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Location: Barcelona, Spain Workplace: hybrid About seQura seQura provides innovative, flexible and easy-to-use payment technologies that help merchants acquire, convert and retain more customers. We make a difference sales performance by tailoring our solutions to different sectors, to address their unique pain points and deliver superior results in Retail, Education, Eyewear, Repairs and Travel. We also empower smart shopping to consumers who seek more value, convenience, and flexibility in their shopping, with new payment experiences that allow them to save, access interest-free credit, or pay in small, comfortable installments of up to 24 months. Born in Barcelona, seQura is a privately-owned fintech, currently expanding throughout southern Europe and Latin America, growing above 50% CAGR and approaching 100 Million in Annual Recurring Revenue. Over 5000 businesses, almost 2 million shoppers, and almost 400 employees continue to rate us as one of the most loved and trusted fintechs out there, with an NPS of 87%, a Trustpilot rating of 4.7/5, and a Glassdoor rating of 4.7/5. About the role 🤓 We’re looking for a Fraud Optimization Specialist to strengthen the performance of our detection systems. You will analyze fraud patterns, enhance controls, guide new product launches, and partner with Product, Data, and Operations to design scalable, tech-enabled solutions. This is a hands-on, impact-oriented role for someone who thrives at the intersection of analytics, risk strategy, and cross-functional execution. Your insights will help us reduce losses, accelerate safe growth, and continuously upgrade our fraud ecosystem. What challenges you'll be solving 🚀 Identify opportunities to reduce fraud losses on different streams and improve overall profitability, leveraging advanced risk rules and Machine Learning scores. Assess fraud risks for new features, launches, and markets, advising Product and Operations, identify control gaps, and define remediation plans. Develop and maintain executive dashboards (Metabase/Tableau) to track fraud performance, financial exposure, and other metrics; provide concise fraud insights, trends, and recommendations to leadership. Support and implement end-to-end fraud prevention strategies—design controls, execute rollouts, measure impact, and iterate for continuous improvement. Collaborate with stakeholders like Product, Engineering, Data Science to propose innovative and preventive fraud controls, translating complex fraud risk scenarios into scalable, tech-driven solutions. What we offer 😎 We have a strong and sustainable foundation, where we provide a secure and reliable workplace. You have the freedom and trust to make the best contribution possible. One of our most valued strengths by our employees is our fellowship and supportive culture, which fosters a sense of belonging by working closely with our values. With us, you will have challenging projects to work on and push your skills and knowledge. In addition, we are very proud of the unique office we have, which offers a comfortable and inspiring environment to work in with everything you need. 23 vacation days + 2 days of free disposal per year. Professional development workshops or seminars. Flexible compensation plan for transportation, restaurants, and kindergarten with Cobee. Health insurance discounts with Sanitas and Adeslas. Urban mobility by using your own bike with Kleta. Free access to healthy, organic, and sustainable fruits and snacks. Moreover, we offer a Wellness Program that embraces a holistic approach by covering 6 areas (occupational, physical, financial, emotional, social, and environmental consciousness). Each area will include various activities, and you'll be able to choose from 34 different activities that best meet your needs to configure a plan that best works for you. What you’ll need 🫱🏼‍🫲🏽 5+ years of experience working with fraud detection technologies within fintech, payments, BNPL, or e-commerce, from rule creation to performance optimization. Proficiency in SQL and data visualization skills (Metabase, Looker, Tableau, Power BI, etc.), with ability to build dashboards, automate monitoring, and interpret large data sets. A proven track record of delivering fraud risk assessments, gap remediation, and fraud prevention strategies Excellent communication and collaboration skills, with ability to influence cross-functional stakeholders, across product, operations, and compliance. We kindly ask that you submit your CV in English , as it is the official language of our community. We promote equal opportunity to all, regardless of age, color, gender identity, medical condition, physical or mental disability, race, religion, sexual orientation, or any other characteristic. We have an inclusive environment, and respect is above all. Do you want to be part of the change? Join us!👇

Location: Berlin Workplace: Hybrid OUR STORY: Every year millions of people are either filing their taxes in fear or giving up on their tax refund altogether. We're working on fixing that. Our intuitive app enables anyone, regardless of education or background, to file their taxes with newfound confidence. Spread across Germany, Spain and the UK, the team at Taxfix Group with its brands Taxfix, Steuerbot and TaxScouts, is a compassionate group of solution-finders. We speak our minds openly, and with over 400 professionals, including tax experts, developers, and IT security experts, we're rich in ideas and voices. The group has facilitated more than 3.5 billion euros in tax refunds for its customers since its founding in 2016.   YOUR OPPORTUNITY: AI is shifting how the best products get built. The handoffs between product, design, and engineering are slowing us down. The companies moving fastest are doing it with people who own the full loop, from the user problem to the shipped feature, without losing the thread. At Taxfix, we’re rebuilding our R&D organization around this idea. We call these people builders. A Builder has a primary craft, one they’re genuinely excellent at, but they don’t stop there. They stretch across product, design, and engineering as the situation demands, using AI to cover the gaps. They’re accountable to outcomes, not job descriptions. Taxfix has put €5 billion back into our customers’ pockets and we aren’t stopping there. We operate in Germany, Spain, and the UK, and we’re in the middle of a genuine AI transformation in how we build and how we’re organized. Assume there’s no designer to give you a Figma file. No engineer to hand the spec to. The magic is knowing what to build, why, and in what order, then making it happen. If building the thing sounds more natural to you than describing it, this role is for you.   YOUR RESPONSIBILITIES AND DECISIONS: - Take a user problem from rough idea to shipped product. Write the brief, design the flow, prototype it, and get it in front of users, with as few handoffs as possible. Own the full loop. - Compress research, synthesis, and spec-writing from weeks into hours. You reach for AI tools not because you’ve been asked to, but because they faster make you faster in delivering high quality outcome. You know when to trust the output, when to edit it, and when to reject it. Use AI as a force multiplier. - You structure fuzzy problems, identify what should and shouldn’t be built, and move forward when there are dozens of possible directions. The magic is in the trade-offs, not the feature list. Turn ambiguous ideas into things users can trust. - You collaborate effectively with technical and non-technical stakeholders on AI-related product work, translating AI concepts, capabilities, limitations, and outputs into clear product decisions. You work effectively in hybrid human-AI teams. Work in small, focused teams. - You know the metric your team is trying to move. You measure your week by what changed in user behaviour, not by how many tickets moved to Done. Be accountable to outcomes, not roadmaps. - You give feedback directly, to anyone, regardless of level. You raise blockers early and in the open. Push back when something’s wrong. Team player who raises the bar.   YOUR PROFILE: YOUR CRAFT - 5+ years experience in Product Management (ideally in fintech or B2B). You’ve shipped things that real people use, and you can point to the metric that moved when you did. - Understand implicitly the product development process - from discovery, to user research to experimentation. You are able to build and defend a compelling strategy that solves user needs. - You have a builder track record: you’ve made things with AI, not just written specs about them. Shipped products, agent workflows, or tools real users have touched. Any of these count whether at work or in your personal life. - You’re AI-native by default. You use tools like Claude, Cursor, Lovable, or similar regularly. You follow the AI product space closely and you know the difference between a demo and something production-ready. - You’ve built personal AI workflows that make you meaningfully faster. You know when to trust AI output, when to edit it, and when to reject it. - You’ve gone from user problem to testable prototype without waiting for a brief to be written for you. The output was good enough that a team shipped from it. - Low PM baggage: you’re not attached to how product management "should" be done. You care about outcomes, not territory. - When designing and shipping AI-enabled products, you consider privacy, safety, fairness, transparency, bias, and accountability. You assess when AI-generated outputs are appropriate for use and raise concerns when risks or limitations are identified. YOUR RANGE - Across all three disciplines, you can hold your own: in Product you can identify opportunities, assess impact, and prioritize ruthlessly. In Design, you have taste: you know when something looks right but feels wrong. In Engineering, you’ve used AI coding tools to build something real, and you’re not dependent on an engineer to tell you why it’s broken. HOW YOU WORK - Data fluency: you know the metric you were trying to move, and you can say whether you moved it, with healthy skepticism about what metrics do and don’t tell you. - You believe in experimentation and ship with velocity to learn quickly. You know your way around AB tests and are excited to try new data science models to learn faster. - You’ve worked on products where getting it wrong has real consequences for real people, and that raised your bar, not lowered it. - You’ve found a way through blockers rather than waiting to be unblocked. When something was genuinely impossible, you documented why and moved on. - You bring an entrepreneurial and independent mindset. You are excited about spotting opportunities and then acting on them. - Fluency in English is required (German is a plus). THIS ROLE IS NOT FOR YOU IF… - You’re not genuinely excited about being able to stretch across design and engineering functions. - You’ve never built an AI prototype and/or shipped code, side projects count. - You pride yourself in what you delivered rather than its impact - You need certainty, a full brief, or someone else’s research to get started. - You don’t believe in fast learning and getting things into customers hands early and use   WHY TAXFIX? - A chance to do meaningful, people-centric work with an international team of passionate professionals. - Holistic well-being with free mental health coaching sessions. - A monthly allowance to spend on an extensive range of services that you can use and roll over as flexibly as you like. - Employee stock options for all employees—because everyone deserves to benefit from the success they help to create. - 30 annual vacation days and flexible working hours. - Work from abroad for up to six weeks every year. Just align with your team, and then enjoy your trip. - Plenty of opportunities to socialise as a team. In addition to internal tech meetups, our international team hosts regular get-togethers—virtually and in person when possible. - Free tax declaration filing, of course, through the Taxfix app—and internal support for all personal tax-related questions. - Have a four-legged friend in your life? We’re happy to have dogs join us in the office. Excited? So are we. Learn more about Team Taxfix https://medium.com/taxfix on our blog and get a glimpse of our culture.   At Taxfix, we believe that incredible things happen when you have a wealth of perspectives and experiences. We're proudly committed to equal employment and development opportunities no matter your gender, race, religion, age, sexual orientation, colour, disability, or place of origin. To help mitigate any potential unconscious biases, we ask that you refrain from including your picture, age, or marital status on your CV. Let your experiences speak for themselves.   Not sure if you meet all the requirements for this role? Please apply anyway. You might bring something special to the team that we hadn't considered previously.

