Backend Engineer - Ruby on Rails

About Us
Hello Clever is building the next generation of payments and loyalty infrastructure by turning every transaction into growth for merchants.
We're an AI-powered fintech operating across 26+ markets, helping businesses move money in real time and convert payments into measurable outcomes like higher repeat rates, bigger baskets, and smarter customer engagement. Our platform combines local account-to-account rails, embedded cashback and loyalty products, and powerful data intelligence through Clever AI, so merchants can launch offers, optimise ROI, and scale faster, all through a single integration.
We recently crossed $70M in live ARR and are on track to pass $100M by the end of 2026-just 2.3 years after reaching our first $1M. It's an exciting milestone that reflects the scale of what we're building and the opportunity ahead.
We're also proud to be recognised on the global stage, including being named Australia's fastest-growing fintech, recognised in Forbes Asia's Top 100, ranked among the AFR Fastest-Growing Companies, and selected for Inc. Magazine's Best in Business.
Responsibilities
Design, build, and operate reliable backend services for payment products using Ruby and Ruby on Rails.
Build and maintain APIs, services, and third-party integrations.
Implement payment flows across multiple currencies, countries, and payment methods.
Handle refunds, retries, idempotency, webhooks, asynchronous processing, and partial failures.
Write clean, maintainable, and testable code; participate in code reviews and refactoring.
Improve system performance, reliability, observability, and security.
Investigate production issues, contribute to root-cause analysis, and prevent regressions.
Collaborate with product, QA, and other engineers; communicate risks early.
Requirements (Must Have)
3+ years of professional backend engineering experience for middle level, or 5+ years for senior level, including hands-on experience building applications with Ruby and Ruby on Rails.
English communication proficiency at B2 level or above.
Experience designing, building, and operating production APIs and backend services, including authentication and authorization, pagination, validation, and consistent error handling.
Practical experience troubleshooting production issues using application logs, metrics, stack traces, and database queries.
Working knowledge of relational databases, preferably PostgreSQL or MySQL, including schema design fundamentals, indexes, transactions, and writing SQL for investigation and troubleshooting.
Experience working with background jobs and asynchronous workflows, including queues, retries, failure handling, and idempotency.
Experience debugging issues across APIs, background jobs, databases, and external service integrations.
Nice to Have
Payment or fintech experience.
Redis, Sidekiq, Kafka (or similar) experience.
AI-assisted coding/debugging tools (Claude Code/Copilot/Cursor) with strong review discipline.
Cloud infrastructure and containers.
PCI-aware development practices.
What We Value
Strong ownership and accountability for quality and release readiness.
Calm, structured risk-based thinking under delivery pressure.
Clear communication with engineering, product, and business stakeholders.
Practical mindset: improve processes without over-engineering.
Continuous learning and high attention to detail.
Why join Hello Clever?
High-Growth Fintech: Be part of a company leading the future of real-time payments and loyalty solutions.
Global impact - We're live in 22+ markets and growing fast.
Category-defining product - Real-time payments, instant cashback, AI-powered merchant tools.
Mission-driven - We're here to make money smarter, fairer and faster for everyone.
Dynamic Culture: Join a passionate, results-driven team that values innovation and collaboration.
How To Apply
We Like To Keep Things Simple, But We Also Want To Make Sure This Is The Right Fit For Both Of Us. Here's What To Expect
Phone screen - quick phone screen to learn a bit more about you, your experience and why you're keen to join the team
A Technical Interview - To get to know you, your experience, and what makes you tick.
A Problem Solving Interview - A final round virtual interview to showcase your skillset and your technical abilities
Sound like you? Let's talk. Drop us a note at [protected info]
Direct applicants only, no agencies.