Full-Time

Senior Backend Engineer

Posted on 9/22/2025

Teya

Teya

1,001-5,000 employees

Fintech payments platform for small businesses

No salary listed

London, UK

In Person

Category
Software Engineering (1)
Required Skills
Kotlin
Agile
Git
Data Structures & Algorithms
Java
.NET
Go
SCRUM
Requirements
  • 5+ years of professional software development experience, with a solid understanding of backend systems, scalable architectures, and software design principles.
  • Significant coding skills in at least one of the following languages: Java, Kotlin, Golang or .NET, experience with multiple languages is a plus.
  • Strong knowledge of object-oriented programming (OOP) principles, data structures, and algorithms.
  • Proven ability to design and implement efficient, maintainable, and scalable solutions using backend technologies.
  • Experience working with databases (relational and non-relational), including schema design, query optimization, and database integration.
  • Experience with system design and architecture, including object-oriented design patterns, microservices architecture, and API development.
  • Hands-on experience with version control (Git), continuous integration, and deployment pipelines.
  • Strong problem-solving skills and the ability to debug complex issues across multiple systems or services.
  • Excellent communication, collaboration, and mentoring skills.
  • Experience working in an Agile/Scrum development process.
  • Ability to work well as part of a team and independently in a fast-paced environment.
  • Fluent in English.
Responsibilities
  • Design, develop, and maintain clean, efficient, secure, and well-tested code to support critical business needs, ensuring scalability, performance, and reliability across Teya's systems.
  • Take ownership of features and projects throughout the full software development lifecycle, including scoping, design, development, testing, deployment, and maintenance.
  • Collaborate closely with cross-functional teams (including product, design, data science, security, and operations) to understand requirements, provide technical insights, and contribute to architecture discussions.
  • Build tools and integrate systems to enhance operational efficiency, reliability, and scalability of products across the business.
  • Contribute to process improvements, focusing on continuous integration, delivery, and deployment to ensure a smooth and stable development pipeline.
  • Participate in code reviews, share feedback constructively, and help elevate the overall quality and performance of the team’s output.
  • Mentor and support fellow developers, fostering a collaborative and innovative environment.
  • Stay updated with the latest trends and technologies in software engineering, payments, and fintech, proactively identifying opportunities for improvement and innovation.
  • Assist in troubleshooting complex issues related to our systems, providing timely resolutions to ensure uninterrupted service for our customers.
  • Help define and promote best practices in software development, including code quality, testing, automation, and security.
  • Serve as a subject matter expert in key areas, providing guidance and support to other teams.
Desired Qualifications
  • Degree in computer sciences, programming, or a related field.
  • Previous experience in the Payments Industry, fintech, or Location and Business Recommendation Services platforms.
  • Experience with cloud infrastructure (AWS, Kubernetes, Helm).
  • Experience with current or specific frameworks, SDKs, APIs, and libraries relevant to Teya's technology stack (e.g. Laravel, Spring, Reactor).
  • Experience implementing authorisation Systems (example: RBAC, ABAC, SpiceDB).
  • Knowledge of cryptography or EMV.

Teya provides payment solutions for small businesses, including card payment terminals, payment links, and electronic money issuance. Its platform helps businesses manage cash flow, fund operations, and grow by enabling secure payment processing and quick setup. Customers can process transactions, receive payments via card and links, and use funds for ongoing operations, with revenue coming from transaction fees, service subscriptions, and optional cashback on debit usage. The product suite includes a single inbox to manage customer reviews, seamless integration with business systems, easy onboarding, flexible funding options, and local, personalized support. Compared with competitors, Teya focuses on hands-on customer assistance, simple-to-use technology, and adaptable funding to fit small-business needs, plus value-added features like cashback. The overarching goal is to simplify business operations for small owners so they can concentrate on their core activities and drive growth.

Company Size

1,001-5,000

Company Stage

Series C

Total Funding

$1.1B

Headquarters

London, United Kingdom

Founded

2019

Simplify Jobs

Simplify's Take

What believers are saying

  • Merchant base exceeds 75,000 UK businesses, driving transaction fee revenue.
  • Tap to Pay expands to nine European countries, capturing mobile merchants.
  • Partnerships with PayPoint enable cash deposits at 29,000 UK stores.

What critics are saying

  • SumUp erodes share with lower 1.69% fees and superior app features.
  • Dojo captures UK customers via volume discounts and better hardware.
  • PSD3 regulations in 2026 destroy Business Account lock-in.

What makes Teya unique

  • Teya integrates payments, Business Account, and Tap to Pay in unified app.
  • Teya Cash Advance offers funding up to £2 million in 24 hours via YouLend.
  • Teya provides 0.5% cashback on all card spends with Visa Platinum debit.

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Benefits

Flexible Work Hours

Wellness Program

Parental Leave

Cycle-to-Work Scheme

Health Insurance

Life Insurance

Pension Scheme

Paid Vacation

Growth & Insights and Company News

Headcount

6 month growth

-1%

1 year growth

0%

2 year growth

-4%
Open Banking Expo
Jan 15th, 2026
Teya selects YouLend to expand financing offers for merchants across UK and Europe