Международная компания в сфере crypto payment infrastructure ищет представителя на Кипре для развития локального присутствия и партнерств. Компания развивает решения для бизнеса в сфере криптоплатежей и digital assets: payment gateway, on-chain analytics, массовые выплаты, crypto infrastructure, wallets и white-label решения с виртуальными картами. Требуется человек с хорошим пониманием рынка и сильным нетворком в high-risk, fintech, payments или crypto, который сможет открывать нужные контакты и помогать выстраивать отношения с потенциальными клиентами и партнерами. Задачи: — Представительство интересов компании на локальном рынке; — Развитие партнерств и новых бизнес-возможностей. Условия: — Возможность работать как full-time, так и part-time / в формате совмещения; — Гибкие условия сотрудничества и оплаты — готовы обсуждать индивидуально.

Location: Remote We’re looking for a Brand Manager to own and develop our presence across industry publishers, review platforms, listings, and media partners. You’ll work at the intersection of brand, media partnerships, and reputation — managing existing publishers, developing new relationships, identifying opportunities to strengthen our visibility, and contributing to the broader brand strategy. What You’ll Do Publisher & Listing Management Manage relationships with key publishers, review websites, industry portals, and listing platforms. Own our presence across these platforms, ensuring brand and product information is accurate, relevant, and up to date. Identify opportunities to improve or expand existing placements through editorial content, enhanced profiles, sponsorships, special projects, and other formats. Publisher Development Research and evaluate new publishers, review platforms, directories, and industry media. Build relationships with potential partners and manage the process from initial outreach and commercial discussions through to launch. Coordinate contracts, insertion orders, approvals, invoices, payments, and renewals. Brand & Reputation Monitor how the brand is represented externally, including competitor activity and emerging industry platforms. Identify gaps and opportunities to strengthen brand visibility, credibility, and trust. Collaborate with internal teams to ensure consistent and accurate external brand communication. Brand Strategy Contribute to brand positioning, messaging, and overall brand strategy. Bring insights from publishers, competitors, users, and market trends into brand planning. Support cross-functional brand campaigns and strategic projects. What We’re Looking For 1+ year of experience in Brand Management, PR, Media Partnerships, Publisher Management, Digital Marketing, or a related field. Experience working with external partners, publishers, media, or other third-party platforms. Good written and verbal English and strong communication skills. Confidence in reaching out to new partners and discussing commercial opportunities. Strong organisational skills, attention to detail, and the ability to manage multiple partners and projects. A proactive mindset and willingness to take ownership of projects from idea to execution. Nice to Have Experience in fintech, trading, financial services, or another regulated industry. Familiarity with financial publishers, review websites, and listing platforms. Understanding of SEO, branded search visibility, or online reputation management. Experience working across multiple markets.

Location: Thailand; Malaysia; Myanmar Workplace: remote About the Team   We are Quadcode, a fintech company excelling in financial brokerage activities and delivering advanced financial products to our global clientele. Our flagship product, an internal trading platform, is offered as a Software-as-a-Service (SaaS) solution to other brokers. Tasks: Conduct proactive outreach to potential and existing VIP clients through calls, written communication, and internal CRM tools Promote company products and services to high-value clients Apply effective negotiation techniques to convert leads into long-term customers Develop and implement initiatives to increase client satisfaction and retention Build and maintain strong, long-term relationships as a trusted advisor Monitor client activity and identify opportunities for growth and engagement Maintain accurate records of client interactions in the CRM system Requirements: English proficiency at B2 level or higher Native or bilingual proficiency in Thai Proven experience in the financial industry, preferably in sales, account management, or business development High level of responsibility and professionalism when working with VIP clients Strong communication, negotiation, and relationship-building skills Result-oriented mindset and ability to work in a fast-paced environment What We Offer: On-site work model in our brand-new office in Larnaca (Cyprus) or remote work model Competitive remuneration Professional courses: from Coursera to Harvard Friendly, enjoyable and positive environment With a team of 500+ creative and tech-driven people across the globe, Quadcode is the place where ideas turn into impact, where every project is a chance to grow, innovate, and make your mark.   Join us today, and let's shape the future of fintech together!   Note: All applications will be treated with strict confidence. We thank all applicants for their interest, however, only those candidates selected for interviews will be contacted.   #LI-DK1

Задачи: — Управлять и развивать отношения с существующими PSP, банками, агрегаторами и платежными партнерами — Быть основным контактным лицом для партнеров после онбординга и интеграции — Координировать операционные, финансовые и технические вопросы с внутренними командами — Решать проблемы партнеров и находить практические решения — Работать над улучшением коммерческих условий, комиссий, ценообразования и добавлением новых платежных методов — Тесно сотрудничать с PSP / Account Managers Требования: — 1–3+ года релевантного опыта в Payments / PSP / FinTech / Acquiring / Gambling / Betting — Опыт работы с PSP, платежными провайдерами, агрегаторами или банками — Хорошее понимание картовых платежей, e-commerce платежей, интеграций и коммерческих комиссий — Опыт работы с рынками Европы / СНГ / Tier-1; LATAM будет плюсом — Сильные коммуникативные навыки, ответственность и умение решать проблемы — Проактивный подход — поиск решений вместо остановки на «нет» — Английский B1+; русский язык — сильное преимущество Условия: — Локация: предпочтительно Кипр — Уровень: Middle — Компенсация: фиксированная зарплата + возможные бонусы на основе результатов

