Backend Engineer Account Sharing

We are looking for a Backend Engineer to join the Account Sharing team within Wises Consumer Squad. The team is focused on building entirely new products in the shared finances space for consumers including international joint accounts and kid accounts.

Our mission is to make it easy for families couples friends and flatmates across different countries to manage money together seamlessly through Wise. Unlike most existing solutions that are limited to domestic markets we are building shared financial experiences that work globally.

This is a highly product-oriented engineering role where youll help shape products from the ground up. Youll work closely with Product Managers Designers Data Analysts and User Researchers to deeply understand customer problems and turn ambiguous ideas into scalable financial products used by millions of customers worldwide.

How we work

For everything we build we keep our customers at the center of decision-making. We prioritize work based on customer research behavioral data and direct feedback and we iterate quickly based on what we learn.

The Account Sharing team operates as a highly collaborative cross-functional product team. Engineers are not expected to simply implement tickets they are expected to contribute to product direction challenge assumptions influence technical strategy and help shape the customer experience.

The environment is greenfield and fast-moving. Requirements evolve quickly and engineers are encouraged to take ownership drive discussions and work closely with stakeholders across engineering product design and research.

At Wise we believe in autonomous teams where everyone contributes ideas takes ownership and helps define priorities together.

Impact

Your work will directly shape the future of shared finances at Wise.

Youll help build products that allow families couples flatmates and friends across different countries to manage money together in ways that existing financial products often cannot support today.

The systems and experiences you build will need to scale globally support millions of customers and navigate the complexities of international compliance regulation and financial infrastructure.

This role offers the opportunity to influence both technical architecture and product direction while helping Wise expand into a strategically important area of consumer finance.

What will you be working on

Key focus areas for the team are:

• Building international joint accounts for globally distributed users

• Expanding Wise kid accounts into additional markets

• Creating shared finance experiences that work across borders

• Designing scalable backend systems for high-growth consumer products

• Developing features around shared spending sending/receiving money and account customization

• Collaborating on customer discovery and product iteration

• Scaling infrastructure and improving reliability across multiple markets

• Building greenfield financial products from concept to production

Youll also have opportunities to work across multiple areas of the Wise ecosystem including:

• Send/receive money flows

• Spend experiences

• Authorization systems

• FinCrime-related systems

• Shared account infrastructure

What do you need

• You know how to build scalable distributed systems and deliver customer-facing products used by millions of users.

• You are proficient in backend programming languages such as Java Kotlin Python or Go.

• You have strong experience designing asynchronous reliable and scalable systems within microservice architectures.

• You are comfortable working in greenfield environments where requirements evolve rapidly and ambiguity is part of the process.

• You have a strong product mindset and enjoy collaborating closely with Product Managers Designers Analysts and Researchers to shape solutions not just implement them.

• You care deeply about customer experience and understand how technical decisions impact end users.

• You are comfortable contributing to architectural discussions challenging assumptions and influencing technical and product direction.

• You write clean maintainable well-tested code and care about long-term scalability and reliability.

• You are a strong communicator who can explain complex technical concepts clearly and collaborate effectively across teams.

• You are comfortable operating independently while also contributing to a collaborative team culture.

Nice to have

• Experience building greenfield products from scratch

• Experience working on international consumer products

• Experience with payments financial systems or compliance-heavy environments

• Experience building systems at global scale

• Familiarity with event-driven architecture and messaging systems such as Kafka

• Experience with customer-facing financial products

• API-first development experience

Interested Find out more:

• How we work a practical guide

• DEI @ Wise

• Wise Tech Stack (2025 update)

• See what its like to work at Wise London!

• Our Engineering career map

Wise Engineering do we offer: 

• Starting salary: 87500 - 111k RSUs

• Wise Benefits

#LI-AB3 #LI-Hybrid

Additional Information :

Team Overview

The Account Sharing team sits within Wises Consumer Squad and operates as a highly cross-functional product team.

Team composition:

• 4 Engineers

• 1 Tech Lead

• 1 Product Manager

• 1 Designer

• 1 Data Analyst

• 1 User Researcher

Youll work closely with:

• Okan (Tech Lead)

• Yuval (Product Manager)

• Core engineering team

• Product design analytics and research stakeholders

The team works closely together on product discovery customer research and iterative feature development.

Why join this team

• Opportunity to build entirely new products from scratch

• Strong product ownership and influence over feature direction

• Direct exposure to customer interviews and user research

• Ability to solve genuine international financial problems

• Highly collaborative engineering product and design culture

• Product-focused environment rather than ticket-driven development

• Opportunity to work on meaningful products you may personally use yourself

• Exposure to multiple domains across Wises financial ecosystem

Challenges youll tackle

• Navigating ambiguity in greenfield product development

• Designing systems for international regulatory and compliance requirements

• Balancing scalability with rapid iteration

• Building experiences that work across multiple countries and markets

• Scaling early-stage products into globally distributed systems used by millions of customers

For everyone everywhere. Were people building money without borders  without judgement or prejudice too. We believe teams are strongest when they are diverse equitable and inclusive.

Were proud to have a truly international team and we celebrate our differences.
Inclusive teams help us live our values and make sure every Wiser feels respected empowered to contribute towards our mission and able to progress in their careers.

If you want to find out more about what its like to work at Wise visit .

Keep up to date with life at Wise by following us on LinkedIn and Instagram.

Remote Work :

No

Employment Type :

Full-time