Backend Engineer - Customer Risk Lifecycle
N26 is a 100% mobile bank based in Berlin, Germany, offering banking, saving, and investing all in one app. It serves millions of retail customers across 24 European markets, providing free and premium bank accounts, savings products, and investment options.
Projects
About N26
N26 is Germany's first fully mobile bank, holding a full banking license from BaFin (the German Federal Financial Supervisory Authority). It offers a range of personal banking products including free and paid current accounts (Standard, Smart, Go, and Metal plans), virtual and physical Mastercards, joint accounts, and accounts for minors under 18. Customers can also access Instant Savings accounts with interest rates varying by plan, and a flexible cash fund investment product managed by Fidelity International offering variable returns. Through a partnership with Upvest Securities GmbH, N26 enables customers to invest in over 5,000 stocks, ETFs, and ready-made funds directly within the app, with savings plans starting from €1. The N26 Go and Metal plans also include travel-focused benefits such as cashback, favorable exchange rates, airport lounge access, and free ATM withdrawals abroad. N26 operates in 24 markets worldwide, serves over 8 million customers, and protects deposits up to €100,000 under the German Deposit Protection Scheme. Its typical clients are individual retail banking customers seeking simple, mobile-first banking, saving, and investing solutions.
Skills
About the Role
You will join expanding teams in Barcelona and evolve N26's product, powered by a microservice architecture predominantly written in Kotlin using Spring Boot. You will work within cross-functional teams that are passionate about collaboration and knowledge sharing, and you will have a high degree of autonomy. You will be encouraged to embrace the latest technological updates and given a platform to work on complex, interesting problems on a daily basis.
Requirements
- Experience in developing software using a JVM language and Spring Boot in large-scale production systems (Kotlin experience is a plus)
- Sound understanding of microservice architecture
- Knowledge of both relational and non-relational databases, preferably Postgres
- Deep knowledge of both relational and non-relational databases, preferably Postgres
- Appreciation of working in a modern cloud architecture, preferably with AWS
- Full professional proficiency in English
- Highly motivated and not afraid of getting things done
- Ongoing appreciation and consideration for security
- Motivation to write code which is well-tested and well-documented
- Give and receive open, direct and timely feedback
Responsibilities
- Design, develop, test, deploy and maintain software in a thriving environment
- Manage individual project priorities and deliverables whilst working in a team that enjoys knowledge sharing sessions
- Stay up to date with the latest trends in technology and propose findings during GSDD sessions
- Work within your cross-functional team to uphold the highest technical standards across the product
Benefits
- Competitive personal development budget
- Work from home budget
- Discounts to fitness & wellness memberships
- Discounts on language apps
- Discounts on public transportation
- Premium subscription on personal N26 bank account, including subscriptions for friends and family
- Additional day of annual leave for each year of service
- Relocation package with visa support