Plata Card

Role Description We're looking for a Middle+ Software Engineer - Java/Kotlin to join our Auth team — a team that owns authorization for our mobile app Plata and for web, sitting at the intersection of authorization and infrastructure. Almost everything else depends on this domain working correctly, which makes the job both high-impact and genuinely hard: dozens of internal teams rely on us, requests may require upfront analysis and discovery, and a task that seems straightforward on paper can unveil fascinating architectural challenges once you dive in. It's the kind of environment where priorities shift and incidents happen — we are looking for someone who can adapt quickly to changing contexts and confidently design solutions, rather than waiting for a fully-scoped plan. Challenges that await you: - Work within our authorization domain, getting hands-on with OAuth2 flows and the AWS infrastructure behind them - Handle integrations and feature development for internal consumer teams - Clarify requirements with stakeholders, and design the solution - Participate in incident response and on-call rotations when things break, to keep our infrastructure robust - Build solid, high-quality solutions efficiently in a fast-paced environment - Launch new platform initiatives from the ground up as our ecosystem evolves Qualifications - Minimum of 3 years of experience in a similar position - Strong knowledge of one of the JVM languages (Java, Kotlin, or Scala). Currently, we are using Kotlin, and familiarity with it will be an advantage. - You have worked with Micronaut, PostgreSQL, Redis, Kafka - If you're not familiar with Micronaut but work with Spring and its ecosystem — we're looking for you too - Comfortable with ambiguity: you can take a vaguely described problem, figure out what's actually being asked, and design a reasonable solution yourself - Prior experience in a platform team (rather than pure product development) is a strong green flag — you know what it's like to serve many internal consumers and juggle competing priorities - B1 or higher English level for effective communication with an international team Requirements - Experience leading a non-trivial refactor, spotting architectural problems early, or designing systems in conditions of real uncertainty (Bonus) - An interest in eventually working with Go is also a plus (Bonus) Benefits - Relocation support to Serbia, Cyprus, Georgia or Kazakhstan with full visa & permit support to the employee and family - Flexible work from one of our offices or remote - Healthcare Coverage - Education Budget: Language lessons, professional training and certifications - Wellness Budget: Mental health and fitness activity reimbursements - Vacation policy: 20 days of annual leave and paid sick leave Company Description - Innovative Spirit: A commitment to creativity and groundbreaking solutions - Honest Feedback: valuing open, transparent communication - Supportive Team: a strong, collaborative community - Celebrating Achievements: recognizing our wins together - High-Tech Environment: a team full of smart and revolutionary people who dare to challenge the status quo of incumbent finance

Role Description At Plata, we are building one of the most ambitious financial products in the world. Our mobile application is at the center of our customer experience, serving hundreds of thousands of users and growing rapidly. We are looking for a Head of iOS who will lead the iOS direction across the company, combining technical excellence, organizational leadership, and product mindset. In this role, you will be responsible for the iOS strategy, engineering culture, technical architecture, and delivery effectiveness across multiple product teams. You will work closely with engineering, product, design, and business leaders to ensure that our mobile platform continues to scale while maintaining exceptional user experience and engineering quality. Challenges that await you: - Define and own the long-term iOS engineering strategy - Lead and develop a team of senior engineers, tech leads - Drive architectural decisions and ensure the scalability, reliability, and maintainability of the iOS platform - Establish engineering standards, development practices, and quality processes across teams - Build and evolve a modern mobile technology stack and development ecosystem - Continuously improve engineering productivity through automation, tooling, and CI/CD improvements - Partner with product and design leaders to deliver outstanding customer experiences - Support organizational growth through hiring, onboarding, mentoring, and succession planning - Enable multiple product teams to move independently while maintaining platform consistency - Balance technical investments with business priorities and delivery goals - Foster a culture of ownership, collaboration, innovation, and continuous improvement Qualifications - Proven experience leading engineering teams in mobile development environments - Strong hands-on background in iOS development and modern Apple technologies - Experience managing senior engineers, tech leads, or engineering managers - Deep understanding of software architecture, scalability, and maintainable mobile platforms - Experience building or scaling engineering organizations in high-growth environments - Strong delivery and execution mindset combined with strategic thinking - Experience improving engineering productivity through automation and process optimization - Excellent communication and stakeholder management skills - Ability to influence technical and organizational decisions across multiple teams - Comfortable operating in fast-changing environments and taking ownership end to end - English proficiency at B2 level or higher for effective collaboration with an international team Benefits - Relocation support to one of our hubs — Cyprus, Serbia, Spain, Georgia — with assistance for the employee and their family - Flexible work from one of our offices or remote - Healthcare Coverage - Education Budget: Language lessons, professional training, and certifications - Wellness Budget: Mental health and fitness activity reimbursements - Vacation policy: 20 days of annual leave and paid sick leave

