Software Development Engineer - Payment Intelligence team

About us

GoCardless is a global bank payment company. Over 100,000 businesses , from start-ups to household names, use GoCardless to collect and send payments through direct debit, real-time payments and open banking.

GoCardless processes US$130bn+ of payments annually, across 30+ countries ; helping customers collect and send both recurring and one-off payments , without the chasing, stress or expensive fees. We use AI-powered solutions to improve payment success and reduce fraud. And, with open banking connectivity to over 2,500 banks , we help our customers make faster, more informed decisions.

We are headquartered in the UK with offices in London and Leeds , and additional locations in Australia, France, Ireland, Latvia, Portugal and the United States.

At GoCardless, we're all about supporting you ! We’re committed to making our hiring process inclusive and accessible . If you need extra support or adjustments, reach out to your Talent Partner — we’re here to help!

And remember: we don’t expect you to meet every single requirement. If you’re excited by this role, we encourage you to 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.
• Improve fraud detection rates of our ML models and rules based systems
• Improve the consumer authentication flow experiences for high risk payments.

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 team of super talented and motivated engineers.

This is a unique and high-profile opportunity for you, as an engineer, to work on building one 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.
• You thrive in a collaborative environment and believe the best products are built through collaboration.
• You are passionate about building and improving products by experimenting, prototyping and applying an iterative approach to validate ideas and learn.

What excites us

• You have strong programming experience with Ruby and/or Python
• You want to solve problems that will drive revenue growth and will have an impact on t