---
title: 'Senior Software Engineer - Backend - Card & Transaction Platform *EU/UK remote* (m/f/d) at Pliant'
canonical: 'https://feeny.ai/job/senior-software-engineer-backend-card-transaction-platform-eu-uk-remote-m-f-d-ekzh2a8tpac4'
type: 'job'
last_seen: '2026-09-09'
---

# Senior Software Engineer - Backend - Card & Transaction Platform *EU/UK remote* (m/f/d) at Pliant

- **Company:** Pliant
- **Location:** Remote
- **Employment:** full-time
- **Work type:** remote
- **Posted:** 2026-08-14
- **Last confirmed live:** 2026-09-09
- **Apply:** https://jobs.ashbyhq.com/pliant/0e0200a8-b522-4faf-9be7-ac6565d99e98

## Job description

## ABOUT US

Pliant is a European fintech specializing in B2B payment solutions. Our modular, API-first platform helps businesses streamline spending, improve cash flow, and integrate payments into their financial workflows. Designed for industries with complex payment needs, such as travel and fleet, Pliant enables greater efficiency, control, and profitability.

We serve two primary customer segments:

- Companies looking to optimize operational processes through intuitive apps and APIs, gaining control, automation, and financial flexibility through extended credit lines.
- Businesses such as financial software platforms, ERP providers, and banks that want to launch or enhance their credit card offerings using Pliant's embedded finance and white-label solutions.

Founded in 2020 and headquartered in Berlin, Pliant supports over 4,000 businesses and more than 20 partners globally. As a licensed e-money institution (EMI), we issue credit cards in 11 currencies across more than 30 countries, helping companies streamline and simplify payments.

Learn more at www.getpliant.com http://www.getpliant.com

## ABOUT THE ROLE

The Card & Transaction Platform team keeps Pliant's most critical backend flows running: card issuance and transaction processing. The team holds itself to a high availability bar, getting there through solid engineering and a no-blame culture rather than heroics. With a fast-growing customer base and rising request volumes, this role is for an experienced backend engineer who anticipates problems and prevents them, building and shipping new product features on Java/Spring Boot microservices just as much as keeping them fast and reliable.

## WHAT YOU'LL DO

- Define, measure, and improve SLOs/SLAs and error budgets for critical services.
- Help evolve and scale the platform to keep pace with a growing customer base and rising request volumes.
- Stay ahead of problems: spot weak points, risky patterns, and capacity limits early and address them before they affect customers.
- Share in a fair, well-compensated 24/7 on-call rotation and help lead incident response, from mitigation to blameless postmortem and follow-through.
- Own observability across dashboards, alerting, tracing, and logging (we use Datadog), and drive performance improvements across latency-sensitive paths.
- Design, build, and ship new product features end-to-end across Java/Spring Boot microservices, from API design through to rollout.
- Balance feature delivery with continuous improvement, collaborating with product and other engineering teams to turn requirements into reliable, well-tested services.

## WHAT YOU'LL BRING

- 5+ years of experience building and operating modern distributed backend services on a Java/Spring Boot stack, with AWS cloud services, Kafka, and PostgreSQL.
- A track record with high-availability systems where reliability genuinely matters, including experience scaling systems under growing load.
- Fluency with a modern observability stack and solid SLO/SLA thinking.
- A proactive, ownership mindset: you look for the next problem before it happens rather than waiting for the alert.
- Comfortable owning features end-to-end, from design and implementation through testing and delivery.
- Hands-on, proven experience using AI effectively as an engineering tool, not a substitute for engineering judgment.

Nice to have (genuinely optional, please don't self-select out):

- Payments, card issuing, or transaction processing domain experience.
- Experience with PCI DSS certification or operating in a PCI DSS environment.
- Exposure to fraud detection or prevention.
- Experience with chaos/resilience testing, capacity planning, or load testing.
- Hands-on experience implementing safe deployment practices such as canary deployments, blue/green, or progressive rollouts.

## WHAT WE OFFER

- The opportunity to work in a growing team with big responsibilities that thrives on a strong exchange of knowledge and excellence
- Attractive remuneration
- Your choice of preferred OS, Windows or Mac
- Flat hierarchy and transparent communication in a relaxed, professional atmosphere
- Opportunity to develop your talent in a dynamic team with ambitious goals
- Flexibility and possibility to work remotely
- Pliant Card with monthly credit to explore the product and enjoy food with colleagues

Pliant is an equal opportunity employer. We welcome applications from people of all backgrounds, identities and abilities, and are committed to an inclusive hiring process. If you need any accommodations during the interview process, please let us know.

