Peratera is a UK-based fintech company, founded in 2022 and authorised by the FCA as an Electronic Money Institution. We are building a modern, all-in-one payment platform that enables businesses to manage global payments and financial operations seamlessly.
Our solution allows companies to open multi-currency accounts, send and receive payments worldwide, and manage cross-border transactions from a single platform. Our mission is to simplify global finance and remove friction from international business operations.
Your Mission
As a Lead Java Engineer, you will be a technical anchor for our distributed financial platform — leading the design and delivery of critical platform services, setting the engineering bar for the team, and ensuring that architectural decisions are translated into clean, reliable and maintainable code. Working closely with our Architect, CTO, and Product teams, you will own not the architecture itself, but how it gets built — being the person the team looks to for technical guidance, code quality, and engineering standards.
Your Tech Environment
You will work in a modern, cloud-native stack with clear ownership and no legacy surprises: * Backend: Java 17+, Spring Boot (Core, Security, Data, Cloud), REST APIs, event-driven services, Camunda * Infrastructure: AWS (EKS, RDS, CloudWatch), Docker, Kubernetes, GitLab CI/CD * Data & Messaging: PostgreSQL, AMQP / Kafka-style message brokers, event-driven architecture * Observability: OpenSearch / ELK, Prometheus / Micrometer, OpenTelemetry (in progress) * Integrations: Open Banking providers, banking partners, external payment systems
What You’ll Do * Lead the design and implementation of core platform services: payment flows, transaction lifecycle, reconciliation, and wallet infrastructure * Participate in architecture discussions, and ensure implementation aligns with the architectural direction * Set and enforce engineering standards: code quality, testing strategy, observability, and delivery practices across the team * Mentor and grow a team through code review, pairing, and technical guidance * Translate architectural decisions into clear, implementable technical solutions for the team * Partner with Product and DevOps to drive end-to-end delivery of complex financial features * Drive platform reliability, fault tolerance, and performance at scale * Contribute to the platform’s evolution toward AI-assisted and data-driven capabilities
What We’re Looking For * 8+ years of strong, production Java experience * Proven track record in a tech lead or lead engineer role * Deep expertise in the Spring Boot ecosystem and distributed systems at scale * Hands-on experience building financial systems: payments, wallets, banking or fintech * Strong engineering leadership: code review culture, mentoring, standards definition * Strong REST API design skills and hands-on experience with messaging systems * Solid SQL skills; PostgreSQL experience preferred * Familiarity with cloud environments, CI/CD pipelines, and observability tooling * Comfortable working asynchronously in a distributed, international team
Nice to Have * Background in a licensed financial institution (EMI, payment institution, or bank) * Familiarity with PCI DSS requirements and regulated payment environments * Exposure to Open Banking providers or scheme integrations (Visa / Mastercard) * Hands-on work with Camunda or other workflow orchestration engines * Background in event-sourcing or CQRS patterns * Interest or practice in AI / ML applied to financial systems
What You’ll Get * Competitive, market-aligned compensation — discussed openly at first interview * Direct impact on architecture and strategic platform decisions from day one * A real fintech platform running at production scale — not a demo environment * Exposure to modern cloud-native, AI-assisted, and Open Banking systems * Fully remote setup with flexible hours and an international, highly skilled team
Sounds like a match? Send us your CV — we’re excited to get to know you.
