IC4 Product Engineer India - Technology
Posted on: January 02, 2026 | IC4 (Senior Engineer)
Company Name: WISE (Formerly TransferWise)
Application Deadline: Open Until Filled
Team: Technology-Indian Product Team
Reports To: Engineering Manager | Experience Level: IC4 (Sr. Engr)
Division: Product Engineering | Employment Type: Full-Time
Location: Telangana, Hyderabad, India | Schedule: On-Site
About Wise
Wise is a global technology company revolutionizing how the world moves and manages money. With our commitment to minimum fees, maximum ease, and full speed, we're making international money transfers faster, cheaper, and more transparent for millions of people and businesses worldwide.
Whether customers are sending money to another country, spending abroad, or making and receiving international payments, Wise makes their lives easier while saving them money. We're building an entirely new network for the world's money—for everyone, everywhere.
Join our global community of 6,500+ Wisers representing 70+ nationalities, working from offices spanning Austin to Tokyo and everywhere in between, united by our mission to democratize access to fair financial services.
The Opportunity
Wise is opening a brand-new office in Hyderabad that will be at the heart of product development for the company. This is a once-in-a-career opportunity to be part of the founding product engineering team in one of Wise's most strategic markets.
We're seeking a tenured Full Stack Engineer at the IC4 level to join our very first product team in Hyderabad, which will play a critical role in Wise's Asia & Pacific regional expansion. This isn't just another engineering role—it's a chance to shape the foundation of how millions of Indian customers will experience Wise's revolutionary cross-border payment services.
APAC customers are strong contributors to Wise's growth, and India plays a crucial part in this success. A significant portion of this growth comes from new customer acquisitions, making fast, convenient, and delightful customer onboarding journeys and seamless money movement absolutely central to our expansion strategy. That's the mission of the India Product team, and we're looking for exceptional engineers who can make this happen.
If building scalable fintech systems, disrupting the cross-border payments industry dominated by traditional banks, and being part of a founding team sounds like an exciting challenge, we'd love to hear from you.
Core Responsibilities
Product Development for the Indian Market
You'll develop Wise's products specifically tailored for customers in the Indian market, directly contributing to disrupting the cross-border payments industry that is currently dominated by traditional banks. Your work will make international money transfers more accessible, affordable, and transparent for millions of Indian customers and businesses.
This involves understanding the unique characteristics of the Indian market—customer behaviors, payment preferences, regulatory requirements, and competitive landscape—then translating these insights into product features and technical solutions that deliver exceptional customer experiences.
Customer Onboarding Solutions
You'll design and build onboarding solutions specifically tailored to the Indian market by leveraging the local KYC (Know Your Customer) stack and understanding the nuances of India's identity verification ecosystem. This includes integrating with Aadhaar, PAN, and other local identity verification systems to create seamless onboarding experiences.
Your focus will be developing robust systems that onboard customers without delays while maintaining complete compliance with local regulations including RBI guidelines, FEMA requirements, and anti-money laundering protocols. You'll balance speed and convenience with regulatory compliance and risk management—a critical balance in the highly regulated fintech space.
The onboarding experience you build will be the first impression millions of customers have of Wise, so excellence in user experience, performance, and reliability is essential.
Money Movement Systems Development
You'll develop scalable money movement systems that bring the speed and convenience of domestic payment processing to cross-border payments. This involves building integrations with India's payment infrastructure including UPI, IMPS, NEFT, RTGS, and emerging payment rails.
Your systems will handle millions of transactions, requiring robust architecture, careful attention to data consistency, comprehensive error handling, and intelligent retry mechanisms. You'll build solutions that process customer payments and data in scalable and cost-efficient ways, optimizing for both operational excellence and customer experience.
Money movement is at the core of Wise's value proposition, so your work directly impacts how customers perceive our service quality, reliability, and speed.
Technical Excellence and Leadership
As an IC4 engineer, you'll consistently work toward technical excellence within the team. This means writing clean, maintainable code, conducting thorough code reviews, establishing engineering best practices, and mentoring other engineers.
You'll lead large-scale projects that require heavy collaboration with teams across Wise globally, delivering solutions that have impact beyond your immediate team. Your technical leadership influences architectural decisions, technology choices, and engineering culture within the India office.
Automation and Tooling
You'll build and maintain automations and tooling that enable efficient operations at scale. This includes developing internal tools for operations teams, creating automated testing frameworks, implementing deployment pipelines, and building monitoring and alerting systems.
Your automation work reduces manual effort, minimizes human error, improves operational efficiency, and allows the team to scale without proportional increases in operational overhead.
Observability and Analytics
You'll utilize the observability stack and analytics to identify gaps, unlock new opportunities for growth, and drive operational excellence. This involves implementing comprehensive logging, metrics collection, distributed tracing, and building dashboards that provide visibility into system health and business metrics.
Your analytical work helps the team understand system behavior, identify performance bottlenecks, detect anomalies early, and make data-driven decisions about technical and product priorities.
Cross-Functional Collaboration
You'll collaborate with various stakeholders throughout Wise—including Product Managers, Designers, Operations teams, Compliance, Legal, and other engineering teams globally. You'll plan and contribute to both product and technical roadmaps, ensuring alignment between business objectives and technical execution.
