About Us at Go Cardless

Go Cardless is a global bank payment company. Over100,000 businesses, from start-ups to household names, use Go Cardless to collect and send payments through direct debit, real-time payments and open banking.

Go Cardless processes US$130bn+of payments annually, across30+ 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 over2,500 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 Go Cardless, 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 Go Cardless' 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 Go Cardless doing similar work.

The Good Stuff!

• Wellbeing: Dedicated support and medical cover to keep you healthy.

• Work Away Scheme: Work from anywhere for up to 90 days in any 12-month period.

• Hybrid Working: Our hybrid model offers flexibility, with in-office days determined by your team.

• Equity: All permanently employed Gee Cees get equity to share in our success.

• Parental leave: Tailored leave to support your life's great adventure.

• Time off: Annual holiday leave based on your location, supplemented by 3 volunteer days and 4 wellness days.

Life at Go Cardless

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 make it happen, working with urgency and taking personal accountability for getting things done. 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. Our Values form part of the Go Cardless DNA, and are used to not only help us nurture and develop our culture, but to deliver impactful work that will help us to achieve our vision.

Diversity & Inclusion

We’re building the payment network of the future, and to achieve our goal, we need a diverse team with a range of perspectives and experiences. As of July 2024, here’s where we stand:

• 45% identify as women

• 23% identify as Black, Asian, Mixed, or Other

• 10% identify as LGBTQIA+

• 9% identify as neurodiverse

• 2% identify as disabled

If you want to learn more, you can read about our Employee Resource Groups and objectives here as well as our latest D&I Report

Sustainability at Go Cardless

We’re committed to reducing our environmental impact and leaving a sustainable world for future generations. As co-founders of the Tech Zero coalition, we’re working towards a climate-positive future. Check out our sustainability action plan here.

Find out more about Life at Go Cardless via X, Instagram and LinkedIn.