Location: Paris Workplace: OnSite Are you looking to have an impact on the daily life of millions of entrepreneurs in France (and tomorrow in Europe)? Are you looking for a work environment that values trust, proactivity, and autonomy? Then Pennylane is the right place for you !   Our vision We aim to become the most beloved financial Operating System of French SMEs and Accounting Firms (and soon, European ones). We help entrepreneurs rid themselves of time-consuming tasks related to accounting and finance while providing them with access to key financial information to assist in making the best decisions for their business.   About us Pennylane is one of the fastest growing Fintechs in France (and soon to be in Europe!)   In 5 years of existence, we’ve managed to : 💻 Make ourselves known as a groundbreaking accounting and financial software for small businesses and their accountants 💰 Raise a total of €400 millions, including from Sequoia, the famous fund from the Silicon Valley who invested early in companies like Google, Facebook, Airbnb, Stripe, Paypal and much more... 👨‍👩‍👧‍👦 Grow from 7 cofounders to 1000 happy Pennylaners : we’re now recognized as one of the greatest places to work in France (and also remotely), with a 4.6/5 rating on Glassdoor https://www.glassdoor.fr/Avis/Pennylane-France-Avis-E4171708.htm. 🌍 Build an international environment with more than 25 nationalities, with a strong remote-friendly culture, where 30% of the employees are already working from all parts of Europe 🤝 Earn the trust of thousands of customers and accounting firms and obtain outstanding ratings https://www.google.com/search?q=pennylane&ei=O9pOYvm0Co-blwSmhKmIAw&ved=0ahUKEwi5vsWL-4H3AhWPzYUKHSZCCjEQ4dUDCA4&uact=5&oq=pennylane&gs_lcp=Cgdnd3Mtd2l6EAMyDQgAEIAEELEDEIMBEAoyCwguEIAEEMcBEK8BMgcIABCABBAKMgcIABCABBAKMgUIABCABDIFCAAQgAQyBQgAEIAEMgcIABCABBAKMgcIABCABBAKMgcIABCABBAKOgcIABBHELADOgkIABCwAxAKEEM6CgguEMcBEK8BEAo6BggAEBYQHjoICAAQFhAKEB46DQguEIAEEMcBEK8BEApKBAhBGABKBAhGGABQ7QFY6wVgugdoAXABeACAAUiIAbMCkgEBNZgBAKABAcgBCcABAQ&sclient=gws-wiz 🚀 Already more than 900,000 small and medium-sized enterprises (SMEs) and over 6000 accounting firms use Pennylane in France!   In 2024, we implemented an organizational structure built around business 'tracks'. This approach integrates key stakeholders across marketing, sales, product, and customer care into unified teams focused on specific product lines or client segments. Each track operates as a mini-business, empowered with dedicated resources (e.g., product marketing, data analytics, and operational support) and direct accountability for performance.     Why this role matters at Pennylane   As Chief of Staff to the CTO, you operate as a senior leader in the Tech organisation. Your leverage does not come from managing teams but from owning the hardest problems that sit between them, and from being technical enough to earn the trust of the other engineering leaders. You are the person the CTO trusts with ambiguous, org-wide problems. You turn that ambiguity into a clear framing, a decision, an owner and a measurable outcome. This is not a coordination role. You are expected to have opinions on engineering strategy, staffing choices and technical trade-offs, and to defend them in front of the Tech leadership team.   Team and Context Pennylane's Tech organisation is 70+ squads, each led by an Engineering Manager working with a PM and a Product Designer. We serve 1.5m+ customers and we want to scale in Europe. At that size, the hard problems are no longer inside a squad: how the organisation plans, how it decides, how it measures itself, how it invests in foundations without stalling product delivery. That is your perimeter. You report directly to Quentin, Co-founder & CTO. Your influence comes from the scope of what you own and from credibility with senior engineering leaders, which is why we ask for a technical background. As the organisation grows, this role can evolve towards a management position. Key missions Engineering strategy and transversal initiatives - Own the strategic, cross-organization initiatives that no single squad can carry: platform or architecture programmes, reliability and quality step-changes, engineering productivity, technical debt paydown - Frame the problem, build the technical and business case, secure alignment across Engineering, Product and Security to drive execution - Lead the Tech side of company-level programmes (e.g. European expansion, major compliance or infrastructure shifts) alongside the rest of the Tech leadership Planning & Performance tracking - Own the Tech planning cycle: collect the inputs, surface the trade-offs (capacity vs. platform, run vs. new bets), and drive the arbitration with Tech leadership - Drive the definition and calibration of Tech OKRs, and hold the organisation accountable - Define what "good" looks like for a 70+ squad engineering organization and build the metrics that measure it (delivery cadence, reliability, quality, staffing and attrition, engineering satisfaction) Decision-making and leadership cadence - Own the Tech leadership operating system: staff meetings, QBRs, roadmap and architecture reviews. You design them, set the agenda, write or commission the pre-reads, frame the decisions to be made, and make sure decisions land - Maintain the CTO's decision log: what was decided, by whom, with what trade-off, and what happened next - Raise the quality of decision-making across the Tech leadership team Communication - Lead internal and operational communications across the engineering organization, building clear messaging systems from board decks down to team-wide updates Who you’ll work with? - CTO and Tech leadership (Head of Engineering / Head of Data / Senior Engineering Managers) - Rest of the leadership (CPO, VP Strategic Initiatives) - Other relevant teams (e.g. Security, Finance, People) Who we’re looking for Must-have - An engineering degree (engineering, computer science or equivalent scientific curriculum) - Technical fluency: you can read a design doc, follow an architecture discussion, challenge an estimate or a trade-off, and be taken seriously by senior engineers - 7-10 years of experience, including significant time inside a tech organisation at scale (multiple squads, platform teams), where you have lived the problems of scaling engineering - A track record of owning complex, cross-organisational initiatives from framing to measurable outcome with senior stakeholders - Outstanding written communication: this role produces documents that senior people act on - Fluency in English Nice-to-have - A hands-on engineering past: software engineer, engineering manager, Technical Program Manager, architect or equivalent - Experience as a Chief of Staff, VP/Director of Engineering Operations, or in a strategy & operations function inside a product-led tech company What you can expect? Within one month - You'll complete the company and Tech onboarding, including our application, accounting domain and engineering practices - You'll have met the Tech leadership team and formed your own view of where the organisation loses time, quality or alignment - You'll have taken ownership of the leadership cadence and the next planning milestone Within 3-6 months - You'll be leading selected org-wide strategic initiatives end-to-end, with a measurable target - The Tech organisation will have a metrics picture it trusts and uses to make decisions - You'll be a recognised voice in the senior tech community at Pennylane, consulted on decisions rather than just informed of them - You'll be shaping the engineering narrative that the rest of the company and the board hear Recruitment Process - Screening interview with Barbara - Senior Recruiter (30 mins) - An interview with Eric - VP Strategic Initiatives (1h) - A Business Case to prepare at home and to present (1h) - A final interview with Quentin - CTO (45 mins) What do we do to make your work life easier   🌴 Wherever you are based, you will get 25 vacations days paid by Pennylane 💵 You’ll have a competitive compensation package 📈 You'll get company shares to enjoy a piece of the success story you're building with us 🏡 You’ll have a budget to turn your home into a more comfortable workspace, as well as a monthly allowance to work from a coworking space whenever you feel like it ⛹️ Through our partner Gymlib, you’ll have access to 8000 fitness spaces in Europe and more than 300 activities related to wellness 🇬🇧 You’ll have access to Busuu https://www.busuu.com/fr/p/start-learning?utm_medium=cpc&utm_source=google&utm_campaign=FR_FR_Web_Brand_E&utm_group=FR_FR_Web_Brand_E&utm_term=busuu&gclid=CjwKCAjw682TBhATEiwA9crl34OqnbJDliinEXFZNqOcb6391KXrgq4ZDDwEiwMdtTdtuVULvuF7HhoCgZEQAvD_BwE&gclsrc=aw.ds to perfect your English or your French 💻 You’ll get the latest Apple equipment 🏢 Depending on the teams and the requirements of the position - you'll be able to work remotely from your country of residence, as long as it is in Europe and within a maximum time difference of two hours from the CET time zone 🎉 We are committed to regularly coming together for company events such as Tech Days (which bring remote Pennylaners together every 3 months) or our annual company seminar, fostering significant moments of cohesion for everyone.   If you are based in France, you will have a French contract following French regulation on top of the additional perks : 6 to 12 RTT, 5 weeks PTOs, lunch credits (Swile), Alan Blue healthcare cover and regular events in cities where Pennylaners are mostly presents (Lyon, Bordeaux, Nantes…) We're working on providing those last advantages to our people based outside of France as well, but it can be quite more complex depending on different countries.   Who are we looking for ? To thrive at Pennylane, you need : -To speak English (level is assessed and appreciated according to the department you’re applying to) -To be energized by an ever-shifting work environment -To be highly collaborative (within your team or other stakeholders) -Sufficiently experienced to prioritize business-led actions on your day to day activity   We know that some people are less likely to apply than others, if they don’t feel like they meet the full list of criteria. If you’re hesitating, we encourage you to apply : who knows, it might be the start of a meaningful and long-lasting collaboration.   Important information for candidates Recruitment scam attempts are on the rise. We invite you to remain vigilant during your exchanges. Applications through official channels only : apply exclusively through our job postings published on our official platforms (career site, official partner pages). Always verify the sender's email address: our communications are sent from professional email addresses with the domains @pennylane.com or @pennylane-partners.com We will never ask you for payment or financial information (bank details, payment for an interview, equipment purchases, etc.) as part of the recruitment process. If such a request is made to you, it is fraudulent. We invite you to not respond and to report it to us immediately.   We also want to emphasize that we fully embrace diversity, equity and inclusion and that we’re doing our best to create a safe and inclusive environment. We are committed to providing an equal employment opportunity regardless of gender, sexual orientation, origin, disabilities, or any other traits that make you who you are. If anything, diversity makes us a more fun place to work at. 🇫🇷 Données personnelles Pennylane traite vos données pour gérer votre candidature et évaluer votre adéquation au poste. Si votre candidature n’aboutit pas, vos données peuvent être conservées 2 ans à compter de notre dernier échange ou de la clôture du recrutement afin de constituer & gérer un vivier de candidats. Vous pouvez vous opposer à tout moment et demander la suppression de vos données en écrivant à : dpo@pennylane.com. dpo@pennylane.com Notre data policy https://www.pennylane.com/fr/vos-donnees-personnelles-recrutement 🇬🇧 Personal Data Pennylane processes your data to manage your application and assess your suitability for the position. If your application is unsuccessful, your data may be retained for 2 years from our last exchange or the closing of the recruitment process, in order to build and manage a candidate pool. You may object at any time and request the deletion of your data by writing to dpo@pennylane.com. Learn more https://www.pennylane.com/fr/vos-donnees-personnelles-recrutement 🇩🇪 Personenbezogene Daten Pennylane verarbeitet Ihre Daten, um Ihre Bewerbung zu bearbeiten und Ihre Eignung für die Stelle zu beurteilen. Sollte Ihre Bewerbung nicht erfolgreich sein, können Ihre Daten bis zu 2 Jahre ab unserem letzten Austausch oder dem Abschluss des Rekrutierungsverfahrens gespeichert werden, um einen Kandidatenpool aufzubauen und zu verwalten. Sie können jederzeit Widerspruch einlegen und die Löschung Ihrer Daten beantragen, indem Sie an dpo@pennylane.com schreiben. Mehr erfahren https://www.pennylane.com/fr/vos-donnees-personnelles-recrutement 🇪🇸 Datos personales Pennylane trata sus datos para gestionar su candidatura y evaluar su idoneidad para el puesto. En caso de que su candidatura no sea seleccionada, sus datos podrán conservarse hasta 2 años a partir de nuestro último contacto o de la finalización del proceso de selección, con el fin de constituir y gestionar una reserva de candidatos. Puede oponerse en cualquier momento y solicitar la eliminación de sus datos escribiendo a dpo@pennylane.com. Más información https://www.pennylane.com/fr/vos-donnees-personnelles-recrutement

