Backend Engineer – Core Systems

About the opportunity

Bank Core runs the systems at the heart of N26 - accounts, ledgers, and the core banking logic every other team builds on. We're revamping that core right now, so the engineers who join today shape decisions that reach across the entire company. The problems are real, the domain is deep, and the impact is direct.

Our services are written almost exclusively in Kotlin on Spring Boot, deployed on Kubernetes, communicating over Kafka, backed by Postgres, and running on AWS.

We lean heavily on agentic coding and expect you to do the same - but you stay in charge. You question what the tools produce, review every line, and own the result.

We work with a high degree of autonomy, collaborate closely, and share what we learn.

In this role, you will

• Own features end to end on systems that move real money for millions of customers
• Go deep on the banking domain - payments, ledgers, and the rules beneath them - and use that understanding to question and sharpen what we build
• Drive your own priorities within a cross-functional team, and unblock yourself when you hit a wall
• Raise problems early with a proposed solution, instead of working around them
• Ship incremental improvements and share your findings - including at our Get Stuff Done Days (GSDD)

What you need to be successful

  Skills:

• Solid grasp of microservice architecture
• Comfortable with relational databases, Postgres preferred
• Experience operating in a modern cloud environment, ideally AWS and Kubernetes
• Full professional proficiency in English

  Nice to have:

• Event-driven systems with Kafka
• Payments, ledgers, or other banking/fintech domain experience

Who you are

• Relentlessly curious - you want to learn new domains like payments, ledgers, and banking from the ground up
• Product-driven - you understand what you're building and push back when it doesn't add up
• Self-starting - you unblock yourself
• You surface issues early and bring solutions, never quietly route around them
• You favor steady, incremental improvement
• You share knowledge freely and learn from the people around you
• You write well-tested code and treat security as part of the job, not an afterthought
• You give and receive open, direct, timely feedback

What’s in it for you:

• Accelerate your career growth by joining one of Europe’s most talked about disruptors 🚀.
• Employee benefits that range from a competitive personal development budget, work from home budget, discounts to fitness & wellness memberships, language apps and public transportation. 
• As an N26 employee you will have access to a Premium subscription on your personal N26 bank account. As well as subscriptions for friends and family members.    
• Additional day of annual leave for each year of service.  
• A high degree of autonomy and access to cutting edge technologies - all while working with a friendly team of peers of diverse nationalities, experiences, and backgrounds. 
• A relocation package with visa support for those who need it.

Who we are

N26 has reimagined banking for today’s digital world. Technology and design empower everything we do and it’s how we are building the global banking platform the world loves to use.

We've eliminated physical branches, paperwork, and hidden fees for an elegant digital experience and supreme savings. Giving people the power to live and bank their way is what gets us out of bed in the morning and inspires the work that we do. 

We are headquartered in Berlin with offices in multiple cities across Europe, including Vienna and Barcelona, and a 1,500-strong team of more than 80 nationalities. 

Do you see yourself thriving in this role? We’d love to see your application even if you don’t meet 100% of the criteria. You may just be the right fit for this or other roles!

Equal opportunities for all

At N26, we believe our strength lies in our people and the varied perspectives they bring. We strive to build diverse teams that drive innovation and business success. We actively seek talent from all backgrounds and welcome applications from all genders, cultures, sexual orientations, abilities, neurodiversities, and ages.

We are committed to providing an excellent and accessible candidate experience. If you require any accommodations to make this process work for you, please let us know. We’re here to support you!

Discover more about Diversity & Inclusion at N26: https://n26.com/en-eu/diversity-and-inclusion