Full-Stack Software Development Engineer (Python, Ruby)

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!

We’re looking for engineers to join our growing team, where you’ll work on powering reliable payments and unlocking smarter payment experiences.

A key focus of this role is improving our Payments products by leveraging Open Banking Account Information Services (AIS). You’ll help enhance existing products while exploring new opportunities that can be a step-change in customer outcomes and user experience.

We endeavour to build simple, reliable and performant systems, and we believe in using the best technologies for each task. Joining the team, you’ll primarily work with: Python, Ruby on Rails, PostgreSQL, ReactJS,, BigQuery, Prometheus, Google Cloud..

Proficiency in all of these technologies is not a prerequisite. If you’re unsure, please apply.

• 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.
• Building products that scale. You like solving problems where reliability, performance, and operational excellence matter.
• Using data to make better experiences. You’re excited by the potential to improve payments, reduce friction, and unlock smarter payment capabilities.
• Raising the technical bar. You care about clean design, maintainable architecture and you push for better ways of working as you learn.
• Working collaboratively. You thrive in teams that solve problems together, learn from each other, and make pragmatic decisions with shared ownership.

• You can build and maintain Python (Django) and/or Ruby on Rails applications in production. You’re comfortable working across the stack and supporting services end-to-end.
• You can build modern frontend applications using JavaScript (ReactJS). You care about performance, usability, and writing clean, maintainable UI components.
• Understanding of backend technologies. You’re comfortable with Ruby on Rails, Python, Django, PostgreSQL, and designing/consuming REST APIs.
• Frontend foundations. You’re comfortable with JavaScript fundamentals (ES6+), CSS (e.g. grid, flexbox, custom properties), and modern browser patterns (e.g. event delegation); familiarity with web components is a plus.
• You adapt to new technologies and processes quickly. You can ramp up fast, work through ambiguity, and keep shipping impact.
• You enjoy solving problems and take initiative to find better solutions. You take ownership, dig into root causes, and improve systems over time.
• You enjoy solving problems. You are happy to take initiative to find better solutions.

We’re committed to reducing our environmental impact and leaving a sustainable world for future generations. As co-founders of the Tech Zero coalition, we’re working towards a climate-positive future. Check out our sustainability action plan here.