Borderfolio — работающий fintech SaaS для non-US инвесторов. Что есть сейчас: — live-продукт, не идея на салфетке; — техническая часть закрыта одним человеком, использованы технологии Go, PostgreSQL, ClickHouse, Redis, Kafka, Docker, AWS; — есть первые органические пользователи из Google; — B2C модель и отдельное B2B-направление для financial advisers / wealth firms. Что делает Borderfolio: — помогает инвесторам понимать, как ETF domicile, withholding tax, страна резидентства и структура портфеля влияют на реальные результаты инвестиций; — особенно актуально для инвесторов через IBKR и держателей US / Irish-domiciled ETFs. Кого ищут: — человека сильного в sales / distribution / partnerships / fintech business development; — особенно интересен опыт в investment/wealth management, fintech, financial advisers, expat finance или B2B SaaS; — не ищут разработчика, техническую часть закрывает основатель; — нужен человек, который сможет взять на себя коммерческую сторону: находить клиентов и партнёров, тестировать каналы продаж, строить B2B-направление и участвовать в fundraising в перспективе. Формат работы международный, география не критична, особенно интересны кандидаты из UK / EU / Australia / Middle East.

Location: Abu Dhabi, UAE; Kuala Lumpur, Malaysia About Us Established in 2018, Bybit is one of the world’s leading cryptocurrency exchanges and digital financial platforms, serving over 80 million users across more than 200 countries and regions. Powered by world-class technology and a user-first mindset, Bybit delivers a seamless ecosystem across trading, payments, wealth management, custody, institutional services, and Web3 — connecting users to the future of digital finance. Our core values define how we build. We listen, care and improve to create products and experiences that put users first. Backed by a global team of ambitious builders, problem-solvers, and innovators, we foster a high-performance and fast-moving environment where talent is empowered to drive real impact at the global scale. Supported by 24/7 multilingual customer service and a strong commitment to innovation, we are shaping the future of finance through technology, collaboration, and bold execution. Today, Bybit is recognized as one of the most trusted and transparent platforms in the digital asset industry, continuing to expand its global presence while building the infrastructure for the next generation of financial services. Responsibilities Own the product planning and iteration of payment channel integration and infrastructure capabilities, including bank integrations, payment gateways, settlement systems, and internal service frameworks. Design and optimize scalable integration solutions to support multiple payment methods, regions, and partner institutions. Collaborate with engineering teams to build stable, reusable, and extensible infrastructure services that improve integration efficiency and system reliability. Coordinate with external partners such as banks, payment service providers, and vendors to manage integration requirements, testing, launch, and ongoing optimization. Monitor core infrastructure and channel performance metrics, including transaction success rate, latency, system availability, and reconciliation accuracy. Analyze integration failures and operational issues (e.g. API errors, settlement mismatches, callback failures, connectivity issues) and drive root-cause resolution. Define operational processes and contingency mechanisms for channel incidents, failover strategies, and system degradation scenarios. Work closely with compliance, operations, risk control, and customer support teams to ensure infrastructure solutions align with business and regulatory requirements. Requirements 3+ years of experience in payment, fintech, infrastructure, or platform product management. Familiar with payment channel integration processes, API design principles, and distributed system architecture concepts. Understanding of payment lifecycle concepts such as authorization, clearing, settlement, reconciliation, and transaction routing. Strong analytical and problem-solving skills, with the ability to identify system bottlenecks and drive technical optimization initiatives. Ability to communicate effectively with both technical and non-technical stakeholders, and independently drive cross-functional projects. Strong ownership mindset with experience managing complex system integrations and infrastructure-related initiatives. Preferred Qualifications Experience with banking integrations, payment gateways, or acquiring systems. Experience in cryptocurrency exchanges, cross-border payments, or fintech infrastructure. Familiarity with service reliability, monitoring systems, or transaction routing strategies. Basic understanding of risk control, compliance, and operational processes in payment systems. Why Join Us At Bybit, we are committed to fostering a supportive and enriching work environment. Our benefits include: - Study Growth Fund: We support your professional development and continuous learning. - Internal Events: Participate in regular team-building activities, workshops, and events designed to promote collaboration and innovation. - Global Collaboration: Be part of a diverse, international team, working alongside colleagues from around the world. - Career Advancement: Access opportunities for growth and advancement within a rapidly expanding global company. - Internal Mobility: Grow with us- Your long-term development is important to us. We offer internal job opportunities to help build your career path.

