---
title: 'Senior Software Engineer (Lending Team) at SumUp'
canonical: 'https://feeny.ai/job/senior-software-engineer-lending-team-sumup-sao-paulo-84yctwtetrw9'
type: 'job'
last_seen: '2026-11-10'
---

# Senior Software Engineer (Lending Team) at SumUp

- **Company:** SumUp
- **Location:** São Paulo, Brazil
- **Posted:** 2026-09-01
- **Last confirmed live:** 2026-11-10
- **Apply:** https://sumup.com/careers/positions/8769169002?gh_jid=8769169002

## Job description

At SumUp, we believe small merchants are the heartbeat of our communities. By joining the Lending tribe, you'll help launch a new financing product designed for the roughly 50 million registered and informal sole traders in Brazil who currently can't access affordable credit.

As a Senior Software Engineer, you'll be the technical anchor of a brand new squad, operating with real autonomy. This is a role for someone who's energised by ambiguity, comfortable owning hard decisions without a playbook to follow, and excited to help shape a lending product from the ground up in a fast-moving, regulated market.

## What you'll do

- Build the onboarding journey: Design and build the onboarding experience for non SumUp customers, including KYC and Open Finance account and income data integration
- Own the repayment integration: Lead the technical relationship with our Open Finance partner alongside the Bank squad
- Deliver the product end to end: Build the core lending product experience, from credit assessment through to servicing and collections
- Power the credit decisioning: Connect Open Finance data to underwriting models to support fast, reliable credit decisions
- Set the technical direction: Make high impact architecture calls with minimal guidance, and coach mid level and entry level engineers
- Navigate the regulatory landscape: Partner closely with the Bank squad, Compliance, and our Open Finance external integration partner on Open Finance requirements in Brazil

What makes you a great fit

- Have experience designing and owning complex distributed systems end to end, ideally backed by around 6 years in software engineering
- Have strong knowledge of Open Finance or Open Banking integrations, gained from working inside a bank, fintech, or another regulated financial product
- Feel comfortable working in Golang on backend systems, with the flexibility to work confidently in another language such as Java, Kotlin, Python, or Ruby
- Can identify gaps and ambiguity early, weigh up tradeoffs, and drive decisions without waiting for perfect information
- Shares excitement about building a new product from scratch and exploring unfamiliar territory rather than maintaining something established

## Why you should join SumUp

🌍 Global Experience: Collaborate with a diverse team of 3,000+ people from over 90 countries, and join our global off-sites and hackathons.

🤝 Collaborative Culture: Join a team that values diversity, innovation, and teamwork, where your ideas and contributions truly matter.

📈 Career Growth: Be part of a global team working on large-scale fintech products used by millions of businesses.

💙 Great Benefits: Health plans, meal vouchers (VR), Zenklub, Wellhub, life insurance, childcare allowance, and more.

📚 Learning & Development: Access an annual budget of R$ 10,000 for education, certifications, and conferences.

🌴 Time Off: Enjoy 30 additional days off through our Break4Me program after 3 years at SumUp.

💸 Grow with Us: Participate in our virtual stock program and benefit from SumUp’s success with company shares.

Learn More About SumUp 🇧🇷 [Office tour at São Paulo](https://www.youtube.com/watch?v=8LwAYCUtfXQ)

💡 [Ask me anything: Engineering at SumUp](https://www.youtube.com/watch?v=7m8wlYCwlO4)

🚀[SumUp’s Innovation Hackathon](https://www.linkedin.com/posts/sumup_insidesumup-innovation-hackathon-activity-7245403147458752513-0PD7?utm_source=share&utm_medium=member_desktop)

🤝[Get to know our hiring process](https://www.sumup.com/careers/how-we-hire/)

Ready to Join us? Apply now and help us shape the future of financial solutions for small businesses

Job Application Tip

We recognise that candidates feel they need to meet 100% of the job criteria in order to apply for a job. Please note that this is only a guide. If you don’t tick every box, it’s ok too because it means you have room to learn and develop your career at SumUp.

## About SumUp

## Company Overview
- **One-liner**: SumUp is a global fintech company that provides simple, affordable payment and financial management tools to help small businesses start, run, and grow.
- **Entity Type**: Private (Funding stage not publicly available)
- **Headquarters**: London, United Kingdom
- **Founded**: 2012
- **Founders**: Not specified in provided sources

## Core Business
- **Primary industry**: Financial Services / Fintech (Payments)
- **Target customers**: Small and medium-sized businesses (SMBs), B2B
- **Mission or purpose statement**: "Empower small businesses all over the world." — with the vision of "a world where everyone can build a thriving business."

## Products & Services
- **Payment Processing (Card Readers & POS)**: Hardware and software solutions for in-person and online payments, enabling merchants to accept card and contactless payments.
- **SumUp Business Account**: A digital business account for managing finances and transactions.
- **Invoicing & Customer Relationship Tools**: Tools to create invoices, manage customers, and streamline operations.

## Market Standing
- **Valuation/Market Cap**: Not disclosed (private company)
- **Key Metric**: Over 4 million merchants served across 37 markets; 3,000+ employees from more than 90 nationalities
- **Notable Investors/Partners**: Not listed in provided sources
- **Growth Signals**: Headcount growth to 3,000+; recognition as a Top Global Employer for inclusion (Stonewall Workplace Equality Index 2022/2023) and Fintech Diversity Initiative of the Year (2025); expansion across 4 continents with 20+ offices.

## Competitive Advantages
- **Global reach**: Operating in 37 markets with localized products and support.
- **Merchant focus**: Deep commitment to small business owners, with products designed specifically for their needs.
- **Inclusive culture**: Strong diversity and inclusion programs, gender parity in workforce, and employee-led communities (e.g., Pride Club).
- **Autonomous teams**: Small, empowered teams with servant leadership, fostering innovation and speed.

## Strategic Focus
- Expanding product and service portfolio to become a complete financial partner for small businesses.
- Continuing to invest in a learning culture (SumUp University) and employee development.
- Maintaining an office-first culture while enabling occasional remote work to balance collaboration and flexibility.
- Growing market presence by entering new geographies and deepening existing ones.

## Why Work Here
- **Culture**: Office-first company that values human connection, autonomy, and continuous learning. Core values include Team First, We Care, and Founder’s Mentality.
- **Remote/Hybrid policy**: Office-first with the ability to work remotely occasionally, as agreed with teams.
- **Benefits**: Relocation support for overseas hires, dedicated budget for conferences and external training, and location-specific perks.
- **Engineering culture**: Autonomous teams, servant leadership, and a focus on pragmatic, self-driven problem-solving.
- **Inclusion**: Recognized as a Top Global Employer for inclusion; active LGBTQ+ community and gender parity initiatives.
- **Hiring process**: Transparent, with recruiter screening, hiring manager interview, technical assessment, team interview, bar raiser, and final offer.

## Sources
1. [sumup.com](https://www.sumup.com/careers/)
2. [linkedin.com](https://www.linkedin.com/company/sumup)
3. [sumup.com](https://www.sumup.com/careers/culture/)
4. [sumup.com](https://www.sumup.com/careers/positions/)
5. [sumup.com](https://www.sumup.com/careers/how-we-hire/)

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