Full-Time
Thredd
201-500 employees
Payment processing solutions with advanced APIs
No salary listed
Senior, Expert
London, UK
- Extensive experience as a Software Engineer with a focus on designing and developing robust, scalable, and maintainable software systems as well as a solid understanding of software architecture principles, design patterns, and best practices.
- Strong expertise in Python.
- A strong knowledge of software development methodologies, frameworks, and tools such as Gitflow, Bitbucket (incl. pipelines), JIRA, Sonar, VSCode.
- Deep understanding in any of the following: Credit, Lending, Banking, or Payment Systems design and development.
- Experience with modern software development practices such as Agile, FDD, DevSecOps, and Continuous Integration/Continuous Delivery (CI/CD).
- An excellent understanding of automated software testing principles and methodologies, including unit testing, integration testing, and automated testing.
- Strong experience working with Amazon Web Services (AWS) and their ecosystem, using cloud-native platforms such as RDS, ECS, DynamoDB.
- Ability to optimize software performance and ensure scalability through efficient algorithms and code optimizations.
- Demonstrated expertise in solving complex technical problems and implementing innovative solutions.
- Strong leadership skills, with the ability to provide technical guidance and mentorship to junior engineers.
- Excellent communication skills, both verbal and written, with the ability to effectively communicate technical concepts to technical and non-technical stakeholders.
- Demonstrated ability to collaborate effectively with cross-functional teams and stakeholders.
- Proven track record of successfully delivering complex projects on time and within budget.
- Strong problem-solving and analytical skills, with the ability to quickly diagnose and resolve technical issues.
- Self-motivated and proactive, with a passion for staying updated with the latest technologies and industry trends.
- Experience in driving technical vision, innovation, and continuous improvement in an organization.
- Ability to plan and prioritize tasks and allocate resources effectively to ensure timely delivery of projects.
- Experience mentoring and coaching junior engineers, fostering a culture of technical excellence and continuous learning.
- Lead technical projects incorporating client requirements, ensuring development processes include thorough testing and integration of client feedback.
- Collaborate with teams to align technical designs with business needs, driving best approach in deliverables.
- Direct the team in developing data solutions that enhance workflows and ensure accurate, timely reporting of project metrics.
- Establish robust reporting mechanisms to track performance and outcomes, fostering collaboration across teams.
- Champion innovative engineering practices by guiding team members in adopting new technologies and methodologies.
- Provide mentorship in designing and implementing scalable solutions that meet technical and client requirements.
- Architect and develop robust, scalable, and maintainable software systems while addressing technical complexities.
- Develop tactical plans for engineering projects, prioritizing initiatives based on feasibility and client impact.
- Ensure project timelines and resource allocations are effectively communicated and aligned with broader objectives.
- Play a role in project planning, task prioritization, and resource allocation to ensure timely delivery.
- Exhibit advanced technical expertise and a comprehensive understanding architectures.
- Lead technical initiatives and contribute to strategy discussions.
- Implement quality assurance processes focusing on engineering excellence and compliance with industry standards.
- Encourage a culture of quality within the team, ensuring all technical outputs meet defined metrics.
- Contribute to the technical vision by evaluating engineering strategies that align with organizational goals and market demands.
Thredd specializes in payment processing solutions, providing APIs and technical documentation that help businesses integrate payment functionalities into their operations. The company focuses on issuer processing, which involves managing backend operations for payment cards, including transaction authorization and security. Thredd caters to a variety of clients, from startups to established companies, in the fintech market. Its business model is based on offering customizable and scalable solutions, allowing clients to efficiently handle payment processing while they concentrate on their core activities. Thredd generates revenue through service fees for API access and transaction-based charges, ensuring a steady income while promoting high transaction volumes. The goal of Thredd is to streamline payment operations for its clients and enhance transaction speeds.
Company Size
201-500
Company Stage
N/A
Total Funding
N/A
Headquarters
London, United Kingdom
Founded
2007
Simplify's Take
What believers are saying
- Strategic leadership appointments strengthen Thredd's platform and regional initiatives.
- Growing demand for micro-lending services presents expansion opportunities for Thredd.
- AI integration in payment processing can enhance transaction accuracy and efficiency.
What critics are saying
- Increased competition from AI-enhanced fintech solutions like Emburse AI.
- Potential regulatory changes could lead to compliance challenges for Thredd.
