Back-End Software Engineer at Xe in Alcobendas, Spain

About Xe

Xe is a cross-border payments platform. We help SMEs and consumers in the US, UK, Canada, Australia, and New Zealand collect, convert, hold, and send money across markets. Each year, over 300 million people use Xe for currency information and over 350,000 use us to send money overseas.

Today, we're rebuilding the platform layer behind cross-border payments for corporate and consumer clients. We're small enough that your code ships fast and your decisions matter, and Euronet Worldwide (Nasdaq: EEFT) backs us so the problems stay real-scale.

About This Role

We're hiring a senior back-end engineer who owns real problems end-to-end and shapes how the team builds, from API design and data modeling through to service implementation, production reliability, and launch. You already use AI as part of how you think, build, test, and ship.

You'll write code that moves money in production, design and modernize the backend services the platform runs on, and lead delivery of new capability as Xe rebuilds its platform layer. You'll work in a small team with direct access to product, compliance, and operations, own architecture in your domain, lead design reviews, mentor mid-level engineers, and partner with architects and team leads on cross-domain decisions.

What You'll Do

• Design and own backend services that move money and manage multi-currency balances across a range of domains, including onboarding, KYC and KYB, payment initiation, FX, settlement, and other supporting services.
• Lead cross-functional delivery with product, compliance, and operations from problem framing through launch.
• Lead the build of the partner integrations and settlement infrastructure your domain depends on.
• Own production health for your domain, including reliability, observability, on-call, and incident response.
• Lead design reviews, set technical direction for your domain, and mentor mid-level engineers.
• Use agentic coding tools (Copilot, Cursor, Claude Code, or equivalent) daily across the SDLC, and lead modernization from legacy services into the modern stack alongside architects and team leads in your domain.

What We're Looking For

Must-have

• 6 to 10+ years building production backend services, end-to-end.
• Strong backend proficiency in C# / .NET preferred; other OOP languages welcome (Java, Kotlin, Go, or equivalent).
• SQL and relational database fundamentals.
• Writing and maintaining tests.
• Daily use of agentic coding tools (Copilot, Cursor, Claude Code, or equivalent) across the SDLC.
• Production experience with AWS, including hands-on deployment, CI/CD pipelines and modern deployment practices, and native services such as SQS, DynamoDB, S3, ECS, and Lambda.
• Strong system design and architecture experience, including service-oriented or microservices and event-driven patterns.
• Payments, FX, or regulated-industry experience.
• Track record of technical leadership: mentoring engineers, leading design reviews, and making architecture decisions in your domain.
• Strong written and verbal communication.

Nice-to-have

• Experience with ledgers, double-entry accounting, or other financial-data systems.
• Experience hiring, interviewing, or onboarding engineers.
• Experience leading modernization or platform migrations.
• Experience with caching solutions like Memcached or Redis.
• Experience using project management and documentation tools like Jira and Confluence.
• Knowledge of API testing tools such as Postman or Bruno.
• Writing automated tests alongside development with AI tools (Claude Code or equivalent).

Perks & Benefits

• Annual performance-related rewards: performance-based annual bonus
• Employee Stock Purchase Plan (ESPP): open to all employees
• Car allowance: monthly car allowance (subject to Direction Level)
• Meal vouchers: 8€ per working day
• Preferential currency exchange rates: exclusive rates for employees
• Money transfer discounts: special discounts on transfers
• Annual salary review: performance-based process
• Hybrid working model: 2 days per week WFH with flexible scheduling
• Extended vacation allowance: 25-30 days annual leave
• Extra bank holidays: additional company-recognised holidays
• Birthday off: fully paid day off
• Annual employee recognition events: HEROES awards & seniority recognitions
• Annual social events: end-of-year celebration & regional/departmental gatherings
• Seasonal celebrations: Halloween, New Year, Christmas, and other festivities
• Volunteer days & CSR initiatives: Save the Children, environmental actions, food bank donations, and more
• Employee wellness weeks: global and local wellbeing activities
• Leadership training: internal and external learning opportunities
• Cross-functional project opportunities: available based on skills and project needs
• Internal & international mobility: relocation support and coaching for career development

XE offers a competitive salary and benefits package. The reasonable estimated pay for this role ranges from 65,000 EUR to 80,000 EUR. Actual compensation is based upon factors such as the candidate's skills, qualifications, and experience.

We want Xe to be a great place to work and to ensure that our communities are represented across our workforce. A vital part of this is ensuring we are a truly inclusive organization that encourages diversity in all respects.

Xe is an Equal Employment Opportunity employer. All qualified applicants will be considered for employment regardless of age, national origin, race, color, disability, religion, sexual orientation, gender identity or expression, or any other characteristic protected under applicable law. We are committed to providing reasonable accommodations to qualified individuals with disabilities. If you need assistance or an accommodation due to a disability, you may contact us at recruitment@xe.com.

The position responsibilities outlined above are intended to define the general contents and requirements to perform this job. It is not to be taken as a complete statement of responsibilities or requirements. This job description does not restrict the Company's right to assign or reassign duties and responsibilities to this job as needed.