Role Description We are looking for a Data Analyst for our Risk AI Platform - the group that owns the data and ML infrastructure behind Plata's credit decisioning. At the center of that infrastructure is our feature store: the system that turns raw external and internal data into the features that power our scoring models, both in research and in real-time production. The role sits at the intersection of data engineering, analytics, and ML: you'll spend most of your time in SQL, dbt, Python, and Snowflake, building reliable pipelines and making sure the features our models consume are correct, consistent, and well-monitored - offline and online. Challenges that await you: - Develop and maintain the feature store: design and optimize dbt models across our multi-layer pipeline, from raw ingestion through parsing, unification, and domain modeling to production-ready feature sets. - Onboard new external data sources (credit bureaus, alternative data, identity and scoring providers) into the platform — from raw parsing to production features. - Guarantee consistency between training and serving: build checks and monitoring that catch feature drift, mismatches, and data-quality issues before they reach a model. - Own data quality and observability for the features you ship — freshness, completeness, lineage, and reconciliation. - Work closely with data scientists and ML engineers to productionize features for scoring models, and help turn research feature logic into robust, tested pipeline code. - Improve our tooling, standards, and documentation so the whole team ships features faster and more safely. Qualifications - 2-3 years of experience in a data engineering, analytics engineering, or strongly engineering-oriented data analyst role. - Strong SQL: you're comfortable writing and optimizing complex queries. - Solid Python for data work (data pipelines, scripting, pandas). - Hands-on experience with dbt, or with building ETL/ELT pipelines you can map onto dbt. - A working understanding of ML — enough to reason about features, training/serving consistency, and how your pipelines feed a model. - A data-quality mindset: you care about correctness, reproducibility, and monitoring, not just getting the number out. - B1 or higher English level for effective communication with an international team. Requirements - Background in Risk, credit, lending, or fintech. - Experience with Snowflake (or a comparable cloud data warehouse) and a cloud platform (AWS). - Familiarity with feature stores, ML model registries. - Comfort with A/B testing and applied statistics. - Experience with orchestration and CI/CD for data. Benefits - Relocation support to one of our hubs — Cyprus, Serbia, Georgia or Kazakhstan — with assistance for the employee and their family. - Flexible work from one of our offices or remote. - Healthcare Coverage. - Education Budget: Language lessons, professional training and certifications. - Wellness Budget: Mental health and fitness activity reimbursements. - Vacation policy: 20 days of annual leave and paid sick leave.

Role Description The Chat team is responsible for building and maintaining Chat for both customer and operational use in mobile app and web interfaces, including Chat Bot solutions for customer support. Our main focus is on combining great customer experience, operational efficiency, and communication channel with high engagement. As the company grows, the Chat Bot powered by LLM becomes one of our key tools for scaling support — and we're looking for someone to help us make it better every day. - Enhance Support Chat Bot performance and quality, focusing on customer experience, operational cost efficiency and measurable improvements in resolution rate and response relevance. - Build quality assurance and coverage improvement processes — identify gaps, prioritize fixes, and establish a systematic approach to evaluating response quality. - Break down product ideas from Product Managers and stakeholders into clear, actionable tasks with well-defined acceptance criteria and edge cases. - Manage the full task lifecycle: gather and analyze requirements, write specifications, and collaborate with Engineering, Design, and Operations teams to deliver features. - Communicate with stakeholders to align expectations and clarify requirements, closely collaborate with Customer Service and Learning Experience product and OPS teams. - Conduct research and use data to evaluate feature performance and identify areas for improvement. - Maintain clear, structured, and up-to-date documentation. Qualifications - 1+ year of experience as a Business Analyst or System Analyst in product, fintech, or operational environments. - Strong analytical and problem-solving skills, with the ability to gather, analyze, and align business requirements. - Experience writing specifications, creating development tasks, and supporting their implementation. - Basic technical background: able to write simple SQL queries, read logs, use Postman or similar tools. - Responsibility, proactivity, and ownership mindset. - Experience working across multiple teams and stakeholders. - B2 or higher English level for effective communication with an international team. Requirements - Spanish at any level (bonus skill). - Experience with LLM projects (bonus skill). - Basic understanding of A/B testing and product/quality metrics (bonus skill). Benefits - Relocation support to one of our hubs — Mexico, Serbia, or Georgia — with assistance for the employee and their family. - Flexible work from one of our offices or remote. - Healthcare Coverage. - Education Budget: Language lessons, professional training and certifications. - Wellness Budget: Mental health and fitness activity reimbursements. - Vacation policy: 20 days of annual leave and paid sick leave. Company Description - Innovative Spirit: A commitment to creativity and groundbreaking solutions. - Honest Feedback: Valuing open, transparent communication. - Supportive Team: A strong, collaborative community. - Celebrating Achievements: Recognizing our wins together. - High-Tech Environment: A team full of smart and revolutionary people who dare to challenge the status quo of incumbent finances.

