Senior Software Engineer - US Payments and Partner Operations (m/f/d)

Raisin is the world’s leading platform for savings and investment products. Founded in 2012, the FinTech connects consumers with banks in the EU, the UK and the US. This gives consumers better interest rates and banks a diversified form of refinancing. Our vision is to offer savings and investments without barriers and thus open up the global 160 trillion euro market.

Raisin currently employs more than 800 people from over 75 countries worldwide. Today, the platform holds over 80 billion euros in assets from more than one million investors which have accrued over 5 billion euros in returns.

Team

The US Payments & Partner Operations (PPO) team owns the core money-movement stack for the Raisin US’ platform: ACH payment initiation, reconciliation, returns, and cut-off scheduling, plus the customer accounts lifecycle — bank linking, fraud signal integration, and identity verification. Beyond payments, the team manages the B2B layer: onboarding and configuring Deposit-taking Banks, service banks, and custodians, including their user/role management. It also covers invoicing data pipelines for Deposit taking banks, escheatment workflows for dormant accounts and visibility for operations and customer support through our internal platform portal.

Your Responsibilities

• Own and deliver features and bug fixes end-to-end with minimal guidance.

• Identify and address bottlenecks in the team's delivery flow, from design to deployment.

• Utilize AI tools intensively for increasing our ability and pace to deliver software.

• Promote best practices around our core stack.

• Transfer knowledge proactively, lead by example in learning and mentoring.

• Contribute to improving how we program, test, review, and ship code.

• Flag process gaps and propose pragmatic…