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Sr. Back-End Engineer - Payments Intelligence

June 26, 2026

Location: Munich OfficeAbout IXOPAYIXOPAY is the enterprise-grade global payment infrastructure platform built for the era of agentic commerce, equipping merchants and businesses with AI-driven intelligence, orchestration, advanced tokenization, and the tools to power every step of their payments journey. From routing and compliance to customized modules and full-scale orchestration, IXOPAY delivers the infrastructure for faster integrations, higher approval rates, and seamless global expansion.We believe our people are our most valuable asset and that our culture is defined by our core values that align the organization with our mission and strategy.<h1>Sr. Back-End Engineer - Payments Intelligence</h1><h1></h1><h2>About IXOPAY</h2>Our mission at IXOPAY is to secure and optimize payments for global commerce. We’re building an integrated platform that optimizes payment transactions and protects payments data. For merchants who understand that payments are now a strategic function, IXOPAY is a complete payments optimization platform that delivers best-in-class tokenization and transaction routing. Unlike point solutions, IXOPAY delivers omnichannel tokenization, card lifecycle management, and routing via any payments service provider — giving merchants unprecedented control over their revenue and the competitive edge to thrive in global commerce.We believe our people are our most valuable asset and that our culture is defined by our core values that align the organization with our mission and strategy.<h2>Position Overview</h2><h2></h2>We are seeking a highly skilled Sr. Back-end Engineer with a strong background in payments and data analytics to join our team. This key role will be focused on the growth of our newest IXOPAY solution, AI Payments Intelligence.In this role, you will work closely with the engineering team, sales and customers to understand their business objectives to build a product focused on data-driven solutions that enhance payment performance, cost efficiency, and data management excellence. Leveraging your deep knowledge of the payments industry, you will contribute in building an AI driven payments intelligence product that allows global merchants to optimize their payment strategies, improve conversion rates, manage risks, and gain actionable insights from their data.<h2>Position Responsibilities</h2><ul><li>Develop and enhance Ixopay’s AI Payments Intelligence platform, enabling clients to extract actionable insights from complex transaction data.</li><li>Work closely with major enterprise clients to understand their data needs, integrate with their PSPs, and ensure seamless onboarding and data flow.</li><li>Design, implement, and maintain scalable online data processing, analysis, and visualization systems, with a strong focus on performance and reliability.</li><li>Contribute to building the infrastructure required for AI-driven capabilities, including AI agents, machine learning workflows, and automated decision systems, and support the development of anomaly detection models and other ML-driven features.</li><li>Collaborate with product and engineering teams to evaluate new features, contribute to architectural decisions, and guide product development from concept to launch.</li><li>Design data schemas, ETL pipelines, and mapping solutions and ensure their smooth operation on cloud infrastructure.</li><li>Contribute to the creation of data summary statistics, internal analytics tooling, and integration interfaces for third-party systems such as payment gateways via SFTP, Reporting APIs, or webhook-based ingestion.</li><li>Develop and support client-facing analytical dashboards and the backend components powering data visualization features.</li><li>Ensure security, performance, and high availability across all backend services and data systems.</li><li>Work independently and take ownership of complex technical initiatives while contributing to a collaborative team environment.</li><li>Implement analytical and visualization components based on product requirements and close collaboration with product leadership.</li><li>Ensure portability and consistency of the user experience across devices and platforms, supporting front-end integrations as needed.</li><li>Stay up to date with industry trends, best practices, and emerging technologies to continually strengthen the platform and influence strategic technical decisions.</li></ul><h2>Position Qualifications</h2><ul><li>7+ years of proven experience in software development, with a strong focus on backend engineering, data engineering, or database development.</li><li>Expert-level Python knowledge is required, with experience building scalable backend services and data pipelines.</li><li>Deep, hands-on experience with AWS is required, including S3, Lambda, DynamoDB, Cognito, SQS, and Bedrock.</li><li>Experience working with modern data tools and cloud-native architectures.</li><li>Strong plus: experience with analytical databases such as ClickHouse and Snowflake.</li><li>Strong problem-solving abilities and the capability to work independently in a fast-paced environment.</li><li>Entrepreneurial mindset with a motivation for personal and company growth.</li><li>Excellent communication skills and high attention to detail.</li><li>Passion for creating impactful, data-driven products that deliver meaningful business value.</li><li>Experience with payment data analytics or PSP integrations is preferred.</li><li>Previous experience in a startup environment or a payments company is a strong advantage.</li></ul>Based in Munich (preferably) or elsewhere in Germany – this is a remote-friendly position, offering flexibility to work fully remotely or from our Munich location as desired. We also are looking for candidates in Italy (Remote).

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Common Interview Questions And Answers

1. HOW DO YOU PLAN YOUR DAY?

This is what this question poses: When do you focus and start working seriously? What are the hours you work optimally? Are you a night owl? A morning bird? Remote teams can be made up of people working on different shifts and around the world, so you won't necessarily be stuck in the 9-5 schedule if it's not for you...

2. HOW DO YOU USE THE DIFFERENT COMMUNICATION TOOLS IN DIFFERENT SITUATIONS?

When you're working on a remote team, there's no way to chat in the hallway between meetings or catch up on the latest project during an office carpool. Therefore, virtual communication will be absolutely essential to get your work done...

3. WHAT IS "WORKING REMOTE" REALLY FOR YOU?

Many people want to work remotely because of the flexibility it allows. You can work anywhere and at any time of the day...

4. WHAT DO YOU NEED IN YOUR PHYSICAL WORKSPACE TO SUCCEED IN YOUR WORK?

With this question, companies are looking to see what equipment they may need to provide you with and to verify how aware you are of what remote working could mean for you physically and logistically...

5. HOW DO YOU PROCESS INFORMATION?

Several years ago, I was working in a team to plan a big event. My supervisor made us all work as a team before the big day. One of our activities has been to find out how each of us processes information...

6. HOW DO YOU MANAGE THE CALENDAR AND THE PROGRAM? WHICH APPLICATIONS / SYSTEM DO YOU USE?

Or you may receive even more specific questions, such as: What's on your calendar? Do you plan blocks of time to do certain types of work? Do you have an open calendar that everyone can see?...

7. HOW DO YOU ORGANIZE FILES, LINKS, AND TABS ON YOUR COMPUTER?

Just like your schedule, how you track files and other information is very important. After all, everything is digital!...

8. HOW TO PRIORITIZE WORK?

The day I watched Marie Forleo's film separating the important from the urgent, my life changed. Not all remote jobs start fast, but most of them are...

9. HOW DO YOU PREPARE FOR A MEETING AND PREPARE A MEETING? WHAT DO YOU SEE HAPPENING DURING THE MEETING?

Just as communication is essential when working remotely, so is organization. Because you won't have those opportunities in the elevator or a casual conversation in the lunchroom, you should take advantage of the little time you have in a video or phone conference...

10. HOW DO YOU USE TECHNOLOGY ON A DAILY BASIS, IN YOUR WORK AND FOR YOUR PLEASURE?

This is a great question because it shows your comfort level with technology, which is very important for a remote worker because you will be working with technology over time...

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