---
title: 'Senior Software Engineer (Payments) (f/m/d) at Billie'
canonical: 'https://feeny.ai/job/senior-software-engineer-payments-f-m-d-billie-berlin-2y0ysx9853ne'
type: 'job'
last_seen: '2026-10-30'
---

# Senior Software Engineer (Payments) (f/m/d) at Billie

- **Company:** Billie
- **Location:** Berlin, Germany
- **Employment:** full-time
- **Work type:** hybrid
- **Posted:** 2026-10-29
- **Last confirmed live:** 2026-10-30
- **Apply:** https://jobs.ashbyhq.com/billie/2061a57a-d5af-4ae3-b364-6ff24628fb5e

## Job description

We are Billie, the leading provider of Buy Now, Pay Later (BNPL) payment methods for businesses, offering B2B companies innovative digital payment services and modern checkout solutions. We are to create a new standard for business payments and have made it our mission to simplify the purchasing experience for all businesses making it a tool for growth. Our solutions are based on proprietary, machine-learning-supported risk models, fully digitized processes and a highly scalable tech platform. This makes us a deep-tech company building financial products, not the other way around. We love building simple and elegant solutions and we strive for automation and scalability. About the role: Billie is cracking the B2B finance world, and we are looking for a Senior Software Engineer for the Payments domain. The Payments domain handles the complex flows of identifying, allocating, and tracking money as it moves between merchants, buyers, investors, and Billie itself. We integrate with banks, generate payment instructions, and process bank statements. Our teams have a high degree of autonomy and make their own decisions about how to meet customers' needs.

In this role, you will:

- Design, develop, test, deploy, maintain, and improve the software your team owns, from new features to evolving existing services.
- Understand, modify, and debug complex business flows across existing Kotlin and PHP systems, take part in incident response, and own RCA follow-ups.
- Work with the Staff Engineer and the architecture group to turn the target architecture into incremental, well-scoped plans, and deliver them.
- Write technical specifications for new features, covering the problem, the options, the trade-offs, the chosen design, and testing and rollout. Break them down into detailed tickets the team can deliver, and review specs written by others.
- Use AI agentic coding tools in your daily work to explore code, draft implementations, write tests, and review changes, while staying fully accountable for what ships. Help the team use them well by sharing workflows, writing good context for agents, and contributing to Billie's shared AI skills.
- Review code, mentor less experienced engineers, and unblock teammates so the whole team moves faster.
- Represent your team with stakeholders to drive decisions, and help with interviewing.

We expect a significant part of your daily work to be hands-on coding.

What you’ll gain:

- Deep domain expertise in B2B payments. You’ll work on real money flows: bank integrations, payment instructions, statement processing, and allocation logic. Few engineers get to see this domain up close.
- Real ownership and autonomy. Our teams decide how to meet customers’ needs and run what they build, so your work has a direct, visible impact.
- A front-row seat in AI-assisted engineering. You’ll work with agentic coding tools and spec-driven development every day, and help shape how Billie uses them through internal workshops and our shared AI skills.
- Room to grow. We expect and support continuous professional development, with a clear path toward Staff-level responsibilities if that’s where you want to go.

Who we are looking for:

- You have solid practical engineering experience (5+ years).
- You have proven experience putting Kotlin (ideally) or Java-based solutions built on Spring into production.
- You have experience building and running microservices in cloud-based environments with high availability and reliability targets.
- You have hands-on experience with AI agentic coding tools and spec-driven development on production work. You know when to trust their output and when to challenge it, and you write specs other engineers can build from.
- You can argue for and against architectural decisions using clear trade-off analysis, and you hold strong opinions loosely.
- You have worked in a product-focused environment.
- You have a keen interest in understanding the world of business finance and how money moves between companies, banks, and investors.
- You have worked with TDD, pair or mob programming, and continuous delivery.
- You communicate clearly with technical and non-technical audiences and enjoy building solutions with engineers, product managers, and stakeholders.
- You are committed to continuous learning and keep up with the technology landscape, bringing ideas the team could use.
- Experience with Apache Kafka, Flink, Beam, stream processing, or reactive streams is a plus.

We use domain-driven design to give our teams focus, so we expect a good working understanding of it. We work with OKRs aligned to business goals and follow a "you build it, you run it" approach, so you'll own the security, reliability, and scalability of what your team ships.

What We Offer:

- Challenging and impactful work that drives personal and professional growth
- One of the best Virtual Shares Incentive Programs in the market, so that everyone at Billie is invested in our success
- Flexible work hours and trust in your ability to deliver, empowering you to take control of your work-life balance
- A hybrid working approach that allows you to work from home for up to 3 days per week
- Enjoy 30 days vacation per year, sabbatical opportunities, and extra child sickness leave for parents.
- Our “Catch a Ride with Billie” program that enables discounted access to Berlin Public Transport (BVG), Deutschland-Ticket, OR JobRad
- An annual development budget to broaden your skill set and horizons
- Free German group classes
- An English-speaking, multicultural team with more than 40 nationalities
- Building meaningful connections with your colleagues through company and team events, interest groups, the Billie run club, game nights, and more, powered by our Formula Fun Team!

