Senior Backend Engineer — Real-Time Card Payments Platform

iwoca is seeking a senior backend engineer to design and build the payments platform behind its business card. You will own services end-to-end, shape architecture with the principal engineer, and ensure real-time authorisation, risk monitoring, and rewards payouts are robust.

You will collaborate with ledger, fraud and customer product teams and push new services into production. The role emphasizes technical challenge: scaling payments within card scheme rules and regulatory requirements.