Senior Backend Engineer

Betalo is a licensed payment institution under the supervision of Finansinspektionen (the Swedish Financial Supervisory Authority). We run a payments platform serving both consumers and businesses, and we're looking for a Senior Backend Engineer to take technical ownership of our backend — architecture, infrastructure, and the systems that keep payments moving reliably.

We're a small team. That means real ownership, real decisions, and work that ships.

About Betalo

Betalo is a Swedish payment institution in active growth and expansion. We build and operate our own payments platform, giving consumers and businesses a fast, reliable way to move money. Our core is invoice payments through cards. We're licensed by and under the supervision of Finansinspektionen, and our engineering team owns the full stack — from infrastructure to product.

The role

You'll lead the technical direction of our backend, working closely with product and the rest of engineering. Day to day that means:

• Making architecture decisions and setting the technical roadmap for the backend
• Designing, building and operating our payment services (Go, PostgreSQL)
• Owning our cloud infrastructure: AWS environment, Terraform/IaC, CI/CD pipelines
• Ensuring production reliability — monitoring, observability, incident response
• Implementing the technical controls required as a regulated payment institution: audit logging, access control, data protection, and supporting AML/KYC-related system requirements
• Driving adoption of AI-assisted development — code assistants, agentic tooling — and evaluating AI use cases in the platform such as internal automation, within regulatory and compliance constraints
• Sprint planning and prioritization together with product
• Vendor and integration work with banks and payment partners
• Keeping systems and processes documented, including for FI reporting and audits

Who we're looking for

We believe that you have 8+ years of backend development experience, preferably including experience in a senior or lead role. Strong production Go experience is required.Beyond that, you are:

• Hands-on and decisive. You're comfortable making technical calls and taking responsibility for them end to end.
• Pragmatic. You design systems that solve real problems, not just interesting ones. You know when to keep it simple.
• Reliable in production. You've owned systems under real load and know what it takes to keep them running.
• Commercially aware. In a small company, technical choices have direct business consequences.

Required:

Hands-on AWS and Terraform experience.

Strong plus:

Prior experience in fintech, payments, or another regulated environment. Understanding of PSD2/AML context shortens onboarding significantly.

Plus:

Experience using AI coding tools in daily work (Copilot, Claude Code or similar) and integrating LLM APIs into backend services.

What we offer

• Full technical ownership in a small, high-trust team
• Direct influence on architecture and product direction
• A regulated environment where good engineering genuinely matters
• Opportunity to grow with the company
• Office in central Stockholm

Practical

Start: By agreement

Betalo AB (publ) is a payment institution licensed by and under the supervision of Finansinspektionen.