Ratepay
Overview
Your Mission at Ratepay is to revolutionize the world of digital payments. Established in 2009, Ratepay is Europe's leading white-label Buy Now Pay Later payment provider, processing over 2.5 million transactions per month with a diverse team of 200+ professionals creating 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 domainsRisk, Finance, Commercial, Product, and Complianceto 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 . 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. Qualifications
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. Benefits
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 . Working With Us
That's how working with Ratepay will be. Equal Opportunities & Diversity 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. #J-18808-Ljbffr
Your Mission at Ratepay is to revolutionize the world of digital payments. Established in 2009, Ratepay is Europe's leading white-label Buy Now Pay Later payment provider, processing over 2.5 million transactions per month with a diverse team of 200+ professionals creating 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 domainsRisk, Finance, Commercial, Product, and Complianceto 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 . 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. Qualifications
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. Benefits
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 . Working With Us
That's how working with Ratepay will be. Equal Opportunities & Diversity 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. #J-18808-Ljbffr