Billie is an equal opportunity employer and we do not discriminate on the basis of race, color, religion, sexual orientation, gender identity or expression, national origin, age, disability, or any other protected characteristic. We are committed to creating an inclusive environment where everyone feels they belong. All qualified applicants are welcome and we especially encourage you to apply, even if you don't check every box in the job description. For information about data processing see our " [Recruiting Privacy Policy and further information"](https://www.billie.io/en/candidate-information) : https://www.billie.io/en/candidate-information

## About Billie

## Company Overview
- **One-liner**: Billie provides B2B Buy Now, Pay Later (BNPL) payment methods and digital payment services, enabling businesses to pay and get paid on their own terms.
- **Entity Type**: Private (Series C)
- **Headquarters**: Berlin, Germany
- **Founded**: 2016
- **Founders**: Dr. Matthias Knecht, and other co-founders (former founders of Zencap, which exited to Funding Circle)

## Core Business
- **Primary industry**: Financial Technology (Fintech) – B2B payments and working capital solutions.
- **Target customers**: B2B businesses of all sizes (SMB to enterprise) that need flexible payment terms for their purchases.
- **Mission**: To create a new standard for business purchasing.

## Products & Services
- **Buy Now, Pay Later (BNPL) for Business**: A checkout solution that lets business buyers pay later, while sellers get fast liquidity. Fully digitized, with machine-learning-based risk models.
- **Risk Management Platform**: Data-driven tools for merchants to assess and manage credit risk on B2B transactions.

## Market Standing
- **Valuation/Market Cap**: Not disclosed (private company)
- **Key Metric**: Total funding of $357.3M (across seed, Series A, B, C, and debt financing). Latest round: $200M debt financing in October 2021 led by Vereinigte Volksbank Raiffeisenbank, alongside $100.1M Series C led by Dawn Capital.
- **Annual Revenue**: Estimated $18M (based on third-party data, may not be official).
- **Notable Investors/Partners**: Dawn Capital, Tencent, Creandum, Picus, SpeedInvest, Hedosophia.
- **Growth Signals**: 
  - Served over 1 million registered business buyers (announced January 2026).
  - Integrated with Commerce (2025) to offer BNPL across 12 European markets.
  - 130+ employees from 40+ nationalities (career page); Built In reports 155 total employees.
  - LinkedIn shows 19,728 followers (+11.8% yearly growth).

## Competitive Advantages
- Proprietary machine-learning risk models purpose-built for B2B transactions (reducing fraud and default risk).
- Fully digitized, automated processes and a highly scalable tech platform.
- Founders’ prior success (Zencap exit to Funding Circle) and deep fintech expertise.
- Strong investor base with global fintech leaders (Tencent, Dawn Capital, Creandum).

## Strategic Focus
- Expand B2B e-commerce integrations across Europe (already live in 12 markets).
- Continue to invest in data-driven risk management to sustainably grow the buyer base.
- Scale the platform to serve larger enterprise clients and new geographies.

## Why Work Here
- **Culture**: Fast-growing European fintech with a mission-driven environment. Emphasis on personal growth, internationality, and collaboration.
- **Hybrid Work**: Twice a week in the Berlin office; flexible arrangements.
- **Perks**:
  - €1,000 annual learning & development budget.
  - 30 days holiday + 5 paid days for child sickness.
  - Relocation bonus for new hires moving to Berlin.
  - Free German classes (multiple levels).
  - Travel reimbursement / subsidy for public transport (BVG/Deutschland-Ticket) or JobRad.
  - Free gym access, weekly yoga, healthy snacks, drinks.
  - Virtual share incentive program.
- **Engineering Stack**: PHP (Symfony), Java/Kotlin (SpringBoot), Python, JavaScript (React), TypeScript, REST, RabbitMQ, GraphQL, AWS, MySQL, Snowflake.
- **Team**: 130+ employees from 40+ nationalities, average rating 4.0/5.0 on employer review platforms (93 reviews) – Work-Life 4.2, Culture 3.9, Career 3.7.

## Sources
1. [Billie Careers Page](https://www.billie.io/en/jobs)
2. [Built In - Billie Profile](https://builtin.com/company/billie-billieio)
3. [LinkedIn - Billie Company Page](https://de.linkedin.com/company/billie.io)
4. [Craft.co - Billie.io Overview](https://craft.co/billie-io)
5. [The Org - Billie Org Chart](https://theorg.com/org/billie-io)

## Other roles at Billie

- [Working Student Sales (m/f/d)](https://feeny.ai/job/working-student-sales-m-f-d-billie-berlin-490m7ctdzg9s) — Berlin, Germany
- [Compliance Expert and Deputy MLRO (w/m/d)](https://feeny.ai/job/compliance-expert-and-deputy-mlro-w-m-d-billie-berlin-2kd2yp0903c5) — Berlin, Germany