Location: Belgrade; Lisbon Workplace: OnSite Aghanim is an integrated commerce, liveops automation, community engagement, and payments platform for video games.   Mobile games have traditionally depended on app stores for distribution, payments, and player relationships. We believe there is a better way. Aghanim helps game studios build direct relationships with players, sell directly, and build their future on their own terms. Today, more than 100 games worldwide are already building this future with Aghanim.   Our team brings together people across Los Angeles, New York, Seoul, Beijing, London, Lisbon, Belgrade and other locations around the globe, with deep expertise in gaming, fintech and technology. We move quickly, keep communication direct, and focus on getting things done. We believe the best people thrive when they have autonomy, ownership, and a stake in the company's success. [https://app.ashbyhq.com/api/images/user-content/4f457f07-466b-477b-b552-fbbabd850111/2de3a7cd-8843-41a9-8bbe-ceb897a42c4a/Logo%20(horizontal).svg] We're looking for a Senior Frontend Engineer to join our payments team and help build and evolve our Checkout experience. Checkout is the final step in a mobile game purchase — the interface where players around the world complete payments every day. It operates across 200+ countries and supports 130 currencies, 25 languages, and 100+ payment methods. Its performance, reliability, and UX directly impact payment success rates, conversion, and revenue. KEY RESPONSIBILITIES - Build and improve Checkout: add new payment flows, payment methods, and third-party SDK integrations. - Build a fast, simple, mobile-first interface that works well across browsers, WebViews, and in-app browsers, including on low-end devices and slow networks. - Improve Checkout performance and stability by finding bottlenecks and fixing issues in key user flows. - Use product data and experiments to find friction in the Checkout funnel, test ideas, and improve conversion. - Investigate production issues using logs, traces, product events, and metrics, and work with APIs and backend services when needed. - Take part in technical decisions and code reviews and help maintain frontend code quality. REQUIRED QUALIFICATIONS - 5+ years of professional frontend development experience with strong TypeScript and React skills. - Strong understanding of browsers, networking, and mobile web. - Experience improving web performance, including FCP, LCP, profiling, bundle size, and resource loading. - Experience building payment or other transactional flows, such as checkout, subscriptions, wallets, or payment SDK integrations. - Strong debugging skills and ability to investigate problems beyond the frontend layer. - Ability to own your work from implementation and release to stable operation in production. PREFERRED QUALIFICATIONS - Experience in fintech, payments, e-commerce, gaming, or other consumer products with a large mobile audience. - Understanding of payment concepts such as 3DS, payment statuses, saved payment methods, declines, and refunds. - Understanding of frontend security, including CSP, iframe security, and PCI scope. - Ability to read Go or Python and understand backend logic and APIs. - Experience using AI tools in day-to-day development. WHY JOIN US - World-class team – work alongside experienced professionals from around the globe who have built products used by millions of players - High growth, high impact – be part of a fast-growing company where ideas turn into products and reach customers in days, not months - Autonomy and ownership – we trust people to make decisions, take initiative, and drive results - Modern tools and technology – use AI, automation, and modern tools as part of your everyday work - Equity – participate in the company's growth and long-term success

Location: London Workplace: OnSite Company Description We’re http://checkout.comCheckout.com http://Checkout.com. You might not know our name, but companies like eBay, Spotify, Klarna, Uber, and Sony do, because we’re behind many of the digital experiences you use every day. We are where the world checks out, enabling over 10 billion transactions yearly for more than one billion global shoppers. Whether you want to book a holiday, order food, renew a subscription, or check out online, there’s a good chance our tech powers the payments behind the scenes. Our platform helps the most ambitious businesses deliver effortless digital experiences, at scale. If you want to do career-defining work, you’ve come to the right place. We move fast, think globally, and believe great teams are built by hiring exceptional people with conviction, curiosity, and the desire to make an impact. With 20 offices across six continents and London as our HQ, we’re shaping the future of fintech – and we’re just getting started. The Role We are excited to be growing our incredible London Legal team and are looking to hire 2 Legal Counsel with a strong regulatory background in financial services. As Legal Counsel, you will work closely with all areas of the business and take a collaborative approach to solving complex legal challenges. You will be expected to advise on compliance with financial services and payments regulations, interact with regulators and assist in the implementation of broader regulatory projects and product launches across the Checkout.com http://Checkout.com group. The successful candidate will be able to handle a busy workload with minimal supervision, demonstrating excellent critical judgment, quick thinking and agility. This is a great opportunity to work on a broad range of projects across multiple jurisdictions, learn new areas of law and play a key role in supporting the company’s rapid growth. You will be joining an expanding team in one of Europe's most valuable fintechs. Our mission is to be a legal team that exceeds expectations across the board, providing pragmatic and commercially focused advice, finding creative solutions to manage risk and becoming trusted advisers to our colleagues in the business. How You'll Make An Impact - This role is based in London at our global head office and sits within the regulatory vertical of our Legal department - Support relationships with regulators on license-related matters, including potential de novo applications - Review payments product structures, flows and terms to ensure compliance with legal requirements - Advise on payments regulatory matters, including compliance with payments laws and related regulations across our different jurisdictions - Advise on broader regulatory requirements applicable to payment services providers, including with respect to group regulatory change projects - Advise the business on market expansion, researching and evaluating new territories and applying for new licenses or expanding the scope of existing licenses - Advise key business functions on new regulatory developments impacting our operations, products and contractual commitments - Conduct research on various multi-jurisdictional legal issues - Support the company’s strategic projects and initiatives by providing creative, proactive and results-orientated advice What We Are Looking For - Qualified solicitor/lawyer (3-7 PQE) with strong post-qualification experience either in-house or in private practice - Strong understanding of legal principles applicable to payments in the UK, including the payments ecosystem and payments regulatory and licensing strategy/execution, and to broader financial institutions - Previous FinTech, payments, software, e-commerce and/or bank experience is desirable but not essential - Experience working in a start up or other fast-paced and dynamic environment is desirable but not essential - Comfort with ambiguity, constant change, and a fast-paced culture - A practical, solutions-oriented focus to solving legal challenges - Experience working internationally and on a variety of cross-border matters - Excellent time management skills and experience managing a diverse workload and competing stakeholder demands - Ability to work autonomously and collaboratively as needed, flexing the approach as the matter requires - Strong communication skills and the ability to articulate and explain complex legal issues clearly and concisely - Enthusiasm for new challenges and skilling up in different areas of law Additional Information Bring all of you to work We create the conditions for high performers to thrive, through real ownership, fewer blockers, and work that makes a difference from day one. Here, you’ll move fast, take on meaningful challenges, and be recognized for the impact you deliver. It’s a place where ambition gets met with opportunity, and where your growth is in your hands. We work as one team, and we back each other to succeed. So whatever your background or identity, if you’re ready to grow and make a difference, you’ll be right at home here. It’s important we set you up for success and make our process as accessible as possible. So let us know in your application, or tell your recruiter directly, if you need anything to make your experience or working environment more comfortable. Life at Checkout.com http://Checkout.com We understand that work is just one part of your life. Our hybrid working model offers flexibility, with three days per week in the office to support collaboration and connection. Curious about what it’s like to be part of our team? Visit our Careers Page https://www.checkout.com/careers to learn more about our culture, open roles, and what drives us. For a closer look at daily life at Checkout.com http://Checkout.com, follow us on LinkedIn https://www.linkedin.com/company/checkout/life/ and Instagram https://www.instagram.com/checkout_com/

