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. We are building a future-ready domain driven Data warehousing platform that empowers high-impact business domains—Risk, Finance, Commercial, Product, and Compliance—to work with trusted, well-modeled data. Our Data team owns the end-to-end data architecture across ingestion, modeling, quality, and enablement. As a Principal Data Engineer, you will lead cross-functional data infrastructure efforts, design high-performance pipelines on Snowflake and AWS enable curated exports from SAP BW via S3, and support company-critical initiatives like banking partnerships and anti-money laundering systems. You will work closely with cloud infrastructure, Finance, Risk, Compliance, and Domain Engineering teams to shape the next stage of our cloud-native data strategy. Your Key Responsibilities: Define and drive the technical architecture of our cloud-native data platform, spanning AWS (S3, IAM, Glue, EC2), Snowflake, Kafka, SAP BW a nd dbt. Partner with business and data stakeholders (Finance, Risk, Product Engineering, Compliance, CSC) to design resilient, auditable, and reusable data flows that power reporting, analytics, and product use cases. Own the enablement of curated data sets from SAP BW via OpenHub to S3 and ensure traceability across ingestion, modeling, and exports. Define best practices in cost monitoring, FinOps, and CI/CD for data to ensure stability and performance at scale. Champion data as a product mindset—modeling, documentation, ownership, and quality metrics that enable real business decisions. Mentor senior engineers, act as technical reviewer, and help scale Ratepay’s data engineering maturity across use cases and domains. Engage with regulatory and audit needs, enabling data lineage, encryption, and Role Based Access Control (RBAC) in line with BaFin and GDPR expectations. That's What You Bring Along Extensive experience designing and scaling data warehousing platforms using technologies like Snowflake, AWS, dbt, Terraform, Airflow, Kafka and CI/CD tools. Proven ability to build modular, reusable pipelines with clear separation of concerns across R aw layer, Datalake, and Datamart. Familiarity with SAP BW and data extraction via OpenHub, or experience working with regulated ERP systems such as SAP FI and SAP BW. Knowledge of cloud architecture patterns, data lineage, and experience with governance in regulated industries. Experience in technical cooperation and alignment with third party technology vendors and Banking partners. Strong cross-functional communication skills, able to translate between technical engineering and business value. Background in mentoring, technical leadership, and driving architecture vision across multiple functional and technical Domains. Bonus: experience with FinTech, payment processing, or regulatory reporting an advantage. Why Join Us: Be part of mission-critical projects (e.g., Refinancing partnerships, A nti Money laundering ) that impact our financial and risk integrity. Take ownership of a platform used across departments, with end-to-end visibility from source to decision. Work with experienced engineers and stakeholders on cloud-native architecture with autonomy and purpose. Culture of technical ownership, business enablement, and low operational drag. 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.