Tech Lead (Payments & Cards) | YAPEAL

Who are we?

We're Bee Talents, an IT recruitment agency that has been helping clients from all around the world in building their technical teams since 2015. Today, we would like to invite you to participate in the recruitment process for YAPEAL, a Swiss fintech operating in the payments and embedded finance space.

YAPEAL is a regulated fintech with a FINMA banking licence, building modern financial infrastructure for companies that want to embed financial services into their products (embedded finance), as well as offering direct banking-like services for individuals and businesses. The company has been on the market for around 8 years and has evolved from retail-focused solutions into a API-first platform for payments, cards, onboarding and real-time financial services.

Now, we are looking for a Tech Lead (Payments & Cards) who will take ownership of the technical direction of card and payment systems and actively contribute hands-on to building and scaling them.

What they can offer you:

🎯 Role: Tech Lead Backe⏱ Working hours: flexible (EU timezone)👩‍💻 Working mode: fully remote (EU)📍 Office location: Switzerland (team distributed)🇬🇧 Speaking language: English (C1 level required)

The biggest challenge in this role:

You’ll be responsible for designing and evolving core card and payment systems, including real-time transaction processing, authorization, settlement and partner integrations, while still staying hands-on in code (Go) and technical decision-making.

Your responsibilities::
• Defining technical direction for card and payment products in collaboration with Product and partners

• Designing and building card issuance, authorization and settlement systems (credit, debit, prepaid)

• Owning real-time transaction processing flows and system reliability

• Leading architecture decisions in distributed, API-first systems

• Managing and developing integrations with card processors, VISA networks and KYC providers

• Translating business requirements into pragmatic technical solutions

• Acting as a bridge between business and engineering, removing blockers and driving clarity

• Staying hands-on in Go development and actively contributing to production systems

• Ensuring scalability, security and performance of financial infrastructure

What you’ll need?:
• Strong experience in fintech / payments / card systems

• Hands-on experience with Go

• Background in distributed systems and API-first architectures

• Experience with real-time transaction processing or similar high-reliability systems

• Familiarity with cloud environments (preferably Google Cloud)

• Understanding of card lifecycle: authorization, clearing, settlement

• Strong problem-solving mindset and pragmatic approach to engineering decision

What you’ll get? :
• Real technical ownership over payment and card infrastructure

• Opportunity to work in a licensed fintech (FINMA regulated)

• High autonomy and no heavy corporate bureaucracy

• Direct impact on core financial products used by real customers

• Small, senior team (~15 engineers) with strong engineering culture

Sounds interesting? Let’s talk! :)

PS There will be 3 stages of the recruitment process (Recruiter screening, Hiring Manager meeting, Technical meeting, Final/Culture fit meeting).

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