Location: Limassol, Cyprus Workplace: on-site Our team is developing a payment gateway for accepting funds from users on behalf of merchants, as well as sending funds from merchants to users. The system involves storing user payment data and is subject to PCI DSS compliance. It contains multiple integrations with payment systems, providers, and other gateways and processors, including 3DS. We are seeking an experienced HR Manager to join our passionate team. Job Responsibilities: Act as the main HR point of contact for employees and managers, providing hands-on support across a wide range of people-related matters. Build strong relationships across the company and maintain a good understanding of employee experience, team dynamics, and emerging people needs. Partner with managers on performance, development, employee relations, organizational changes, and complex individual cases. Own and continuously improve key HR processes across the employee lifecycle, from onboarding and probation to development, internal moves, and offboarding. Review and adapt existing HR practices to better fit the company’s evolving needs, culture, and ways of working. Identify gaps and proactively design and implement new HR practices, policies, and solutions where needed. Use employee feedback and people data to identify trends, risks, and opportunities for improvement. Help build a scalable and effective People function that evolves together with the business. Take ownership of HR processes, policies, and benefits currently provided at group level, assess their fit for company, and adapt, replace, or redesign them where needed as the company evolves. Own and evolve employee benefits and related People programs, evaluating their effectiveness, employee value, cost, and fit with the company’s needs. Balance employee needs with business priorities, applying sound judgment and ensuring People decisions are practical, consistent, and aligned with the company’s goals and culture. Ensure HR practices and policies remain compliant with applicable employment requirements, working with internal or external legal and operational partners where necessary. You’ll thrive here if you have 5+ years of broad HR experience in a People Partner, HRBP, or Senior HR Generalist role, ideally within a technology, fintech, or other fast-paced environment. Strong hands-on experience across the employee lifecycle and solid knowledge of core HR processes. Proven experience independently owning and improving HR processes, not only supporting their execution. Ability to assess existing practices, identify what needs to change, and drive improvements from idea through implementation. Strong employee relations experience and confidence handling complex or sensitive individual cases. Comfortable being a visible and approachable HR presence for employees while partnering effectively with senior managers. Strong ownership, judgment, communication, and stakeholder management skills. Comfortable working in an evolving environment where processes and ways of working are still being developed. Experience building, transforming, or localizing HR practices would be a strong advantage. Fluent English. Russian is a plus. Conditions We know that great talent deserves great conditions, so here's what you can expect when joining us: EU-based employment contract and a 3-year Cyprus work visa with full support for your relocation and visa processes, including assistance for your family. EU passport. Opportunity to obtain an EU passport after 4 years of residence. Full relocation package: flights to Limassol for you and your family, a company-covered apartment for the first month, and full relocation support to make your move smooth and hassle-free. Transparent performance reviews twice a year, with bonus opportunities and salary adjustments. Private medical insurance for you and your family. Corporate mobile plan (unlimited in Cyprus with roaming included). Mindfulness & well-being support, including psychological assistance with 50% coverage. 50% coverage of school and kindergarten fees for your children. Fully covered sports benefits, and also access to in-house electric scooters and bike rentals. Provident fund (Cyprus): a long-term savings plan co-funded by you and the Company together (available after probation) that grows throughout your time with us in Cyprus. Professional growth support: language courses, conferences, training programs, and coaching. Peer recognition program: receive and share kudos for great work. A fully equipped office in Limassol’s city center, with everything you need for deep work and collaboration. Free breakfasts and lunches in the office and an in-house coffee bar with high-quality drinks and a health bar stocked with nutritious snacks. A strong engineering culture: international teams, corporate events, team buildings, and hackathons — because great work happens in great communities. Benefits are provided in accordance with the company’s policies and eligibility criteria. Recruitment process HR Interview (45 minutes); Hiring Team Interview (1 hour); Final interview (1 hour); Recommendations check; Job Offer.

Задачи: — монтаж 5–7 Reels в месяц; — монтаж коротких горизонтальных видео для YouTube; — работа с записями интерфейса, субтитрами, графикой и звуком. Требования: — опыт монтажа коротких роликов; — чувство ритма; — соблюдение сроков; — базовое понимание криптовалют; — опыт с fintech- и криптопроектами будет плюсом. Условия: — удалённая работа; — сдельная оплата за ролик; — стоимость согласуется по формату и сложности. Для отклика нужно прислать примеры работ, расценки, сроки монтажа, кратко рассказать об опыте с похожими проектами и знании криптотематики.

About the project: A fast-growing fintech startup providing SaaS solutions for institutional investors. The platform includes advanced solutions for financial analysis, trade flow management and portfolio management. Requirements: — Strong experience with C# / .NET / ASP.NET Core — Solid experience with Angular — Good understanding of SOLID principles and design patterns — Working knowledge of relational databases — Familiarity with Git — Good understanding of UI/UX principles — Experience working in an Agile environment — Strong communication and collaboration skills What we're looking for: — A self-driven engineer passionate about technology — Someone who takes ownership and accountability for their work — Strong attention to detail and a focus on quality — A proactive approach to automation and process improvement — Ability to clearly communicate technical ideas — Comfortable working in a fast-paced, highly collaborative environment — Open to feedback and able to work effectively with both technical and business stakeholders Responsibilities: — Design, develop and maintain components and frameworks for the client's technology ecosystem — Collaborate with internal and external stakeholders to understand application development needs — Research and evaluate new technologies and use cases — Identify inefficiencies and implement appropriate technology solutions — Contribute ideas and improvements to the product and development process

Location: Almaty, Kazakhstan Workplace: OnSite WHY WORK AT HIGGSFIELD AI? Higgsfield AI is the fastest-scaling generative AI company in history, hitting $1B in annual revenue run rate, 30M+ users worldwide, 6M+ generations per day, and powering 390 of Fortune 500 brands. We're building at the absolute frontier of AI-powered video creation and next-generation creative tools. Joining Higgsfield means becoming part of a high-impact team shaping the future of AI-native experiences, at a company that isn't just moving fast, but rewriting what fast looks like. WHAT THIS ROLE MEANS AT HIGGSFIELD Most subscription businesses lose a password. We lose GPU-seconds. When someone runs two hundred accounts off one card to harvest a per-account promotional grant, the cost lands on our compute bill the same hour, and it does not stop until somebody finds them. We have found operators doing exactly that — hundreds of accounts, synchronised signups, machine- generated emails, round-the-clock automation — and we have also found that most of our worst- margin accounts are not abusers at all, just heavy users on an unlimited plan. Telling those two apart, account by account, with evidence that survives being challenged, is this job. You are the person who finds them, proves it, and puts a number on it. You make sure: - Every enforcement action we take is backed by evidence a stranger could follow - We know what abuse cost us last month, on the same basis as last month - The detection system is measured against real cases, not against its own past decisions - When a ring changes shape, somebody notices this week — and that somebody is you WHAT YOU WILL DO Investigation & casework - Run ring investigations end to end: from a flagged account or a cost anomaly to a named cluster, its members, its signature, its lifetime economics and a recommended action. - Build the linkage yourself — shared payment instruments, IP and ASN concentration, email-stem families, registration bursts, behavioural and automation fingerprints — and know which links are evidence and which are coincidence. - Separate abuse from unprofitable-but-legitimate every single time. On an unlimited plan, negative gross margin is normal. Cost is a gate, never a trigger. - Triage the review queue the detection system produces, and feed what you learn back into it. Your adjudications are the only unbiased labels the scientist has. Evidence & defensibility - Produce evidence packages that hold up outside the company — to an external auditor, to a payment network, to a customer disputing a ban, to Legal enforcing our Terms. Our abuse work has already been used in all four contexts. - Write per-account, not per-ring, when the action is per-account. A ban list without a reason column is not evidence. - Know what our Terms of Use actually entitle us to do, and flag when the evidence supports the finding but not the action. Quantification & reporting - Own the abuse loss number: what it cost, on what basis, net of the revenue we reversed and the legitimate customers we caught by mistake. Same definition every month, written down. - Distinguish COGS burned, revenue at risk, revenue reversed and cash refunded — they are four different numbers and people will conflate them. - Build the recurring reporting that tells us whether the problem is growing, and the ad-hoc answer to "why did compute spike last Tuesday" that is due the same day. Monitoring & adaptation - Watch the detectors themselves. A rule that stops firing is a detection event, not a quiet week. - Check the instrument before explaining the movement: a missing upstream table, a silently dropped join, a vendor signal that went away. This has bitten us and it will again. - Spot new abuse patterns before they are in anybody's model — usually in a cost anomaly, a strange cohort, or a support ticket that does not fit. How we work - SQL and Python on raw payment, usage and identity data in BigQuery, without anyone preparing it for you. We use AI heavily — resourcefulness beats syntax. - Close partnership with the Antifraud data scientist (you validate what they build), Payments (chargebacks and processor signals), Support (the humans who meet your false positives) and Finance (the loss number goes in the accounts). WHO WE'RE LOOKING FOR - 2+ years doing investigative or risk analytics — fraud, abuse, trust and safety, AML, chargebacks, gaming or marketplace integrity. What matters is that you have chased real bad actors, not modelled them in the abstract. - Strong SQL, without help. Self-joins, window functions, cohort replay, and joining payments to usage to identity across messy keys. This is the single most-used skill in the role. - Python at working level for analysis — pandas, notebooks, a bit of graph work. - Investigative instinct: you follow the thread, you notice the thing that does not fit, and you can say when a pattern is a coincidence. - Evidentiary discipline: you can write up a finding so that somebody who distrusts you can check it, and you know the difference between "this looks like abuse" and "this is provable." - Unit-economics literacy: gross margin per account, what compute costs, and why a negative-margin customer may be entirely legitimate. - The judgment to escalate rather than act when the evidence is thin, and to say so in writing. - Clear written and spoken English, B2+. Backgrounds that often do well: - Fraud / risk analysts from fintech, payments, marketplaces, gaming, crypto or betting - Trust & safety investigators and platform-integrity analysts - Chargeback, dispute or AML analysts who write their own queries - Strong product or BI analysts who got handed the abuse problem and kept it WHAT THIS ROLE IS NOT This role is not a fit if you: - Want to build models full time — that is the Antifraud data scientist, and it is open - Want to do content moderation or NSFW classification - Would put an account on a ban list without being able to say why in one sentence - Treat every negative-margin account as an abuser - Need a labelled dataset or a clean table before you can start - Are uncomfortable that your work gets real people's accounts restricted, sometimes wrongly - Want predictable 9–5 workdays HIRING PROCESS - Screening call (30 min) - Hiring-manager screen (30 min) - Business case (1,5 hour) - Tech interview (1,5 hour) - Final interview (30 min) - Paid on-site trial (1 month) THE DEAL - Competitive salary in USD - Equity: participation in the company's stock option program - On-site role in Almaty, Kazakhstan - Relocation support (flight + temporary housing) - Flat structure, high autonomy, fast career growth

