Software Development Engineer III

About us GoCardless is a global bank payment company. Over 100,000 businesses, from start-ups to household names, use GoCardless to collect, manage and send bank payments through Direct Debit, real-time payments and open banking. With US$130bn+ processed annually across 30+ countries, we handle recurring and one-off payments without the chasing, stress, or expensive fees. Our end-to-end payment platform also features AI-powered solutions to improve payment success and reduce fraud, alongside connections to over 350 platforms businesses use everyday. We are headquartered in the UK, with teams and operations spanning North America, Europe and Asia-Pacific. Engineering at GoCardless The technical challenges of building GoCardless span from simplifying building banking schemes to optimising the time to render the dashboard. You will enjoy being a software engineer at GoCardless if: You’re looking to champion a great engineering culture within GC and in the wider engineering community; You enjoy collaborating and learning from people from various backgrounds and experiences; You want to feel proud of the work you’re doing and its impact on real customers. Our engineers contribute to the engineering culture within and outside of GoCardless: they contribute to Open Source Software projects (see our Github ), and share learnings in post-mortems , conferences and on our blog . Our technologies: We endeavour to build simple, reliable systems and we believe in using the best technologies for each task. Technologies we use across GoCardless include: Ruby on Rails, Golang, Python, JavaScript, TypeScript, React, Postgres, BigQuery, Kubernetes, Elasticsearch, Prometheus, Google Cloud (GCP). You’re not expected to have expertise in all these technologies. Members of our team have picked up the tools once they’ve started working with the team. If you’re unsure, please apply. The Role Our mission as the Payment Intelligence team is to augment our bank payments product with intelligent data products that differentiate our offering and increase our win rates. Our focus areas are our existing products, Success+ and Protect+. This means creating market-leading payment recovery rates and fraud prevention products. Projects in the pipeline that align to these focus areas are: Improve payment recovery rates for failed Account to Account payments. Enhance the value proposition of our Payment Intelligence products for our merchants. Lead growth initiatives to increase the adoption of Success+ and Protect+ As an engineer, you will be actively working on projects that help grow the adoption of these products while improving the experience of using the same and coming up with ideas for new product features in this space. You will be aided and supported in this journey by a cross functional team of super talented and motivated engineers and data scientists This is a unique and high-profile opportunity for you, as an engineer, to work on building one of GoCardless' major revenue streams in the coming years. What excites you You have a growth mindset , motivated by driving concrete business outcomes. You adapt to new technologies and processes quickly. Building products that scale. You like solving problems where reliability, performance, and operational excellence matter. Raising the technical bar. You care about clean design, maintainable architecture and you push for better ways of working as you learn. Shipping meaningful improvements. You enjoy owning work end-to-end, taking ideas from discovery to delivery and seeing your changes make a measurable impact for customers. Using data to make better experiences. You’re excited by the potential to improve payments, reduce friction, and unlock smarter payment capabilities. You thrive in a collaborative environment and believe the best products are built through collaboration. You are passionate about building and improving products by expe