Raisin

Senior Software Engineer - US Payments and Partner Operations

••
2 months ago
Estimated salary
€5,342 – €7,845per month

Auto-estimated from similar roles, location, experience & market data. Actual pay may vary.

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Description

Raisin is a leading fintech platform for savings and investment products, connecting consumers with banks across the EU, UK, and US. The company manages over 80 billion euros in assets for more than one million investors. As a Senior Software Engineer on the US Payments and Partner Operations team, you will own the core money-movement stack, including ACH payments, reconciliation, and customer account lifecycle. You will also manage the B2B layer for onboarding banks and custodians, and contribute to the internal platform portal. This role involves delivering features end-to-end, improving engineering practices, and mentoring other engineers.

Requirements

  • Designing, optimizing, and maintaining robust enterprise APIs using .NET Web API.
  • Building and structuring web applications with .NET.
  • Strong relational database design, complex querying, and performance tuning in SQL Server.
  • Deep understanding of SOLID principles and a proven track record of writing Clean Code.
  • Practical experience working within modern architectural patterns, specifically Clean / Onion Architecture.
  • Willingness to step out of .NET comfort zone to touch React components or Go microservices.
  • Highly analytical with a strong focus on detail and quality.
  • Team-first collaborator who thrives on open communication and cross-layer collaboration.

Experience Level

InternEntry LevelMid-levelSeniorLeadExecutive

Benefits

Employee Development Budget of €2,000 and four full training days per year.
Flexible working hours, home office and 30 vacation days.
Company pension scheme (Betriebliche Altersvorsorge) supported with 20%.
Urban Sports Club membership subsidized with more than €20 per month.
Deutschland Ticket subsidized with €25 per month.
JobRad bike leasing with tax savings and monthly insurance costs covered.
Snacks, daily fresh fruit, and drinks provided at the office.

💰 Net Salary Calculator

Tax class 1, no church tax
Gross Salary
€79,116/year
€6,593/month
Total Deductions
€31,538
40% effective rate
Net Salary (Take Home)
€3,964/mo
€47,578/year

Deduction Breakdown

🏛️ Income Tax€15,376
🏦 Pension Insurance€7,357
🏥 Health Insurance€6,103
🫶 Care Insurance€1,674
📋 Unemployment Insurance€1,028

🏠 Cost of Living in Berlin

Monthly Essentials

Rent (1BR)
€1231
Groceries
€280
Transport
€75
Utilities
€220
Internet
€40

Lifestyle & Entertainment

Eating Out
€13
Gym/Month
€45
Coffee
€4
Beer (0.5L)
€4
Cinema
€12
Monthly Net Salary:€3,964
Comfortable Living:€1,897
Monthly Savings:€2,067 (52%)
💰

Strong savings potential: You could save €2,067 monthly, which is €24,804 per year.

💡 These estimates are based on average costs in Berlin. Actual expenses vary based on lifestyle, neighborhood, and personal choices. "Comfortable living" includes rent, utilities, groceries, transport, and reasonable dining/entertainment.

Eligible for the EU Blue Card

A salary of €79,122 meets the EU Blue Card minimum of €45,300 (2026).

The EU Blue Card is a residence permit for highly qualified non-EU workers. It offers a fast track to permanent residency and allows family reunification.

Processing
4-12 weeks
Visa fee
€100
Requirements
University degree + Job offer

Also eligible: EU Blue Card (Shortage Occupation) (€41,042+)

Documents needed

Valid passport
Recognised university degree
Employment contract or binding job offer
Proof of salary meeting threshold
Health insurance coverage
Biometric passport photo
Explore visa & relocation guides

📍 Life in Berlin

👥
Population
3.6M
⭐
Quality of Life
8.0
🇬🇧
English Friendly
9.0
💻
Tech Scene
9.0
🌍
International
10.0
🚇
Public Transport
9.0
🚴
Bikeability
9.0
🌬️
Air Quality
6.0
🌳
Green Spaces
7.0
🚗
Car Free
8.0
ℹ️

About Berlin

  • •Creative and tech hub
  • •Diverse neighborhoods
  • •Excellent public transport
🌤️

Climate

  • •Continental climate
  • •Cold winters
  • •Mild summers
  • •Four distinct seasons
❄️Jan: 0°C☀️Jul: 19°C📅Avg: 10°C
☀️1625 sunshine hours/year
🛡️

Safety

  • •Generally safe
  • •Higher petty crime than Munich
  • •Some areas less safe at night
Overall:7.0
🏥

Healthcare

  • •Good hospital network
  • •Charité is world-renowned
  • •Wait times can vary
Quality: 9.0Access: 8.0
🎭

Culture

  • •World-class museums
  • •Vibrant art scene
  • •Rich history
10.0
🎉

Nightlife

  • •Famous club scene
  • •Diverse nightlife
  • •24/7 culture
10.0
🏞️

Recreation

  • •Many parks
  • •Lakes
  • •Tiergarten
  • •Active outdoor scene
8.0
💰

Cost of Living

  • •More affordable than Munich
  • •Prices rising rapidly
  • •Still cheaper than many European capitals
🏠 Rent (1BR center):€1231
⚡ Utilities:€220
🛒 Groceries:€280
🍽️ Dining out:€16
€per month
€2kthis job posts €5k – €8k€20k

Your situation in Germany

The default for anyone single, divorced or widowed.

Only changes the church tax rate — 8% in Bavaria and Baden-Württemberg, 9% everywhere else.

Childless employees over 23 pay a higher Pflegeversicherung (care insurance) rate.