Backend Engineer - Cards & Digital Wallets

Title: Backend Engineer - Cards & Digital Wallets Location: Berlin

About the opportunity

Become a vital contributor to our Cards & Wallets Segment within the Everyday Banking Domain. We are dedicated to providing a secure, seamless, and globally scalable card experience.

Based in our Berlin hub, you will join a mature, high-stakes environment focused on mission-critical transaction processing. As a Backend Software Engineer, you will play an essential role in your team’s delivery, working independently to increase your scope and sphere of impact.

We are seeking a proficient Backend Engineer to refine our products using a modern microservice architecture built on Java, Kotlin, and Spring Boot. You will be expected to maintain fluent knowledge of the codebase and act as a key contributor to technical documentation and product discovery.

Our cross-functional teams prioritize collaboration and knowledge sharing. You will have the autonomy to solve complex problems while helping to improve team processes, conduct code reviews, and mentor junior engineers.

At N26, you are empowered to adopt the latest technological advancements, tackling intricate challenges daily while upholding the highest engineering standards for quality, security, and performance.

In this role, you will:

• Design, build, and deploy high-quality software solutions using Kotlin, Java, and Spring Boot within a microservice architecture.

• Own the full software lifecycle, including production monitoring, incident resolution, and continuous performance optimization.

• Contribute actively to technical documentation, RFCs, and product discovery, ensuring codebase quality and clarity.

• Partner with cross-functional teams to define backlog priorities and identify opportunities for process and workflow improvements.

• Support team growth by onboarding new engineers, conducting thorough code reviews, and fostering a culture of knowledge sharing.

• Operate with professional autonomy, delivering complex tasks while maintaining high engineering standards.

What you need to be successful:

Technical Skills:

• Proven experience in backend engineering, with deep proficiency in Java or Kotlin and modern microservice patterns.

• Strong understanding of relational and NoSQL databases (Postgres preferred) and cloud-native infrastructure, specifically AWS.

• Demonstrated ability to handle the entire deployment process, including bug fixing and production monitoring.

Competencies; Mindset:

• Independent Execution: Capacity to solve complex problems independently and take ownership of technical outcomes.

• Collaboration: Strong communication skills, including experience participating in technical discussions (e.g., RFCs) and mentoring team members.

• Commitment to Quality: Dedication to writing clean, tested, and well-documented code, with a focus on security and performance best practices.

• Growth Mindset: Ability to provide and receive constructive feedback, with a proactive approach to continuous learning and team-wide process improvement.

What’s in it for you:

• Accelerate your career growth by joining one of Europe’s most talked about disruptors 🚀.
• Employee benefits that range from a competitive personal development budget, work from home budget, discounts to fitness & wellness memberships, language apps and public transportation.
• As an N26 employee you will have access to a Premium subscription on your personal N26 bank account. As well as subscriptions for friends and family members.
• Additional day of annual leave for each year of service.
• A high degree of autonomy and access to cutting edge technologies - all while working with a friendly team of peers of diverse nationalities, experiences, and backgrounds.

Who we are

N26 has reimagined banking for today’s digital world. Technology and design empower everything we do and it’s how we are building the global banking platform the world loves to use.

We've eliminated physical branches, paperwork, and hidden fees for an elegant digital experience and supreme savings. Giving people the power to live and bank their way is what gets us out of bed in the morning and inspires the work that we do.

We are headquartered in Berlin with offices in multiple cities across Europe, including Vienna and Barcelona, and a 1,500-strong team of more than 80 nationalities.

Do you see yourself thriving in this role? We’d love to see your application even if you don’t meet 100% of the criteria. You may just be the right fit for this or other roles!

Equal opportunities for all

At N26, we believe our strength lies in our people and the varied perspectives they bring. We strive to build diverse teams that drive innovation and business success. We actively seek talent from all backgrounds and welcome applications from all genders, cultures, sexual orientations, abilities, neurodiversities, and ages.

We are committed to providing an excellent and accessible candidate experience. If you require any accommodations to make this process work for you, please let us know. We’re here to support you!

Discover more about Diversity & Inclusion at N26: