Polar

Senior Payments Engineer

Polar

full-time

Posted on:

Location Type: Remote

Location: Germany

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Job Level

Senior

Tech Stack

SQL

About the role

  • Strengthen Our Payments & Billing Architecture: Partner with the team to design and evolve subscription logic, pricing models, invoicing, transaction flows, refunds, disputes and payouts - while introducing rigorous financial systems thinking around idempotency, state management, ledger integrity, reconciliation, settlement consistency and failure handling to ensure correctness across the full payment lifecycle.
  • Build Merchant-facing Payment Experiences: Design and ship intuitive dashboards, onboarding flows, billing configuration and APIs - backed by robust payment primitives and backend infrastructure.
  • Improve Reliability & Observability: Strengthen monitoring, testing and rollback mechanisms for critical financial flows. Ensure we can detect inconsistencies, reconciliation issues and failures quickly and resolve them safely.
  • Collaborate Across Product & Compliance: Work closely with product, support and legal to translate regulatory requirements and acceptable use constraints into well-designed enforcement systems.
  • Evolve our PSP & Infrastructure Integrations: Refine how we integrate with payment service providers and external financial partners, designing abstractions that reduce coupling while maintaining flexibility across payment methods, regions and providers.

Requirements

  • 5-8+ years of engineering experience, building and scaling customer-facing products in high-growth environments.
  • Deep experience in payments and billing infrastructure - subscription lifecycles, transaction orchestration, refunds/disputes, payouts and financial state management.
  • Experience working with or ideally at payment service providers (PSPs), financial APIs or payment orchestration systems.
  • Strong backend expertise. You design clear, durable APIs and build systems that are resilient under real-world load and edge cases.
  • Highly proficient in SQL and data modeling - you reason rigorously about financial reporting, reconciliation integrity and long-term data correctness.
  • Strong production debugging and observability instincts with an ability to trace inconsistencies across financial workflows, APIs and service boundaries with confidence.
Benefits
  • Meaningful ownership: Small team & large surface area. You’ll directly influence how the company and platform scale.
  • Product-driven culture: We build to empower the next generation of software companies - and operate with the same builder mindset internally.
  • Competitive compensation: Salary and equity aligned with the impact of the role.
  • Exceptional team: Work with highly talented team members distributed across Europe.
  • Remote-first environment: Work from anywhere in Europe, with a home office setup budget available.
  • Annual team offsites: As the team is spread across Europe, we gather in person at least once a year to collaborate, plan, and spend time.
  • Health Benefits: Comprehensive health coverage to support you and your family.
  • Parental leave: Paid parental leave aligned with the standards and regulations of your local jurisdiction.
Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools
SQLdata modelingAPI designfinancial state managementtransaction orchestrationsubscription lifecyclesproduction debuggingobservabilitypayment orchestration systemsbackend development
Soft Skills
collaborationproblem-solvingcommunicationrigorous financial systems thinkingattention to detailresilience under loadcritical thinkingadaptabilityinterpersonal skillsleadership