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ToptalTO

Software Engineer

Toptal is a global network of the top talent in business, design, and technology that enables companies to scale their teams, on-demand.

Toptal

Employee count: 1001-5000

Germany only

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Get ready to

  • Collaborate daily with product, design, and compliance in a lean, cross-functional team.
  • Build and extend APIs, services, and integrations that power payments, wallets, and lending workflows.
  • Contribute to technical excellence: reviews, RFCs, and feedback that raise the bar.
  • Ship features that directly impact how global talent moves and manages their money.

What you’ll do

  • Implement backend services (Node.js/TypeScript) with observability (metrics, logging, tracing) from day one.
  • Support fintech workflows: payments, wallet operations, and lending features such as origination and repayments.
  • Ensure compliance flows (KYC/AML, fraud checks) are embedded without adding friction.
  • Work across backend and frontend (React/TypeScript) to deliver clean, user-facing experiences.
  • Partner with senior engineers to design, test, and launch features quickly and reliably.

What we’re looking for

  • 3–5 years experience building production systems, ideally in fintech, lending, or payments.
  • Solid backend skills in Node.js (or Java/Go), REST/GraphQL APIs.
  • Experience with PostgreSQL and Redis.
  • Familiarity with React/TypeScript on the frontend.
  • Cloud & infra knowledge: AWS/GCP, CI/CD, Kubernetes basics.
  • Exposure to financial systems (payments, KYC, wallets, compliance flows).

How you work (values we expect)

  • Ownership mindset - you care about outcomes, not just code.
  • Product-minded - you think in flows, not endpoints.
  • High-velocity, sustainable pace - you ship quickly, then iterate.
  • Clarity over complexity - simple for users, even if complex under the hood.
  • AI-native builder - you use modern coding tools to eliminate grunt work.

Bonus Points if you have….

  • Experience integrating fintech APIs (payments, KYC/AML, wallets, custody, FX).
  • Hands-on work with compliance-heavy systems or regulated environments.
  • Familiarity with scaling transaction-heavy systems.
  • Experience working in cross-border or global financial products.

What we offer

  • High-impact role - contribute to systems that power real payments and lending flows from day one.
  • Broad exposure - work on core backend, user-facing features, and integrations.
  • Growth opportunity - mentorship from senior engineers and a clear path to grow your impact.
  • Transparent, supportive culture - feedback flows freely, the best ideas win, and you’ll have the freedom to experiment, learn, and grow.

About the job

Apply before

Posted on

Job type

Full Time

Experience level

Entry-level
Mid-level

Location requirements

Hiring timezones

Germany +/- 0 hours

About Toptal

Learn more about Toptal and their company culture.

View company profile
Toptal is a global network of the top talent in business, design, and technology that enables companies to scale their teams, on-demand. With $200+ million in annual revenue and over 40% year-over-year growth, Toptal is the largest fully distributed workforce in the world.

The Toptal network includes thousands of designers, developers, and finance experts in more than 100 countries. To be accepted into the network, all Toptalers must pass a screening process that includes communication skills and a variety of technical exams specific to the applicant's area of expertise.

Employee benefits

Learn about the employee benefits and perks provided at Toptal.

View benefits

Wellness benefits

Annual subscription to the Calm app.

Sabbaticals

Fully paid sabbatical leave after every 5 years with us!

Disability insurance

We'll cover basic short-term and long-term disability insurance.

Employee assistance program (EAP)

We offer an employee assistance program focused on mental health.

View Toptal's employee benefits
Toptal logoTO

Toptal

Company size

1001-5000 employees

Founded in

2010

Chief executive officer

Taso Du Val

Employees live in

View company profile

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Toptal hiring Software Engineer • Remote (Work from Home) | Himalayas