Role Description The Authentication team is responsible for how users securely access and interact with the bank. We build and improve authentication, authorization, and confirmation mechanisms that protect customer accounts while keeping critical user journeys simple and convenient. The team owns a wide range of scenarios, including: - Login and device management - User verification - Confirmation of payments and sensitive actions - Other security-related customer interactions As Plata expands its business banking offering, the team is also responsible for authentication and authorization experiences for SME (Small and Medium-sized Enterprise) customers, including: - Multi-user access - Role management - Secure approval flows for financial operations We are looking for a Business Analyst to help develop authentication products and operational processes, ensuring they remain secure, scalable, and user-friendly as the business grows. Challenges that await you: - Developing secure and convenient authentication, authorization, and action confirmation solutions - Designing and improving user journeys related to login, device management, user verification, and payment confirmations - Creating and evolving authentication and authorization flows for SME customers, including multi-user access and approval scenarios - Analyzing unauthorized access cases together with Fraud Prevention and Support teams and proposing improvements - Gathering and documenting business requirements, user stories, acceptance criteria, and process flows - Translating business needs into clear and structured tasks for engineering teams - Working closely with Product Managers, Engineering, Design, Fraud Prevention, Support, and Compliance teams - Supporting delivery throughout the full development lifecycle, from discovery and requirements gathering to testing and release - Building and maintaining operational processes within the authentication domain and continuously improving their efficiency - Defining and monitoring operational and product metrics, creating dashboards, and analyzing performance - Using data to identify bottlenecks, evaluate feature effectiveness, and drive continuous improvements - Supporting business and operational teams in investigating and resolving authentication-related issues Qualifications - 1–2 years of experience as a Business Analyst or System Analyst - Bachelor's degree in Computer Science, Engineering, Mathematics, Information Systems, or another technical field - Confident understanding of how modern web services and APIs work - Familiarity with data exchange formats such as JSON and Protobuf - Basic SQL skills and willingness to work with data - Ability to translate business needs into clear, structured requirements and effectively prioritize them - Proven experience gathering and documenting business requirements and designing business processes - Strong analytical mindset and attention to detail - Experience creating visual process documentation using BPMN, UML, Data Flow Diagrams (DFD), or similar methodologies - Strong stakeholder management and cross-functional collaboration skills - Ability to balance customer experience, operational efficiency, and security requirements - B1 or higher English level for effective communication with an international team Benefits - Relocation support to one of our hubs — Serbia or Georgia — with assistance for the employee and their family - Flexible work from one of our offices or remote - Healthcare Coverage - Education Budget: Language lessons, professional training and certifications - Wellness Budget: Mental health and fitness activity reimbursements - Vacation policy: 20 days of annual leave and paid sick leave

Role Description We are looking for a Senior Compensation & Benefits Specialist who will take ownership of benefits operations, provider management, budgeting, and process improvements across HQ locations. This role combines operational work with project ownership and cross-functional collaboration across People, Payroll, Finance, HR Admin, IT, and external providers. - Manage day-to-day employee benefits operations across HQ locations (excluding Mexico) - Coordinate benefit providers, contracts, and related operational processes - Lead launches and improvements of benefits programs, including insurance, language-learning, and wellness initiatives - Drive automation and optimization of Compensation & Benefits processes - Participate in budgeting, benefits cost control, and financial planning - Develop and maintain benefits policies, guidelines, and internal knowledge base - Collaborate cross-functionally with Payroll, Finance, HR Admin, IT, and external providers - Act as a key point of expertise for Compensation & Benefits processes within the company Qualifications - 5+ years of experience in Compensation & Benefits, Payroll Operations, or HR Operations - Strong experience managing employee benefits in an international environment - Experience working with external vendors and service providers - Strong organizational and process management skills - Analytical mindset and attention to detail - Experience driving process improvements or automation initiatives is a plus - Advanced Excel / Google Sheets skills - English — Upper-Intermediate (B2) or higher - Russian language proficiency is required Benefits - Relocation support to one of our hubs — Serbia, Georgia, Kazakhstan or Cyprus — with assistance for the employee and their family - Flexible work from our office or remote - Healthcare Coverage - Education Budget: Language lessons, professional training and certifications - Wellness Budget: Mental health and fitness activity reimbursements - Vacation policy: 20 days of annual leave and paid sick leave