## About Pliant

## Company Overview
- **One-liner**: Pliant provides an API-first, modular B2B credit card platform that enables businesses to issue, manage, and track physical and virtual credit cards while streamlining payment processes and spend controls.
- **Entity Type**: Private (growth stage, backed by multiple venture capital investors)
- **Headquarters**: Berlin, Germany
- **Founded**: 2020
- **Founders**: Malte Rau and Fabian Terner

## Core Business
- **Primary industry**: Fintech – B2B payments, spend management, and card issuance.
- **Target customers**: B2B – businesses of all sizes (SMB to enterprise), banks and financial institutions (via CaaS/BaaS), and developers/API users.
- **Mission or purpose statement**: "Empower companies to grow by providing a smart way to pay that scales with their business." [getpliant.com](https://www.getpliant.com/en-us/about-pliant)

## Products & Services
- **Payment Apps**: Ready-to-use mobile and web applications for issuing cards, managing spend, tracking transactions, and integrating with accounting tools. Ideal for companies that want a full-featured solution out of the box.
- **Pro API**: A fully customizable API for businesses that need to issue cards at scale, automate workflows, and build custom integrations into their finance stack. Supports single-use virtual cards, spend controls, and real-time monitoring.
- **CaaS & BaaS (Card-as-a-Service & Banking-as-a-Service)**: White-label solutions for banks and fintechs to launch their own branded credit card programs, with Pliant handling compliance, card issuance, and processing under its e-money license.
- **Card & Spend OS**: The underlying operating system that powers all products, offering spend control, receipt management, accounting automation, and transaction insights.

## Market Standing
- **Valuation/Market Cap**: Not publicly available.
- **Key Metric**: Total funding amount not publicly disclosed; notable investors include **Alstin Capital**, **Motive Ventures**, **Speedinvest**, **SBI Investment**, **PayPal Ventures**, and **Illuminate Financial**. [getpliant.com](https://www.getpliant.com/en-us/about-pliant)
- **Notable Investors/Partners**: PayPal Ventures, Speedinvest, Alstin Capital, Motive Ventures, SBI Investment, Illuminate Financial.
- **Growth Signals**: 
  - Team of 250+ employees representing 35+ nationalities. [getpliant.com](https://www.getpliant.com/en/careers)
  - Offices in Berlin (HQ), London, New York, Paris, Munich, Vienna, Lisbon, and Helsinki. [getpliant.com](https://www.getpliant.com/en-us/about-pliant)
  - Licensed as an e-money institution (EMI) in the EU and certified ISO/IEC 27001:2022 and PCI DSS. [getpliant.com](https://www.getpliant.com/en)
  - High Glassdoor rating of 4.6/5 (as of Nov 2024). [getpliant.com](https://www.getpliant.com/en/careers)

## Competitive Advantages
- **API-first platform**: Fully programmable card issuance and spend management, enabling deep customization and automation for enterprises and developers.
- **Regulatory moat**: Holds an e-money license and multiple security certifications (ISO 27001, PCI DSS), making it a trusted partner for banks and regulated institutions.
- **Multi-product flexibility**: Offers everything from out-of-the-box apps to white-label CaaS/BaaS, covering a wide range of customer needs in one platform.
- **Real-time data & insights**: Provides granular transaction monitoring, customizable reporting, and seamless integration with accounting and ERP systems.

## Strategic Focus
- Expand geographically (already present across Europe and the US) and deepen partnerships with banks and fintechs through CaaS offerings.
- Continue enhancing the Pro API and automation capabilities to serve high-volume enterprise clients.
- Strengthen compliance and security infrastructure to maintain regulatory advantages.
- Grow headcount across engineering, sales, and data teams to support scaling.

## Why Work Here
- **Culture & values**: Emphasizes agility, kindness, openness, and having fun. Mission-driven team with a flat structure and collaborative environment. [getpliant.com](https://www.getpliant.com/en/careers)
- **Remote/hybrid policy**: Offers home office and remote work opportunities (many roles listed as *EU/UK remote*), plus flexible working hours. [getpliant.com](https://www.getpliant.com/en/careers)
- **Perks**: Learning & development budget, monthly lunch benefit, mobility perk, Bahncard, Wellhub membership, and regular team events.
- **Engineering culture**: 11 cross-functional teams, with visible investment in data, engineering, and product roles. Technology stack includes modern API-first development.
- **Glassdoor rating**: 4.6/5 (as of Nov 2024) – indicative of high employee satisfaction.

## Sources
1. [getpliant.com - Main site](https://www.getpliant.com/en)
2. [getpliant.com - About page](https://www.getpliant.com/en-us/about-pliant)
3. [getpliant.com - Careers page](https://www.getpliant.com/en/careers)
4. [linkedin.com - Pliant company page](https://www.linkedin.com/company/getpliant)
5. [getpliant.com - Careers (alternate)](https://www.getpliant.com/en-us/careers)

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