Location: Almaty, Kazakhstan Workplace: OnSite WHY WORK AT HIGGSFIELD AI? Higgsfield AI is the fastest-scaling generative AI company in history, hitting $1B in annual revenue run rate, 30M+ users worldwide, 6M+ generations per day, and powering 390 of Fortune 500 brands. We're building at the absolute frontier of AI-powered video creation and next-generation creative tools. Joining Higgsfield means becoming part of a high-impact team shaping the future of AI-native experiences, at a company that isn't just moving fast, but rewriting what fast looks like. WHAT THIS ROLE MEANS AT HIGGSFIELD Generative video has a problem most subscription businesses don't: every unit we sell costs us real compute. A stolen password costs a streaming service nothing. An account farm on an unlimited generation plan costs us GPU-seconds, at scale, every hour it runs. We have found organised operators running hundreds of accounts on a single card, reselling unlimited generations, and harvesting per-account promotional grants at industrial scale. We have also found that most of our negative-margin accounts are not abuse at all — they are ordinary heavy users on an unlimited plan, which is a pricing problem wearing a fraud costume. Telling those two populations apart, at account level, before the money is gone, is this job. You own the question of who is taking value they did not pay for, and the system that stops them. You make sure: - We catch abuse before the compute is burned, not in a post-mortem that reconciles the loss - Every enforcement action has a measured precision, a measured cost of being wrong, and a way back for the customer we got wrong - The difference between fraud and unprofitable pricing is a number we can defend, not a vibe - When operators adapt — and they will, within days — we find out from a monitor, not from the monthly margin review WHAT YOU WILL DO Detection & scoring - Own the account-abuse scoring system end to end: signals, weights, thresholds, the scoring job, the monitoring, and the recalibration when it decays. - Build detection that fires early. A rule that catches 88% of the money on day 11 is worth far less than one that catches 60% at checkout, and you should be able to say why in dollars. - Work the two halves that actually matter together: linkage (who is connected to whom) and economics (what are they consuming). Either one alone produces a system nobody can switch on — linkage without economics flags families sharing a card, economics without linkage flags our best customers. - Treat cost as a gate, not a label. On an unlimited plan, being gross-margin negative is normal. Entity resolution & ring detection - Find rings, not just accounts: shared payment instruments, IP and ASN concentration, email-stem families, synchronised registration bursts, behavioural fingerprints, automation signatures. - Do it without a reliable device fingerprint — we do not have one today, and part of this job is telling us what it would be worth and what it would cost. - Know where graph methods break. Transitive closure through a shared card will happily merge thousands of unrelated people into one "ring"; we have done exactly that and thrown the result away. Enforcement, policy & the cost of being wrong - Design graduated, reversible actions — throttle, rate-limit, step-up verification, hold, pre-grant refusal, manual review queue, ban — and match the severity to the confidence. - Own the false-positive budget explicitly: how many paying customers are we willing to inconvenience to save a dollar of compute, and what is the appeal path for the ones we get wrong. - Build the pre-grant gates. The cheapest abuse to stop is the kind we decline to enable in the first place — a trial we do not grant costs nothing to claw back. - Partner with Payments on Stripe Radar, chargebacks and dispute economics; with Support on the queue your model creates; with Legal on what our Terms actually entitle us to do. Measurement & adversarial monitoring - Quantify what the system is worth in money — COGS avoided, net of the revenue you destroyed and the support cost you created. Keep that number current. - Run holdouts even on enforcement, wherever it is legal and safe to do so, because otherwise you will never know what your rules are worth. - Monitor for adaptation, not just drift. Model decay here is caused by an adversary, and it looks different: a signal stops firing, a ring changes shape, a cohort's behaviour shifts inside a week. - Watch your own inputs. A detection system that silently loses a feature degrades to a system that cannot reach its own threshold — and reports nothing wrong while doing it. Making it usable - Ship scores and reasons, never scores alone. An analyst, a support agent or an auditor must be able to read why an account was actioned. - Produce evidence that survives outside the company. Our abuse work has already been used in an external audit and in Terms-of-Use enforcement; write for that standard. - Work in SQL, Python and BigQuery on raw event, payment and generation data. We use AI heavily — resourcefulness beats syntax. WHO WE'RE LOOKING FOR - Experience building abuse, fraud or trust-and-safety detection that actually took action on real users — payments fraud, promo abuse, multi-accounting, bonus abuse, account takeover, marketplace or gaming abuse. Anti-money-laundering and credit-risk backgrounds transfer if the modelling was yours. - Genuine understanding of the adversarial setting: that your counterparty responds, that your training labels are generated by your own past decisions, and that offline AUC on a censored label set is close to meaningless. - Strong SQL and Python on raw event data without help: joins across payments, usage and identity, window functions, cohort replay. Gradient boosting, and the judgment to know when a two-condition rule beats a model. - Comfort with graph and linkage thinking — connected components, shared-attribute clustering, and an instinct for when a link is evidence and when it is coincidence. - Precision-first evaluation instincts: precision at the operating point, cost-weighted error, and why you would take 20% recall at 90% precision over the reverse in an enforcement system. - Unit-economics literacy: gross margin per account, what compute actually costs us, why a negative-margin customer may be entirely legitimate. - The judgment to escalate rather than act when the evidence is thin, and to say so in writing. - Clear written and spoken English, B2+. Backgrounds that often do well: - Fraud / risk data scientists from fintech, payments, marketplaces, gaming or crypto - Trust & safety and platform-integrity teams who owned detection and enforcement policy - Growth or product data scientists who ended up owning promo-abuse because nobody else would - Analysts from payment processors, PSPs or chargeback/dispute operations who moved into modelling WHAT THIS ROLE IS NOT This role is not a fit if you: - Want to build content-moderation or NSFW classification — that is a different function here - Would ship a ban list without knowing its precision - Optimize AUC on a label set your own enforcement created, and call it validated - Need a labelled fraud dataset to exist before you can start - Treat every negative-margin account as an abuser - Are uncomfortable that being right 90% of the time means being wrong about real, paying, legitimate people — and that you own what happens to them - Want predictable 9–5 workdays HIRING PROCESS - Screening call (30 min) - Hiring-manager screen (30 min) - Business case (1 hour) - Take-home with real-shaped data (7 days, ~10–12 hours of work) - Team interview (60 min) - Paid on-site trial (1 month) THE DEAL - Competitive salary in USD - Equity: participation in the company's stock option program - On-site role in Almaty, Kazakhstan - Relocation support (flight + temporary housing) - Flat structure, high autonomy, fast career growth

