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Senior Software Development Engineer

GoCardless

GoCardless

Software Engineering
Lisbon, Portugal
Posted on Oct 27, 2025

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!

Engineering at GoCardless

The technical challenges of building GoCardless span from simplifying building banking schemes to optimising the time to render the dashboard.

You will enjoy being a software engineer at GoCardless if:

  • You’re looking to champion a great engineering culture within GC and in the wider engineering community;
  • You enjoy collaborating and learning from people from various backgrounds and experiences;
  • You want to feel proud of the work you’re doing and its impact on real customers.

Our engineers contribute to the engineering culture within and outside of GoCardless: they contribute to Open Source Software projects (see our Github), and share learnings in post-mortems, conferences and on our blog.

Our technologies: We endeavour to build simple, reliable systems and we believe in using the best technologies for each task. Technologies we use across GoCardless include: Ruby on Rails, Golang, Python, JavaScript, TypeScript, React, Postgres, BigQuery, Kubernetes, Elasticsearch, Prometheus, Google Cloud (GCP).

You’re not expected to have expertise in all these technologies. Members of our team have picked up the tools once they’ve started working with the team. If you’re unsure, please apply.

About Payer Proposition

We are a small, mighty and growing team that is responsible for developing GoCardless’ payer proposition, where we want to build and generate value from payer networks.

GoCardless is used by tens of millions of payers each year, but so far we have done little to engage and build a relationship with them. Most still use our services without knowing.

We want GoCardless to become the easiest, and most rewarding way for payers to pay. In turn we want to use the relationship we build with our payers to enhance our service for our merchants. This means you’ll be exploring areas as varied as whether we can improve our paying experience, to whether we should offer rewards and incentives for paying with GoCardless.

This is a greenfield area for GoCardless, and will involve a high level of ambiguity, experimentation and cross-functional collaboration as we go on this journey to make GoCardless the easiest and most preferred way to pay.

What excites you

  • You are passionate about building and improving products by experimenting, prototyping, and applying an iterative and data-driven approach to validate ideas and learn.
  • You are comfortable with ambiguity. This is a greenfield area for GoCardless and you will be joining us in the early stages of our journey!
  • You are excited by the idea of solving problems and building products for our payers.
  • You thrive in a cross functional and collaborative environment and believe the best products are built through collaboration.
  • You are someone who embodies leadership, personal accountability and ownership, eagerly taking on problems and solving them with creativity and dedication.

What excites us

  • You have experience building web products and services, including experience working with front-end technologies (Typescript/JavaScript/React) and you have some experience with Ruby on the back-end.
  • You adapt to new technologies and processes quickly.
  • You have a customer and product centric mindset, and are excited to deliver features to transform the payer experience.
  • You are data-driven and analytical.
  • You are enthusiastic about working in a strong culture of rapid experimentation, testing and peer review - in search of building value to payers, merchants and to GC.
  • You effectively collaborate with other engineering teams and business stakeholders.
  • You are a role model for the team, sharing your knowledge and experience.
  • You have a proven track record in mentoring and supporting other engineers.
  • You take the lead in pushing projects forward and raising the whole team up.
  • You are working at the competencies levels expected of a Senior Engineer.

Please note, this role is initially being offered through an Employer of Record (EOR), our standard benefits package will be available upon transition to direct employment.

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: Generous holidays, 3 volunteer days, and 4 wellness days annually.

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.