Backend Engineer - Account Sharing in London

Wise is a global technology company, building the best way to move and manage the world’s money. Min fees. Max ease. Full speed. Whether people and businesses are sending money to another country, spending abroad, or making and receiving international payments, Wise is on a mission to make their lives easier and save them money.

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.

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.

For everything we build, we keep our customers at the center of decision-making. We prioritize work based on customer research, behavioral data, and direct feedback, and we iterate quickly based on what we learn. The Account Sharing team operates as a highly collaborative, cross-functional product team. Engineers are not expected to simply implement tickets — they are expected to contribute to product direction, challenge assumptions, influence technical strategy, and help shape the customer experience.

The environment is greenfield and fast-moving. Requirements evolve quickly, and engineers are encouraged to take ownership, drive discussions, and work closely with stakeholders across engineering, product, design, and research. At Wise, we believe 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. You’ll help build 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. The 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

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.

Nice to have:

• 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

Team Overview: The Account Sharing team sits within Wise’s Consumer Squad and operates as a highly cross-functional product team. Team composition: 4 Engineers, 1 Tech Lead, 1 Product Manager, 1 Designer, 1 Data Analyst, 1 User Researcher. You’ll work closely with: Okan (Tech Lead), Yuval (Product Manager), Core engineering team, Product, design, analytics, and research stakeholders.

Why join this team?

• Opportunity to build entirely new products from scratch
• Strong product ownership and influence over feature direction
• Direct exposure to customer interviews and user research
• Ability to solve genuine international financial problems
• Highly collaborative engineering, product, and design culture
• Product-focused environment rather than ticket-driven development
• Opportunity to work on meaningful products you may personally use yourself
• Exposure to multiple domains across Wise’s financial ecosystem

Challenges you’ll tackle:

• Navigating ambiguity in greenfield product development
• Designing systems for international regulatory and compliance requirements
• Balancing scalability with rapid iteration
• Building experiences that work across multiple countries and markets
• Scaling early-stage products into globally distributed systems used by millions of customers

For everyone, everywhere. We're people building money without borders — without judgement or prejudice, too. We believe teams are strongest when they are diverse, equitable and inclusive. We're proud to have a truly international team, and we celebrate our differences. Inclusive teams help us live our values and make sure every Wiser feels respected, empowered to contribute towards our mission and able to progress in their careers.