1%  Average age — 33 Female — 45% Male —  55%  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. If you want to learn more, you can read about our Employee Resource Groups and objectives here Sustainability We’re committed to reducing our impact on the environment, leaving a more sustainable world for future generations. Check out our sustainability action plan here. Find out more about Life at GoCardless via Twitter, Instagram and LinkedIn.

GoCardless

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! THE ROLE Our mission as the Payment Intelligence team is to augment our bank payments product with intelligent data products that differentiate our offering and increase our win rates. Our focus areas are our existing products, Success+ and Protect+. This means creating market-leading payment recovery rates and fraud prevention products. Projects in the pipeline that align to these focus areas are: * Improve payment recovery rates for failed Account to Account payments. * Enhance the value proposition of our Payment Intelligence products for our merchants. * Lead growth initiatives to increase the adoption of Success+ and Protect+ As an engineer, you will be actively working on projects that help grow the adoption of these products while improving the experience of using the same and coming up with ideas for new product features in this space. You will be aided and supported in this journey by a cross functional team of super talented and motivated engineers and data scientists This is a unique and high-profile opportunity for you, as an engineer, to work on building one one of GoCardless' major revenue streams in the coming years. WHAT EXCITES YOU  * You have a growth mindset, motivated by driving concrete business outcomes. * You enjoy building state of the art user experiences for our customers * 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   * You want to solve problems that will drive revenue growth and will have an impact on the engineering technical vision. * You effectively collaborate with other engineering teams and business stakeholders. * You have a product ownership mindset and can work with other functions in the team to come up with ideas for product features. * You have hands on experience with large front end codebases and have worked on front end infrastructure at scale. Base salary range: £80,000 - £120,000 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 As of April 2025, we had 806 employees (GeeCees) globally, with 524 based in the UK, 163 based in Latvia and 119 across our other offices. To ensure that we're representative of the world around us - and to be able to review relevant benchmarks - we ask GeeCees to voluntarily disclose diversity data. This year, the proportion of GeeCees providing data increased to 88% (up from 79% in 2024). With regards to diversity within GoCardless, we can see GeeCees identifying as: Asian, Black, Mixed or Other — 25%  Neurodiverse — 9%  LGBTQIA+ — 9%  Disabled — 1%  Average age — 33 Female — 45% Male —  55%  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. If you want to learn more, you can read about our Employee Resource Groups and objectives here Sustainability We’re committed to reducing our impact on the environment, leaving a more sustainable world for future generations. Check out our sustainability action plan here. Find out more about Life at GoCardless via Twitter, Instagram and LinkedIn.

GoCardless

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! THE ROLE Data sits at the core of our mission. We leverage bank account data to deliver high-value, intelligent payment solutions for our customers, from enhancing payment success rates to driving payer fraud prevention. As a Data Science Manager within our Payment Intelligence team, you’ll partner with Software Engineers, Product Managers, and Designers to turn big ideas into reality. You’ll own the full lifecycle of our algorithms, shaping everything from the initial concept to production-ready code that powers our global payment network. At GoCardless, our stack is centered around Google Cloud Platform and Vertex AI, providing a high-performance environment for innovation. Our Data Scientists operate at the intersection of Python, SQL, and BigQuery to build and deploy high-performance models at scale. WHAT YOU’LL DO * Manage and mentor a high-performing team of Data Scientists, fostering a culture of technical excellence and supporting their long-term career development. * Oversee the end-to-end lifecycle of mission-critical ML models that power real-time payment decisions. * Shape the strategic roadmap for the Payment Intelligence space, translating complex data challenges into actionable, high-impact goals. * Drive cross-functional impact by working closely across disciplines to build end-to-end technical solutions, from concept to production. * Influence Senior Leadership by acting as the bridge between technical complexity and business value, communicating ML strategy to senior stakeholders. WHAT EXCITES YOU * Driving cutting-edge advancements in Data, AI, and Machine Learning within the payments space with a multidisciplinary team. * Mentoring a high-performing team and fostering a culture of technical excellence. * Solving the complex, real-time challenges of fraud prevention and payment optimisation at scale. * Building production-grade ML models on a streamlined GCP and Vertex AI stack to drive fintech innovation. WHAT EXCITES US * 2+ years managing Data Scientists within complex, high-stakes domains. * A hands-on leader comfortable diving into the codebase. You bring strong expertise in Python and SQL to oversee the full lifecycle of a model, from initial prototype to robust production deployment. * A decisive collaborator who can navigate technical trade-offs and translate complex ML concepts for cross-functional stakeholders and leadership. * Familiarity with complex data environments and model architectures, such as deep learning (experience in Fintech, Fraud Prevention, or Payments is a big plus). Base salary range: £99,200 - £148,800  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 As of April 2025, we had 806 employees (GeeCees) globally, with 524 based in the UK, 163 based in Latvia and 119 across our other offices. To ensure that we're representative of the world around us - and to be able to review relevant benchmarks - we ask GeeCees to voluntarily disclose diversity data. This year, the proportion of GeeCees providing data increased to 88% (up from 79% in 2024). With regards to diversity within GoCardless, we can see GeeCees identifying as: Asian, Black, Mixed or Other — 25%  Neurodiverse — 9%  LGBTQIA+ — 9%  Disabled — 1%  Average age — 33 Female — 45% Male —  55%  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. If you want to learn more, you can read about our Employee Resource Groups and objectives here Sustainability We’re committed to reducing our impact on the environment, leaving a more sustainable world for future generations. Check out our sustainability action plan here. Find out more about Life at GoCardless via Twitter, Instagram and LinkedIn.