Teya selects YouLend to expand financing offers for merchants across UK and Europe. YouLend, the leading global embedded financing platform, has partnered with Teya, the financial services provider supporting local businesses across Europe, to expand its credit offering and simplify access to flexible funding for Teya's growing community of more than 30,000 members in the UK, ahead of further launches into Teya's other European markets in 2026. The partnership introduces Teya Cash Advance, powered by YouLend, a simple funding solution that makes it easy for merchants to apply for, accept, and renew funding. Through this partnership, Teya will offer a streamlined capital solution to more merchants. Eligible merchants can access between £1,000 and £2 million directly through the Teya app or portal, with pre-approved offers generated from anonymised payment data. The seamless application and approval process enables merchants to receive funding in as little as 24 hours. Repayments are automatically linked to each merchant's card machine sales, so businesses only repay when they earn. This helps merchants manage cash flow more easily and grow at their own pace. Teya selected YouLend for its scalable, multi-market funding platform and its proven track record of supporting over 370,000 businesses globally with a repeat financing rate exceeding 85%. "Teya was looking for a partner that truly understands the needs of their merchants and sales partners," said Dan Sinclair-Taylor, country head UK and ROI at YouLend. "Our platform helps them reach more eligible merchants, bolster conversion, and deliver a funding experience that feels as intuitive as the rest of Teya's platform." "Everything we do at Teya is to help make the financial lives of small and local businesses easier so they can focus on serving their communities," said Sahithya Vemana, head of banking at Teya. "That's why we partnered with YouLend. By offering merchants a flexible funding solution that is fair, transparent, and includes features built for their needs, like repayments linked directly to card machine sales, they no longer have to worry about access to finance and can instead focus on what they do best." The partnership has launched in the UK and will expand across Europe in the coming months. Together, YouLend and Teya are working to close the funding gap for small and local businesses and extend funding to as many eligible merchants as possible.

The Fintech Times
Aug 16th, 2025
iwoca Teams up With Teya to Offer Loans to Thousands of Business Owners

iwoca, the european SME lender, is teaming up with Teya, an all-in-one financial services platform built for small businesses, to bring iwoca's Flexi-Loan to thousands more business owners.

FF News
Mar 20th, 2025
Liberis And Teya Expand Partnership To Bring Flexible Sme Funding To Czech Republic And Slovakia

Following a successful launch in the UK, Liberis, a leading global embedded finance platform, and Teya, a merchant-focused financial services provider are today announcing their expanded partnership to bring fast and flexible funding to merchants in Czech Republic and Slovakia. The expansion extends financial support to over 23,000 merchants across the partnership, enabling them to access pre-approved revenue-based finance through a simple, fully automated application process. With funds available in as little as five minutes, merchants can invest in their businesses without the delays and complexities of traditional bank loans. “Expanding into these new markets is a natural next step in our mission to provide merchants with fair, accessible funding,” said Rob Straathof, CEO of Liberis. “We’re seeing a rise in demand for alternative funding models across Europe as more SMEs look for flexible options that work with their cash flow, rather than against it. By expanding our partnership with Teya, we’re helping thousands more merchants secure the capital they need quickly so they can focus on growth.”

FF News
Aug 28th, 2024
Teya Launches Tap To Pay, Enabling Android Phones To Accept Contactless Payments

Today, Teya announced the launch of its new product – Teya Tap. The product allows business owners to accept payments directly with their Android phones, removing dependencies on physical card machines.Being able to accept contactless payments in the UK is highly important, with 85% of people in the country using contactless payments at least once a month (according to UK Finance).Teya Tap can be a cost-effective alternative to traditional card machines for business owners who trade on the go, such as taxi drivers or independent businesses that focus on markets, festivals, or other events. Businesses that already rely on card machines can use Teya Tap as a flexible backup to ensure additional payment support in peak times.The release of Teya Tap marks Teya’s commitment to providing a comprehensive suite of tools for small and medium-sized businesses. The product is available in the Teya Business app – Teya’s unified app experience launched last year. With the Teya Business app, business owners can access real-time sales information, manage their business account, and now accept payments – all in one convenient place.At launch, Teya Tap is available on Android devices only. The product will roll out more features in the near future – such as availability on Apple devices and Amex acceptance.Joining Teya’s product offerings, including traditional payment acceptance, Cash Advance, and Business Account services, Teya Tap furthers the company’s goal of developing innovative tools for small and local businesses.Tiago Gray Pereira, Product Manager at Teya, commented: “We are proud to launch Teya Tap, a flexible and convenient payment solution for a small and local businesses

FF News
Aug 27th, 2024
Paypoint And Teya Announce New Partnership To Facilitate Cash Deposits

PayPoint and Teya are delighted to announce its partnership which has led to the launch of a new service for Teya Business Account holders at PayPoint stores nationwide.Teya customers can now access a convenient cash payment service where they can add funds directly into their business accounts at over 29,000 PayPoint stores across the UK.The process is quick and initiated via the Teya App where customers can put cash for a specified amount, by generating a unique barcode. The PayPoint agent can then scan the customer’s barcode, facilitating a seamless and efficient transaction.The innovative service is a significant enhancement to Teya’s Business Account offering and allows customers to take their cash conveniently to a location close to their premises. With the rise of bank branch closures, Teya customers can now benefit from the widespread accessibility to cash services to put cash into their accounts.Jo Toolan, Managing Director of Payments at PayPoint, said: “We are pleased to partner with Teya and offer a new level of convenience for its Account holders. We are always looking for innovate technological solutions that provide tangible operational benefits, such as saving time, and believe the new cash service offers an accessible financial solution to the needs of many local businesses and busy entrepreneurs across the UK.”Siddhartha Ram, Product Director at Teya, said: “We are proud to meet the needs of our members by launching a new cash service linked to the Teya Business Account. We consistently hear from our members that cash sales remain important, and this new service empowers them to manage their cash easily and securely. We are pleased to partner with PayPoint, whose broad network of outlets provides fantastic convenience for our members across the UK.”

INACTIVE