Senior Software Engineer - Ruby on Rails (f/m/d)

Are you ready to change the market?

At PAIR Finance we're building the AI-driven platform that's redefining debt collection across Europe. We're looking for a senior software engineer who takes ownership end-to-end, is comfortable being the technical driver of a well-defined scope, and is energized by learning a deep, high-stakes domain: the legal processes around In-Court and After-Court debt collection.

Your Responsibilities:

• Own a clear scope end-to-end: take initiative from idea to production largely independently, and lead within your team (T-shaped: you go deep on your slice, and pair with one other developer)
• Design, build, and run POCs quickly to de-risk decisions before committing to a full build
• Develop, optimize, and maintain our core backend applications and services
• Work on high-level architecture to ensure scalability, performance, availability, and security
• Go deep on the In-Court/After-Court domain (the legal and procedural knowledge behind our

collection processes is a core part of the job, not a side detail) 

• Collaborate closely with product to shape the roadmap and unlock further company growth
• Work AI-augmented: you already use (or are ready to adopt) tools like Claude Code as part of how you build, review, and ship
• Help evolve and enhance our AI-based platform
• Stay current with industry trends and bring ideas back to the team

What we're looking for:

• 5+ years of professional software engineering experience, including 1+ year on medium-to-large

projects

• Strong backend experience in Ruby (Ruby on Rails): this is our core stack, and required for the

role

• Language-agnostic mindset: you pick the right tool for the job (hands-on experience with Go and/or Python is a big plus) 
• Proven ability to work independently: scope, drive, and deliver a project with minimal hand-holding
• Experience with TDD and CI/CD
• A track record of writing clean, maintainable backend code and solid infrastructure
• Comfortable in an Agile environment (Scrum, Kanban)
• Genuine interest in working with, and building on top of, AI-based technologies
• Solid English communication skills

Nice to have:• Experience in the financial or accounting industry 

• Frontend development experience, especially Vue.js and GraphQL knowledge
• Infrastructure experience: AWS, Terraform (IaC), Docker, Linux
• Knowledge of other backend technologies, such as Node.js, Rust, or Java

Our offer for you:

• For this senior-level role, our salary band is €77,000 - €92,000 gross per year (based on a 40-hour work week). The exact offer will reflect your experience and qualifications
• We offer visa sponsorship
• Thriving, financially stable company
• Strong experienced international team to support and mentor you along the way, smooth onboarding process
• International team of 30+ nationalities with professionals and experts
• Flat hierarchy, transparent and appreciative feedback culture, monthly all hands meetings, annual feedback and evaluation cycle, regular 1-on-1s with your lead
• Well-structured onboarding process as well as supportive and welcoming colleagues
• Personal learning & development budget as well as German and English language courses
• Unlimited employment contract, flexible working hours and 28 vacation days for your work-life balance
• Company pension plan, partly covered Deutschlandticket (public transport) and access to “Corporate Benefits”-voucher platform to ensure your full well-being
• Fun company summer and Christmas parties as well as regular team events
• This role is based in Berlin, and we have a hybrid working policy. Modern office near Uhlandstr. is complete with fresh fruit, muesli and drinks for a comfortable and enjoyable workplace

Our Interview Process:

Who is your contact person?

Your contact person for this position is Geneva Brooks. If you have any questions, please contact us directly by email (jobs@pairfinance.com) - we look forward to hearing from you!

For more information about PAIR Finance, please take a look at our website and our careers page. About us

We are rethinking debt collection with our digital debt collection solution, characterized by our high customer orientation and efficiency standards. By using artificial intelligence, we are combining technology with behavioral science and so we are able to contact customers individually and in a simple way throughout the entire collection process.

Strengthened by one of the most renowned private equity firms in the fintech sector, Pollen Street, as well as partnerships with other investors such as Zalando Payments, PAIR Finance offers an excellent opportunity to dive deep into and actively shape the fintech industry.

PAIR Finance is an equal-opportunity employer. We value a diverse team and an inclusive culture. We welcome applications from all qualified individuals regardless of ethnicity, color, religion, gender, sexual orientation, gender identity or expression, age, national origin, marital status, or disability.

For more information about PAIR Finance, visit www.pairfinance.com/ and www.pairfinance.com/karriere/ and www.trustpilot.com/review/www.pairfinance.com

Do you want to find out more about PAIR Finance and the position? We are happy to answer your questions and also to receive your application!