Software Development Engineer - Payment Intelligence team

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.
• Improve fraud detection rates of our ML models and rules based systems
• Improve the consumer authentication flow experiences for high risk payments.

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 team of super talented and motivated engineers.

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 adapt to new technologies and processes quickly.
• 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 have strong programming experience with Ruby and/or Python
• 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.

Base salary range: 2,933–4,400 EUR gross

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

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.