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Lead Backend Engineer

build out our financial infrastructure and backend systems

type of job



image 59K-89K

updated at

17 months ago

job details

About the role

  • Underpay is looking for a talented backend engineer with experience in payments to join our team and build out our financial infrastructure and backend systems.
  • You will join the startup on day 1 and work directly with the founders, starting from a blank slate to design and implement a scalable architecture to power our MVP.
  • Hybrid working ≤2 days in person in London a week, or fully remote

What you’ll do:

Immediate (up to launch of our MVP):

  • Make all technical decisions alongside the founders, including architecture design, tech stack, tooling choices etc.
  • Establish a clear and effective development workflow including issue tracking, coding standards, reviews, staging environments, deployment.
  • Go hands-on with coding the backend systems required for our MVP.
  • Report directly to the co-CEO responsible for technology.


  • Build out the technology function at Underpay.
  • Take full ownership over the technology roadmap, and take up a C-suite role in the overall management of the company.

Who you are:

  • Senior backend engineer with bags of pure coding experience in Fintech. “Move fast… while complying with the FCA handbook” is your motto.
  • Future CTO looking for their big break. Feel like your growth is being stifled in a 40-person engineering team?
  • Startup-oriented. You perform best in a small team with the full business context and a clear North Star goal.
  • Quick off the mark. You get to the crux of the matter quickly and optimise for done over perfect.
  • Self-sufficient. You want responsibility and thrive on being trusted to get on with it.
  • Must haves:
  • 3+ years of commercial backend engineering experience in fintech, preferably payments.
  • Experience in leading software projects - responsibility for the full lifecycle of development.
  • Computer Science degree.

Nice to haves:

  • Engineering experience in UK fintech is a big advantage
  • Experience building an alternative payment method (APM) like BNPL or Open Banking.
  • Experience building integrations with Open Banking third-party providers (like Plaid).
  • Experience building payment integrations with e-commerce platforms such as Shopify and WooCommerce.

What we offer

  • Competitive salary
  • Potential for options upon next funding round.
  • Bring your own tech stack - we have no legacy dependencies, and will use what you know if it is the best tool for the job.
  • True startup experience, you’ll be joining the team on day 1 - shaping the product, technology and working practices.
  • Clear pathway to becoming a CTO of a fast-growing fintech company.

About us

  • Our mission is to transition UK consumer payments from legacy, inefficient card networks to modern Open Banking-based rails.
  • We do this by democratising access to spending rewards, bringing them to the people left out the traditional credit card system.
  • We use Open Banking to process e-commerce transactions, passing the fee savings to users in the form of credit card-like points.
  • That is, for the first time ever, you can earn rewards on purchases made with your own money, whoever you bank with. Just checkout with Underpay and get a minimum of 1% back on purchases made directly from your existing current account.


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Pay by bank, earn rewards - no credit card or new bank account required.