Your ability to communicate technical concepts to non-technical stakeholders and understand business requirements in technical terms is crucial for success in this role.
Strategic Technical Contributions
Beyond day-to-day development, you'll contribute strategically to technical architecture, technology stack decisions, and engineering processes. As part of the founding team, your early decisions will establish patterns and practices that scale as the team grows.
You'll balance moving quickly to deliver customer value with building sustainable systems that won't require complete rewrites as the product matures. Your engineering judgment is critical to achieving this balance.
Required Qualifications
Technical Expertise
You're a tenured full-stack engineer with deep expertise across the entire technology stack. You're comfortable working with backend systems built in Java, Kotlin, or similar JVM languages, and frontend applications using React, TypeScript, or modern JavaScript frameworks.
You have strong foundations in computer science fundamentals including data structures, algorithms, system design, and distributed systems. You understand database design, API design, asynchronous processing, event-driven architectures, and microservices patterns.
Experience Level
As an IC4 engineer, you bring significant experience building and operating production systems at scale. You've worked on complex technical problems, led technical initiatives, and delivered projects that required coordinating multiple teams and dependencies.
You have experience with the full software development lifecycle from requirements gathering through deployment and operations. You understand what it takes to build reliable, secure, and performant systems that serve real users.
Fintech and Payments Knowledge
While not strictly required, experience in fintech, payments, or financial services is highly valuable. Understanding payment processing flows, settlement cycles, reconciliation, fraud detection, and regulatory compliance requirements accelerates your impact in this role.
Familiarity with India's payment ecosystem—UPI, IMPS, NEFT, RTGS—and regulatory landscape provides significant advantage.
Problem-Solving and Ownership
You're a strong problem solver who takes ownership of challenges from identification through resolution. You don't just identify problems—you propose solutions, build consensus, and drive implementation.
You're comfortable working with ambiguity, breaking down complex problems into manageable pieces, and making pragmatic technical decisions that balance competing concerns like speed, quality, scalability, and maintainability.
Collaboration and Communication
You communicate effectively with both technical and non-technical audiences. You write clear documentation, explain technical decisions, give and receive constructive feedback, and collaborate productively with diverse teams across time zones and cultures.
You're a team player who contributes to positive team culture, shares knowledge generously, and helps others succeed.
Quality and Craftsmanship
You care deeply about code quality, system reliability, and user experience. You write tests, consider edge cases, handle errors gracefully, and think about operational concerns like monitoring, logging, and debugging.
You balance perfectionism with pragmatism, knowing when to invest in quality and when to move quickly and iterate.
Learning and Growth Mindset
You're committed to continuous learning and staying current with technology trends, tools, and best practices. You're curious, ask questions, experiment with new approaches, and help the team evolve its practices.
You're excited about working in a fast-paced environment where priorities shift, requirements evolve, and learning happens continuously.
What We Offer
Founding Team Impact
Join the founding product engineering team in Wise's Hyderabad office. Your early contributions will shape technical architecture, engineering culture, and product strategy for years to come. This is an opportunity to have outsized impact and be part of building something from the ground up.
Meaningful Mission
Work on products that make a real difference in people's lives. Cross-border payments are often expensive, slow, and opaque. Wise changes this by offering fast, cheap, and transparent international transfers. Your work directly helps people send money to family, businesses pay international suppliers, and expats manage finances across countries.
Technical Challenges
Tackle complex technical challenges at the intersection of payments, compliance, scalability, and user experience. Build systems that process millions of transactions reliably, securely, and efficiently while meeting strict regulatory requirements.
Global Collaboration
Work with talented engineers, product managers, and designers across Wise's global offices. Learn from diverse perspectives, contribute to company-wide initiatives, and build relationships with colleagues worldwide.
Growth and Development
Wise invests in employee growth through learning opportunities, mentorship, and career progression pathways. As an IC4 engineer on a founding team, you'll have significant opportunities to expand your skills, take on new challenges, and progress your career.
Innovative Culture
Join a company that values innovation, experimentation, transparency, and customer obsession. Wise's engineering culture emphasizes autonomy, ownership, continuous improvement, and data-driven decision making.
Competitive Compensation
Receive competitive compensation including base salary, equity, and benefits. Wise offers comprehensive health insurance, learning budgets, flexible working arrangements, and other benefits supporting employee wellbeing and work-life balance.
About Diversity and Inclusion at Wise
For everyone, everywhere. We're people building money without borders—without judgment or prejudice, too. We believe teams are strongest when they are diverse, equitable, and inclusive.
We're proud to have a truly international team, and we celebrate our differences. Inclusive teams help us live our values and make sure every Wiser feels respected, empowered to contribute toward our mission, and able to progress in their careers.
Application Process
If you're a seasoned full-stack engineer excited about fintech, passionate about solving complex technical problems, and ready to be part of a founding team building the future of cross-border payments in India, we'd love to hear from you.
Apply now to join Wise's Hyderabad office and help us make international money transfers faster, cheaper, and more transparent for millions of customers.
To learn more about life at Wise, visit Wise.Jobs and follow us on LinkedIn and Instagram.
Wise is an equal opportunity employer committed to building diverse, equitable, and inclusive teams across the globe.
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