Software Engineer -Backend

• Are you curious, excited by experimentation and always looking to innovate?

• Do you want to work in embedded payments where you can keep learning and developing whilst getting hands-on experience?

• Do you want to have the opportunity to play an important role in a rapidly growing and exciting Fintech business?

If so, we would love to connect and collaborate!

Who We Are

Modulr is the payments automation platform that streamlines money movement with accuracy, control and reliability — built to scale. We process more than 200m transactions and over £180bn in payment value on an annualised basis, and we’re trusted by over 6,000 businesses from fast-growing SMEs to global enterprises.

We automate how money moves into and out of a business — payroll, supplier payments, spend management and payment collection — through a single platform, connected to the accounting and payroll systems finance teams already use and underpinned by principal memberships of Visa and Mastercard and direct access to central bank infrastructure.

As a regulated payments provider with over a decade of experience, we’re the platform finance teams trust to run mission-critical operations. Modulr is backed by PayPal, FIS, General Atlantic, Blenheim Chalcot, Frog Capital and Highland Europe, with over 400 employees across London, Edinburgh, Amsterdam, Mumbai and Pune.

The Team

At Modulr we are focused on building autonomous squads that are focused on working in

the best possible way. We operate in a tribes and squad model with each area focused on

a particular growth area. Each squad is small and cross-functional. We have big ambitions and have many interesting challenges ahead.

Summary

In this role you will design, build, and evolve the next generation of Modulr’s event-driven payments platform. You’ll work across the full engineering lifecycle—from shaping technical approaches to delivering production-grade software—within a squad that values ownership, excellence, and continuous improvement.

Specific duties

• Engineering & Architecture

• Design and develop backend services using Java (17+) or similar OO languages.

• Build and evolve microservices and distributed, event-driven components in a cloud-native environment.

• Contribute to architectural patterns that support throughput, resilience, reliability, and observability.

• Design clean, well-documented RESTful APIs and service contracts.

• Work with relational data stores, especially PostgreSQL, and contribute to data modelling.

Distributed Systems & Reliability

• Engineer solutions for concurrency, idempotency, fault tolerance, retries, and high availability.
• Improve system performance, reduce latency, and identify bottlenecks across services.
• Build systems with strong observability—logs, metrics, tracing—ensuring issues can be diagnosed quickly.

Quality & Testing

• Develop comprehensive automated tests using frameworks such as JUnit, Mockito, Cucumber.
• Participate in design and code reviews, helping raise engineering standards across the team.

•Advocate for code quality, maintainability, and long-term technical health.

DevOps, Cloud & Tooling

• Use and improve deployment pipelines and operational tooling (Docker, Kubernetes, CI/CD, AWS services).
• Contribute to internal frameworks, shared libraries, and engineering best practices.
• Help shape the evolution of our platform toward a more flexible, modern architecture.

Collaboration & Delivery

• Work in an agile environment, contributing to planning, design discussions, and iterative delivery.
• Collaborate across squads to shape technical solutions that span multiple systems.
• Document best practices, reference architectures, and design approaches others can rely on.

About you

You’re an engineer who thrives in a fast-paced, high-growth environment and enjoys solving complex, system-level problems. You bring:

• Expertise in Java or another OO language with willingness to work in Java.
• Strong understanding of OOP, design patterns, and distributed systems fundamentals.
• Experience building and operating microservices in production.
• Ability to reason about concurrency, performance, and system behaviour under load.
• Clear, proactive communication and a collaborative, team-first mindset.
• Strong analytical and problem-solving skills supported by sound engineering judgement.
• Ability to manage complexity, balance competing priorities, and deliver high-quality work.
• A growth mindset—you enjoy learning, improving, and helping others grow.
• A self-starter attitude with a passion for ownership and continuous improvement.

What We Offer You

• Bonus – Our annual discretionary bonus, paid in May for the previous year, is based on both company and individual performance.

• Insurance Coverage – Comprehensive medical, life, and accident insurance provided to support you and your family's wellbeing.

• Holidays & Leave – A generous annual leave allowance, your birthday off, and menstrual leave for female employees, with the flexibility to choose days to suit your personal schedule.

• Learning & Development – Our onboarding programme, ModStart, equips you for success. Learning doesn't stop there; we'll continue to support your development through various channels and opportunities.

• Mental Health, Wellbeing & Inclusion – Access to accredited therapists, coaches, counsellors, management training, and mindfulness sessions with company-funded hours and flexible top-up options.

• Company-Wide Events – Participate in collaborative and engaging events with colleagues across the business.

ModInclusion

At Modulr, we are working hard to build a more positive diverse and inclusive culture that helps everyone to feel they belong and can truly bring their whole self to work. Not only is it the right thing to do for everyone in the Modulr team, it’s also the right thing to do for our business, the community we operate in and attracting future talent. As part of our approach, we actively welcome applications from candidates with diverse backgrounds.