Your Mission
At Ratepay, we are dedicated to revolutionizing the world of digital payments. Established in 2009, we have grown to become Europe's leading white-label Buy Now Pay Later payment provider, processing over 2.5 million transactions per month. Our diverse team of 200+ professionals collaborates to create customized, state-of-the-art payment solutions for major online retailers and marketplaces.
Ratepay is seeking an experienced Software Engineer with a strong background in PHP and Java, including expertise in RESTful APIs, microservices, and event-driven architecture. In this role, you will be responsible for taking full ownership of the software development lifecycle, from concept to deployment, as part of the Buyer Experience (BUX) product development team. You will work on critical tools for customer service, merchant partners, and direct communication with buyers via email, post, and web portals, contributing to shaping Ratepay's external image through millions of monthly contacts.
Key Responsibilities:
* Develop, operate, and continuously improve our products, ensuring robust and scalable solutions.
* Take an essential role in the refactoring of our Customer Service (CS) platform, transitioning from PHP to JVM-based architecture.
* Bring your expertise in PHP to drive technical innovation and mentor fellow engineers.
* Actively participate in frontend tasks and changes
* Champion best practices in software development, ensuring clean, maintainable, and efficient code.
* Foster a DevOps mindset and take ownership of solutions in an AWS environment ("we build it, we run it").
* Design and implement new features and services, optimizing system performance and user experience.
* Be a key knowledge carrier for PHP while playing a center role in our shift to JVM over time.
* Collaborate with cross-functional teams to increase the technical excellence of our engineering culture.
That's What You Bring Along
Must-have Skills:
* 4+ years of experience in software engineering, with strong proficiency in backend development.
* Professional experience in PHP development, with solid hands-on expertise.
* Hands-on experience with major PHP frameworks (like Laravel), Git, Docker, and PostgreSQL.
* First experience in JS based frontend development and one of the major JS frameworks.
* Strong interest in shifting to JVM (Java/Kotlin) together with our tech stack in the future.
* Conceptual knowledge of RESTful APIs, microservices, and event-driven architecture.
* Experience with full software lifecycle development and a DevOps mindset.
* Excellent problem-solving skills and a proactive approach to technical challenges.
* Strong communication and collaboration skills aligned with Ratepay’s values of ownership and teamwork.
Nice-to-have Skills:
* First experience of Java/Kotlin would be a plus.
* First experience of Vue.js would be beneficial.
Equal Opportunities & Diversity
We value our diversity and welcome everyone to our team. Regardless of ethnic and social background, religious beliefs, worldview, gender, sexual orientation, physical and mental limitations, age, marital status, educational background and nationality. With over 200 employees and 40 different nationalities, we take our values seriously. These include ownership, growth, integrity, collaboration, customer centricity and inclusion.
About us
We dare to design the future of payments. Ratepay is energy and diversity and: custom-made state-of-the-art payment solutions. Established in 2009 we were a fintech before the word fintech even existed. Today we are the number one white-label Buy Now Pay Later payments provider in Europe handling over 2.5M transactions per month and we’re constantly growing.
We are where we are because we work together as one team. Because we got the freedom to execute ideas. And above everything: because we never stop improving. Here it is all about shared goals not about the big ego. We are dedicated pros (more than 250 of them) not cons. We embrace being courageous, committed and decisive, warm-hearted and having a will to win.
We have our origin in the heart of the payment scene and cover the whole value chain from integration support to the dunning process with a core of AI-based risk management. With us, you can integrate direct debit, instalments and prepayment. In other words: the favourite payment methods in Germany, Austria and Switzerland (the Dutch like it too). Located in the middle of Europe’s fintech metropolis (Berlin) we are proud to work with major partners such as Eurowings, Ebay and About You and hundreds more.