Product Engineer (Banking and Invoicing)

🌎 Location : Remote in Europe. If you are based in Estonia, You’re welcome to work from our offices in Tallinn or Tartu. 💰 Compensation : 60,000 - 69,000 EUR annual gross, based on your experience and seniority level. 💡About the role: We’re looking for a Product Engineer to join our Banking and Invoicing team and work on core parts of the Xolo platform. You will help build and maintain systems that power invoicing, banking integrations, financial workflows, and automation for entrepreneurs across Europe. This role suits someone who enjoys taking ownership, thinking through real-world problems, and building reliable systems in a product-focused startup environment. We are especially interested in engineers who have experience working with fintech, banking, invoicing, or other financial systems where reliability, integrations, and compliance matter. ✍️ As a Product Engineer at Xolo, you will: Design, build, and maintain backend and frontend systems that power our core platform. Deliver solutions via API to UX with workflow automation as default mental model. Take full ownership of end-to-end solutions from understanding the problem and success metrics to implementation, monitoring, and continuous improvement. Work with Product, Design, and key stakeholders to translate accounting, invoicing, and regulatory requirements into scalable product experiences. Build and maintain integrations with banking and financial systems, while considering reliability, security, and operational constraints. Make technical decisions that balance security, performance, quality, and long-term maintainability. Contribute to improving observability, system reliability, and engineering practices across the platform. Stay curious about emerging technologies, including AI-assisted engineering workflows and developer tooling. You consider an agentic-workflows as a way to amplify your skills. 🧩 What makes you a great fit? Proven professional experience working with Java and the Spring Boot framework in production environments. Experience with Python and React is a strong plus. You have proven experience building products in fintech, banking, invoicing, payments, or other regulated financial environments. Hands-on experience with designing and delivering banking integrations and APIs. Solid understanding of Open Banking concepts, including practical benefits, tradeoffs, and constraints. You are confident with SQL and designing database schemas that perform well under real user load. Experience with PostgreSQL is a plus. You enjoy working in startup and scale-up environments with evolving priorities and a high level of ownership. You think beyond implementation details and care about how your work impacts customers and the business - you are outcome-oriented. Interest in AI tools and how they can improve engineering workflows and products. ✨ Nice to have Exposure to AI, Machine Learning, or data science concepts in a product engineering environment. Experience building or experimenting with AI-powered features or automations is a plus. Proven contributions to engineering excellence and developer experience. Experience with AWS (or another major cloud provider) and are interested in deepening your understanding of infrastructure, networking, CI/CD, and containers. ⚙️ Our technology (Always Evolving) Java 21+ | Spring Boot | PostgreSQL | AWS (EKS, S3, Lambda, Textract) Apache Pulsar | Weaviate | Grafana + Prometheus + Loki | Terraform and GitHub Actions Spring MVC + JSP/HTML5/SASS/JS frontend (future plans with React) 💭 Why work at Xolo? A team of Mavericks : We aspire to challenge the norm by encouraging bold thinking and embracing the unconventional. As a member of our team, you’ll have the freedom to take risks, explore new ideas, and challenge the status quo. We run like Clockwork: While we champion innovation, we also believe in operational excellence. Our processes are designed to be smart, efficient, and finely tuned. Our Big-hearted nature : You’ll work alongside mission-driven individuals who not only bring brilliance to the table but also lead with empathy. We believe that great work is built on strong relationships, and we’re always ready to help, listen, and grow together. At Xolo, you own outcomes, not outputs. You'll work on systems that handle compliance for solopreneurs across European markets. You'll live with what you build, in production, on-call, and through the next iteration. 🚀About Xolo: At Xolo , we believe solopreneurs deserve better. We've spent the last decade simplifying entrepreneurship - removing bureaucracy, automating admin, and enabling thousands of people across the globe to build and run their businesses on their own terms. Our pioneering products are designed for freelancers, consultants, and microentrepreneurs who want to focus on their craft - not the paperwork. With more than 100 team members globally, we're building the best possible version of solopreneurship. 📝Xolo interview process: Our interview process is designed to ensure a great fit for both you and the company. It typically includes a screening call, an interview with the hiring manager, technical interview and a final stage. If this sounds like your kind of role, please submit your resume and application details in English.