Software Engineer

About us We’re Littlepay - a growing fintech headquartered in Melbourne with operations in the UK, EU, LATAM, USA, and Australia. Our payments platform enables our customers to pay for public transport using any payment card, mobile wallet, or wearable device. Processing over USD 1 billion a year in 19 countries and continuing to expand globally, we’re proud to move more people through better payment experiences. About the opportunity Our Luxembourg-based Product Engineering team is responsible for both new and existing services, owning our retail payment processing products, integrations to payment networks, encryption and key management. You'll play an active role in building high-quality, scalable software, taking ownership of services in production, and continuously improving how we work. As we continue to explore and adopt AI, you'll also have opportunities to identify new ways of solving problems, and improve how we design, build and deliver software. We're looking for engineers who enjoy using their curiosity to experiment with emerging technologies, and can apply experience-based judgement to turn promising ideas into practical, reliable, secure and maintainable solutions. At the moment, this role is focused on: • Designing, building, maintaining and operating features across our omni-channel payments platform, including opportunities to incorporate AI-driven capabilities. • Collaborating closely with engineers, product managers, and business analysts to turn problems into safe, reliable releases. • Leveraging AI to create meaningful customer and business value, from early experimentation through to production-ready solutions. • Owning outcomes end-to-end: understanding the problem, shaping the solution, shipping it safely, and improving it based on what we learn in production. What you will do in this role The specific focus of the role will evolve as we scale, but you can expect to: • Take full ownership of delivering applications that exceed customer expectations. • Partner with cross-functional stakeholders to clarify requirements, align on scope, and deliver customer value. • Experiment using AI models, APIs, frameworks and AI-assisted development workflows, sharing learnings and helping the team continuously improve how we build and deliver software. • Work within clear domain boundaries and communicate design trade-offs. • Solve complex and interesting problems in an agile team setting • Care about your team, help them grow through providing constructive feedbacks, coaching, and mentoring • Contribute to a culture of continuous improvement, constructive feedback, and shared learning. From a technology standpoint, you'll work with: • AWS cloud technologies (ECS/Lambda/DynamoDB/Aurora/S3/SQS/CloudFormation) • Microservices delivered through Buildkite CI/CD • Java services (Quarkus/Spring) • A blend of classic (e.g., ISO8583/CB2A/APACS) and contemporary (RESTful APIs, SDKs) technologies in the payment domain You are likely a match if you have: • 5+ years of software engineering experience, including architecture and design of backend systems. • Strong systems thinking mindset: the ability to reason holistically about complex distributed architectures, anticipate cross-service impacts, and confidently navigate technical trade-offs. • Experience in a Product-based team with responsibility for production health • A good understanding of the opportunities and limitations of AI in software development, with demonstrated good judgements around output quality, security, reliability and responsible use. • Experience building AI-enabled applications or integrating AI capabilities, such as agentic operations capabilities into software products • Genuine curiosity and a self-motivated willingness to