(Senior) Backend Engineer - Banking (f/m/x)

ABOUT LEMON.MARKETS 🍋 We enable anyone to be an investor. Our mission is to grow investing opportunities for all European customers and businesses. By empowering FinTechs, banks, and wealth managers to offer investment products, we help create financial well-being for their customers. lemon.markets is a Brokerage-as-a-Service platform: simple digital access to capital markets through a single API. Our API-first infrastructure abstracts brokerage complexity with a well-documented API, a self-service customer operations portal, and a clear regulatory framework, so partners can launch customer-centric, compliant products in weeks, not months. As part of the dwpbank group, we’re adding a layer of resources and expertise to benefit from, while continuing to operate as an independent fintech with our own team, product, and start-up identity under the dwpbank umbrella. YOUR MISSION: As a Senior Backend Engineer in the Banking domain at lemon.markets, you will design and own reliable, scalable backend services that keep money moving safely and efficiently for our partners and their customers. Within this domain, you will build and operate systems across settlements, payments, and ledger accuracy, ensuring execution with partners is correct, cash flows are fast and reliable, and reconciliation reflects reality. You will take end-to-end ownership in a cross-functional team, helping ensure operational compliance tasks meet regulatory and contractual SLAs while tracking partner-visible incidents that could affect trust and assets under custody. Our Tech Stack is Python, FastAPI, AWS and Postgres. You will have a significant impact on the development of our core Platform & Systems, and therefore on architectural decisions and the business itself. Working alongside a cross-functional team of experts, you will help build the banking infrastructure that enables accurate settlements, reliable payments, resilient ledger and reconciliation systems, and trusted partner operations for the next 100 million retail investors in Europe. ABOUT YOU: - You write well-structured, maintainable and well-tested code in at least one modern programming language, such as Python, Go, Java, Ruby, JavaScript or TypeScript. We’re technology agnostic, so Python experience isn’t required, but you should be excited to learn it. - You have experience in designing and implementing highly scalable architecture and reliable REST APIs and bring the desire to make them world-class. - You’ve gained good experience with software in a cloud environment (AWS, GCP, Azure) and the architectural patterns for this environment. - You have a good understanding of any of these document-based or relational database technology such as MySQL/PostgreSQL. - You know how to write high-quality code that is understandable, maintainable and well tested, and can guide other engineers to do the same via code reviews. - You have a track record of designing, building and operating reliable and scalable backend systems as part of a cross-functional team. YOU WILL BE SUCCESSFUL IN THIS ROLE IF: - Growing investment opportunities excites you. We operate in a highly regulated environment and therefore having worked prior in a Fintech or financial Service provider would give you a head start, but is not a must. - You see yourself as a product engineer. That means, you are excited by solving customer problems and strive to become an expert in the domain area you are working in. - You enjoy modifying and scaling existing systems. This means high involvement in the product development process itself while advocating for the best engineering practices. It also means that you enjoy taking technical decisions. - You are ready and willing to take ownership of problems and act on them decisively with no supervision. You always thrive for high quality outcomes through focus, determination and attention to detail. - You are a team player. Working together as a team, sharing knowledge & providing mentorship comes naturally to you. Long term - you consider becoming a team lead. - You have no problem with learning new technologies on the go. You try to solve problems with more things than the ones you already know. We will always enable you with that, but your willingness has to come first. - You understand what working in a startup or a similar lean organisation is like. You are able to work with a small team in a lean environment, can move quickly and focus on what's truly important. - You see yourself reflected in the skills above, or you see yourself growing into this path. We're looking for people with passion, desire to learn and that are team players. You're encouraged to apply, even if your experience doesn't precisely match the job description. Your skills and passion will stand out - and set you apart - especially if your career has taken some extraordinary twists and turns. HOW WE TAKE CARE OF YOU: - 🚀 Compensation package: We offer you a competitive salary, based on your experience and the value-add you bring to lemon.markets. - 🕑 Flexible working hours: We trust people to choose when they work best and avoid a rigid 9 to 5 mindset. You decide on the rhythm that helps you do your best work, with only shared core hours from 12:00 to 16:00 to support collaboration. - 🏢 Hybrid work setup: You can work from anywhere in Germany within a hybrid model. At the same time, in-person collaboration is a key part of our culture. That being said, individual contributor lemoneers work 4 days or more per month on-site in our Berlin office, spending quality time together with the team at events, onsites/offsites or over team dinners. - 📈 Grow with us: We take your personal development seriously! You’ll get regular mentorship and stretch opportunities, plus a clear career development framework with frequent feedback conversations so you always know where you stand, and what to do to level up. - 🌱 People & culture: You’ll feel our culture in the small things, like polaroids from our lemoneers’ first day, Friday food market strolls at Maybachufer, and our monthly new-joiner breakfast. But also in the bigger things: celebrating the onboarding of new partners, growing our teams, and owning a strong discussion culture. - 💛 Perks & benefits: We choose benefits that add actual value. We sponsor a Deutschlandticket for employees on unlimited contracts, plus 50% off on Beatvest - our partner for financial education and investing. - 🏝 Workation: Get out of here! At lemon.markets you can work remotely from anywhere in the EU for up to 10 consecutive days at a time, and up to 60 days per year in total. As an equal opportunity employer, lemon.markets is committed to building an inclusive workplace. The company welcomes people from all different backgrounds, including age, citizenship, ethnic and racial origins, gender identities, individuals with disabilities, marital status, religions and ideologies, and sexual orientations to apply. If you feel this role could be a great match for you even if you don’t tick every box, we’d still love to hear from you, please apply. You have any questions? Feel free to contact us via talent@lemon.markets talent@lemon.markets.com