Full-Stack Software Development Engineer (Python, Ruby)

About Us at GoCardless

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

We’re looking for engineers to join our growing team, where you’ll work on powering reliable payments and unlocking smarter payment experiences.

A key focus of this role is improving our Payments products by leveraging Open Banking Account Information Services (AIS). You’ll help enhance existing products while exploring new opportunities that can be a step-change in customer outcomes and user experience.

We endeavour to build simple, reliable and performant systems, and we believe in using the best technologies for each task. Joining the team, you’ll primarily work with: Python, Ruby on Rails, PostgreSQL, ReactJS,, BigQuery, Prometheus, Google Cloud..

Proficiency in all of these technologies is not a prerequisite. If you’re unsure, please apply.

What excites you

• Shipping meaningful improvements. You enjoy owning work end-to-end, taking ideas from discovery to delivery and seeing your changes make a measurable impact for customers.

• Building products that scale. You like solving problems where reliability, performance, and operational excellence matter.

• Using data to make better experiences. You’re excited by the potential to improve payments, reduce friction, and unlock smarter payment capabilities.

• Raising the technical bar. You care about clean design, maintainable architecture and you push for better ways of working as you learn.

• Working collaboratively. You thrive in teams that solve problems together, learn from each other, and make pragmatic decisions with shared ownership.

What excites us

• You can build and maintain Python and/or Ruby on Rails applications in production. You’re comfortable working across the stack and supporting services end-to-end.

• You can build modern frontend applications using JavaScript (ReactJS). You care about performance, usability, and writing clean, maintainable UI components.

• Understanding of backend technologies. You’re comfortable with Ruby on Rails, Python, Django, PostgreSQL, and designing/consuming REST APIs.

• Frontend foundations. You’re comfortable with JavaScript fundamentals (ES6+), CSS (e.g. grid, flexbox, custom properties), and modern browser patterns (e.g. event delegation); familiarity with web components is a plus.

• You adapt to new technologies and processes quickly. You can ramp up fast, work through ambiguity, and keep shipping impact.

• You enjoy solving problems and take initiative to find better solutions. You take ownership, dig into root causes, and improve systems over time.

• You enjoy solving problems. You are happy to take initiative to find better solutions.

Base salary range: 4000-6000 EUR gross monthly

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.

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 GeeCees 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 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 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 GoCardless 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 GoCardless

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 GoCardless via X, Instagram and LinkedIn.