Location: Almaty, Kazakhstan Workplace: OnSite WHY WORK AT HIGGSFIELD AI? Higgsfield AI is the fastest-scaling generative AI company in history, hitting $1B in annual revenue run rate, 30M+ users worldwide, 6M+ generations per day, and powering 390 of Fortune 500 brands. We're building at the absolute frontier of AI-powered video creation and next-generation creative tools. Joining Higgsfield means becoming part of a high-impact team shaping the future of AI-native experiences, at a company that isn't just moving fast, but rewriting what fast looks like. WHAT THIS ROLE MEANS AT HIGGSFIELD We sell subscriptions and credit packs to consumers in over a hundred countries, and today almost all of it moves as cross-border card payments in USD. That has three consequences, and this role owns all three. We are declined more than we should be. In some of our largest growth markets roughly one attempt in three fails, and a meaningful share of those are not "no money" — they are cross-border blocks, card limits, stale credentials on renewal, and issuers who do not recognise us. We pay more than we should. Our blended cost of acceptance is the single largest line below compute, and the majority of the network component sits on transactions our processor classes as cross-border. We are not on the rails our customers use. In two of our fastest-growing markets, the dominant local payment method is one we do not offer at all. You own the measurement and the argument behind fixing all of it. You make sure: - We know our true authorization rate — at the unit the business actually cares about, not the one that is easy to compute - Every basis point of payment cost has a name, a geography and an owner - A decline is a diagnosis, not a statistic - When we propose a new rail, a new entity or a new processor arrangement, the number underneath it holds up to Stripe's own analysis and to our board's WHAT YOU WILL DO Authorization & decline analysis - Own authorization rate end to end: by country, issuer, BIN, card brand and funding type, plan price point, first payment vs renewal, and payment method. - Build and maintain the decline taxonomy — what each decline code actually means, which are recoverable, which are terminal, and which are us rather than them. - Measure at the right unit. An invoice that succeeds on the third retry is a success, not two failures and a success, and reporting it the other way has made teams optimise the wrong thing. - Separate soft declines we can recover from hard declines we cannot, and put a number on the recoverable pool. Cost of acceptance - Own the blended take rate and its decomposition: interchange, scheme fees, processor markup, cross-border and currency-conversion components, disputes, and the fixed per-transaction pieces. - Find where the cost actually sits. Averages hide it — the cost is concentrated by corridor, by card type and by whether the transaction is domestic. - Build the evidence for commercial conversations with our processor, and keep it current enough to reuse. Local payment methods, entities and routing - Size the case for new rails market by market: what share of local commerce runs on them, what our current card performance costs us, and what we would realistically recover. - Model merchant-of-record and local-acquiring arrangements against the alternative of our own entities, honestly — including the fee we would pay for the privilege. - Design and read the experiments that prove it, with the product analytics team. A new payment method is an A/B test, not a launch. Renewals, dunning and involuntary churn - Own the retry and dunning strategy as a measurable system: when to retry, how often, through which rail, and when to stop. - Quantify involuntary churn separately from voluntary. They look identical in a cancellation count and they need completely different fixes. - Track the health of stored credentials — network tokens, card-account-updater coverage, expiring cards — because in a subscription business that is silent revenue leakage. Disputes, refunds and reconciliation - Own dispute and chargeback rates against network thresholds, with the lag handled properly — disputes arrive weeks after the charge and a same-period denominator understates you. - Reconcile processor data to the revenue ledger and explain the differences rather than plugging them. - Work with the antifraud team where disputes are abuse rather than genuine dissatisfaction. HOW WE WORK - SQL and Python on raw processor and billing data in BigQuery. We use AI heavily — resourcefulness beats syntax. - Partner with Finance (the numbers get booked), Product (checkout and paywall), Engineering (the billing integration) and our processor's team directly. WHO WE'RE LOOKING FOR - 2+ years in payments analytics, payment operations, billing, or risk at a merchant, PSP, acquirer, or fintech. This is a domain role — general analytics experience without payments does not transfer quickly enough. - Fluency in the actual mechanics: authorization vs capture vs settlement, decline codes, 3DS and SCA, network tokens and account updater, interchange and scheme fees, chargeback lifecycle, MCC, BIN, cross-border and DCC. - Strong SQL, without help. Most of this job is joining sessions to intents to charges to invoices to refunds across imperfect keys and getting the denominator right. - Python at working level for analysis. - The instinct to check the unit of measurement before quoting a rate — per attempt, per invoice, per user, per session are four different numbers and only one of them answers the question. - Comfort with subscription billing specifically: renewals, proration, plan changes, failed payments, dunning, involuntary churn. - Commercial judgment: you can build the case for a rail or a rate and defend it against a vendor who does this for a living. - Clear written and spoken English, B2+. Backgrounds that often do well: - Payment operations or payments analytics at a consumer subscription, marketplace or gaming company - Analysts from PSPs, acquirers, orchestration platforms or card networks - Billing / revenue operations analysts who owned dunning and involuntary churn - Risk or chargeback analysts who moved toward the acceptance side WHAT THIS ROLE IS NOT This role is not a fit if you: - Want to own checkout UX or pricing — that is Product Analyst, and it is open - Want to build fraud models — that is the Antifraud data scientist, and it is open - Would report an authorization rate without saying what the denominator was - Would take a processor's own analysis of their own performance at face value - Need someone else to prepare the data - Want predictable 9–5 workdays HIRING PROCESS - Screening call (30 min) - Hiring-manager screen (30 min) - Business case (1 hour) - Take-home with real-shaped data (7 days, ~10–12 hours of work) - Team interview (60 min) - Paid on-site trial (1 month) THE DEAL - Competitive salary in USD - Equity: participation in the company's stock option program - On-site role in Almaty, Kazakhstan - Relocation support (flight + temporary housing) - Flat structure, high autonomy, fast career growth

Описание проекта: создание экосистемной Customer720 платформы. Данные из банковских систем и CRM других бизнесов. Задачи: — Владеть архитектурой и развитием Data Core. — Проектировать слои Bronze / Silver / Gold и модели данных. — Исследовать банковские, legacy- и внешние источники, восстанавливать их семантику. — Строить pipelines от raw-данных до подготовленных data products. — Разрабатывать трансформации на SQL / dbt / Python. — Определять инженерные стандарты для ELT, data modelling, metadata, lineage и data quality. — Развивать data catalog и metadata-as-code подход. — Проектировать data contracts и интеграции Data Core с другими компонентами. — Переводить исследовательские решения и ручные процессы в production. — Работать с Git, CI/CD, Docker, Linux и закрытыми Dev/UAT-контурами. Требования: — Совокупный релевантный опыт не менее 6 лет обязательно. — Банковские или fintech-данные. — Core banking / legacy banking systems. — Опыт работы Lead / Staff / Principal Data Engineer или сильного Senior с архитектурным ownership. — Опыт проектирования и самостоятельной реализации data platform / DWH / Lakehouse. — Customer 360 / Golden Record / MDM. — Сильный SQL и уверенный Python. — dbt или аналогичные transformation frameworks. — Airflow / Dagster / Prefect или аналоги. — Хорошее понимание data modelling, historization, grain и master entities. — Практический опыт data quality, lineage и metadata management. — Data Vault 2.0. — OpenMetadata или другие data catalog solutions. — Умение самостоятельно принимать технические решения и отвечать за результат. — Опыт работы с плохо документированными источниками. — Git, CI/CD, Docker, Linux. — Практический AI-native способ разработки. Условия: — Оформление: ИП, ГПХ. — Формат работы: полная занятость.