At Ratepay, we are dedicated to revolutionizing the world of digital payments. Established in 2009, we have grown to become Europe's leading white-label Buy Now Pay Later payment provider, processing over 2.5 million transactions per month. Our diverse team of 200+ professionals collaborates to create customized, state-of-the-art payment solutions for major online retailers and marketplaces.
We are building a future-ready domain driven Data warehousing platform that empowers high-impact business domains—Risk, Finance, Commercial, Product, and Compliance—to work with trusted, well-modeled data. Our Data team owns the end-to-end data architecture across ingestion, modeling, quality, and enablement.
As a
Senior Data Engineer
at Ratepay, you will play a pivotal role in building and optimizing our next-generation cloud-native data platform. You will design and maintain scalable, reliable, and governed data pipelines that power real-time financial services, advanced analytics, and regulatory reporting. You will work closely with BIA, Cloud Infrastructure, Finance, Risk, Compliance, and Domain Engineering teams to shape the next stage of our
cloud-native data strategy
.
Key Responsibilities:
Implement and drive the
technical architecture
of our cloud-native data platform, spanning
AWS (S3, IAM, Glue, EC2)
,
Snowflake
,
Kafka
,
SAP BW
and
dbt
.
Design and optimize
ETL/ELT pipelines
for structured and unstructured data from SAP BW, SAP FI, Navision, Salesforce and Kafka streaming sources.
Ensure
data governance, lineage, and FinOps best practices
, enabling secure and cost-efficient cloud operations.
Define best practices in
cost monitoring, FinOps
, and
CI/CD for data
to ensure stability and performance at scale.
Collaborate with analysts and data scientists to deliver
self-service BI, advanced analytics capabilities
and
ML Pipelines
.
Engage with
regulatory and audit needs
, enabling data lineage, encryption, and Role Based Access Control (RBAC) in line with
BaFin and GDPR
expectations.
That's what you bring along:
5+ years of experience in
data engineering, data warehousing, or cloud data architecture
.
Expertise in
Snowflake, AWS S3, dbt, Kafka, and SQL-based development
.
Extensive experience designing and scaling data warehousing platforms using technologies like
Snowflake, AWS, dbt, Terraform, Airflow
,
Kafka
and
CI/CD
tools.
Python
proficiency for writing clean, modular and maintainable code.
Proven ability to
build modular, reusable pipelines
with clear separation of concerns across Raw layer, Datalake, and Datamart.
Knowledge of
cloud architecture patterns
,
data lineage
, and experience with
governance in regulated industries
.
Strong problem-solving skills and a track record of optimizing
performance and cost efficiency
in cloud environments.
Bonus: experience with FinTech, payment processing, or regulatory reporting an advantage.
Why Join Us:
Be part of
mission-critical projects
(e.g., Refinancing partnerships, Anti Money laundering) that impact our
financial and risk integrity
.
Take ownership of a platform used across departments, with
end-to-end visibility from source to decision
.
Work with experienced engineers and stakeholders on
cloud-native architecture with autonomy and purpose
.
Culture of
technical ownership
,
business enablement
, and
low operational drag
.
That's How Working With Us Will Be
We're more than just a workplace – we're a vibrant community of innovators, collaborators, and visionaries who love what we do and reward those who work with us. Here, your career isn't just a job. It's an opportunity to thrive, learn, and make a difference. Take a look at these great personalised benefits of working at Ratepay. On a monthly basis, you can choose between mobility, fitness, food, training and much more.
Flexible working hours.
Work remotely (EU for up to 4 weeks a year).
28 vacation days per annum.
Financial security including Pension plan
Medical extras (Eye examination etc.)
Monthly lunches.
Learning and development (Access to various self-development platforms such as language learning and skills enhancement.
Health \& wellbeing.
Gym memberships and fitness.
Ratepaw community: Our office has a floor which is dog-friendly. So, bring your pawsome pet to work when needed.
Equal Opportunities \& Diversity
We value our diversity and welcome everyone to our team. Regardless of ethnic and social background, religious beliefs, worldview, gender, sexual orientation, physical and mental limitations, age, marital status, educational background and nationality. With over 200 employees and 40 different nationalities, we take our values seriously. These include ownership, growth, integrity, collaboration, customer centricity and inclusion.