- 'Debanking' trends in fintech could limit Thredd's access to financial services.
What makes Thredd unique
- Thredd offers advanced APIs for seamless payment processing integration.
- The company focuses on issuer processing, managing backend operations of payment cards.
- Thredd provides customizable and scalable solutions for diverse client needs.
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Benefits
Professional Development Budget
Flexible Work Hours
Company News
Simeon Lando joins Thredd as Chief Marketing (CMO) to drive international growth and execute the company's global go-to-market strategy.
Travel and expense solutions provider Emburse added artificial intelligence capabilities to its product suite. Emburse AI is designed to alleviate common frustration in expense and invoice management, according to a Wednesday (Feb. 26) press release. “Finance teams handle hundreds of detailed processes every day, where even one seemingly minor error can lead to significant financial and operational consequences,” Emburse Chief Product Officer Paul Nagy said in the release. “With Emburse AI, we’re giving users a powerful tool to minimize manual effort, improve accuracy, and dramatically reduce time spent on managing expenses and invoices. This latest milestone for Emburse sets the stage for future AI enhancements, including agentic AI, to help finance teams operate more efficiently and strategically.”
Jack Dorsey is no stranger to playing the long game.But Block, the financial services and digital payments company formerly known as Square, missed Wall Street’s short-term estimates for its fourth quarter 2024 earnings and revenue numbers Thursday (Feb. 20), sending the stock down high single-digits in extended trading.Executives highlighted on Thursday’s investor call that Block, which was an early leader in providing point-of-sale systems for small and medium-sized businesses (SMBs), faces increased competition from FinTechs and a more dynamic landscape.Block’s leadership emphasized the strong engagement with Cash App, which saw gross profit per active user increase by 13% year over year to $76 in Q4 2024.“We expect to exit 2025 at a Rule of 40 run rate, ahead of schedule, and we continue to expect to deliver Rule of 40 in 2026 as this work compounds,” CEO Dorsey said.“We’re excited to share more about our progress with the investment community and look forward to holding an investor day later this year,” he added.During the call, Block outlined three primary product goals for 2025: increasing global economic access, enhancing openness and customer trust, and leveraging automation to boost creativity and efficiency. Central to its strategy is the creation of a “neighborhood network” connecting sellers, buyers and communities through its products.Strategic DevelopmentsFor the year ahead, and as it did for much of the past fiscal year, Block plans on doubling down traditional banking territory, pushing boundaries with its lending services and tools aimed at small businesses.For example, during 2024 the company transitioned Square from a payments solution to a comprehensive commerce platform, enhancing seller flexibility and streamlining onboarding through the new Square Point of Sale app. The app consolidates functionalities of five previous apps, with 50% of new sellers already adopting it.Executives also pointed to Cash App’s continued evolution, citing an expanded suite of banking features including high-yield savings, paycheck allocation to investments, and free tax filing. The Cash App Borrow service scaled up to nearly $9 billion in originations, demonstrating strong demand for micro-lending services.The company also emphasized efficiency gains through a functional organizational model, enabling faster product development and stronger integration between Square and Cash App ecosystems.For 2025, Block anticipates at least 15% growth in gross profit. The company projects $2.1 billion in adjusted operating income, representing a 21% margin on gross profit
The last half-decade of the 2020s looms, and for FinTechs and financial services in general, the dust has just started to be kicked up on Capitol Hill and in the White House in terms of new regulations and even a reshaping of the regulatory agencies themselves. Consumer Financial Protection Bureau Director Rohit Chopra was removed, and there is a bill in Congress afoot to abolish the agency itself. The Federal Deposit Insurance Corp. issued a slew of consent orders that delve into AML and KYC. Thredd CEO Jim McCarthy told Karen Webster that a seismic shift will define the sector
2025 is here, and the payments industry will navigate uncertainty across regulatory, geopolitical and economic fronts. A new presidential administration will sweep into office, and as Jim McCarthy, CEO of Thredd, told Karen Webster, it’s anyone’s guess how things will shape up. We may see seismic shifts at the Federal Reserve, the FDIC, CFPB and other agencies. In the meantime, proposed rules, legislation, lawsuits and tariffs may touch on everything, from interchange fees to how FinTechs are monitored. For executives, McCarthy said, planning for that uncertainty is akin to what he’s witnessed living in North Carolina and observed during NASCAR races — where long-term strategy meets short-term maneuvering