Role Description The Internal IT Support team is responsible for supporting employees with day-to-day IT operations, maintaining internal IT processes, and ensuring stable delivery of IT services across the organization. As an IT Knowledge Management Specialist, you will focus on organizing and maintaining the internal IT knowledge base and operational documentation. Your role will include: - Keeping documentation accurate and structured - Supporting alignment between operational practices and documented processes - Participating in IT audit activities This role requires strong organizational skills, attention to detail, and the ability to work across multiple teams and processes. Challenges that await you: - Maintain and update internal IT knowledge bases and operational documentation - Prepare and structure policies, procedures, and process instructions - Ensure operational documentation reflects current practices and requirements - Support consistency and transparency of IT operational processes - Participate in internal and external IT audits by collecting and preparing the required materials - Coordinate documentation and audit-related requests across IT and adjacent teams - Support standardization of documentation and knowledge management practices - Identify gaps and inconsistencies in documentation and propose improvements Qualifications - Experience with knowledge management, documentation coordination, IT operations, or related activities - Experience with tools such as Google Workspace, Confluence, Jira, or Airtable - Strong organizational skills and attention to detail - Ability to structure information and maintain documentation quality - Ability to manage multiple parallel tasks independently - Strong communication and cross-team collaboration skills - B1 or higher English level for communication with an international team Requirements - Experience supporting IT audits or documentation-related activities - Understanding of IT operational or security processes - Experience improving documentation standards or internal knowledge bases - Experience working in regulated environments Benefits - Relocation support to Cyprus, Georgia, Serbia — with assistance for the employee and their family - Flexible work from one of our offices or remote - Healthcare Coverage - Education Budget: Language lessons, professional training and certifications - Wellness Budget: Mental health and fitness activity reimbursements - Vacation policy: 20 days of annual leave and paid sick leave

Role Description We are building the next generation of our X-Sell system and are looking for a Product Analytics Lead/Head to own the analytical and decision-making foundation behind how we engage customers across products. This is a high-impact opportunity to define an end-to-end recommendation ecosystem from the ground up, partnering closely with Product, ML, and Engineering teams to turn ideas into scalable production systems. - Own end-to-end analytics for the X-Sell system, driving decisions across customer engagement, offer prioritisation, and recommendation logic. - Design the analytical framework for cross-sell and next-best-offer strategies across our entire customer base. - Build prioritisation logic for customer offers and communication, ensuring a smart and scalable approach. - Partner closely with Product, ML, and Engineering teams to define business requirements for recommendation models and identify the most valuable use cases for ML applications. - Translate business goals into analytical and model requirements: define what should be optimised, which signals and features matter, and how success should be measured. - Drive experimentation culture through A/B testing, customer insights, and incremental optimisation of recommendation mechanics. - Generate insights on customer behaviour and communication effectiveness to improve engagement and conversion across products. - Help define where and how recommendation models should be implemented in production, aligning multiple stakeholders around priorities and execution. - Establish scalable processes and decision-making frameworks for cross-sell initiatives in a fast-growing environment. Qualifications - Experience with X-cell or similar products. - A mathematical or technical degree from a top-tier university (MSU, MIPT, HSE, MSTU, MEPhI, NSE, etc.). - Expert knowledge of mathematical statistics, probability theory, and systematic thinking. - Advanced SQL and Python. - Hands-on experience with Tableau, Superset, or similar BI tools to translate data into actionable insights. - Ability to understand business objectives and transfer them into technical analytical tasks. - Experience in building processes and scaling them in fast-paced environments. - English proficiency (B1+) for effective collaboration within our international community. Benefits - Relocation support to one of our hubs - Mexico, Serbia, Spain, Cyprus, Barcelona, Georgia - with full visa & permit support to the employee and family. - Flexible work from one of our offices. - Healthcare Coverage. - Education Budget: Language lessons, professional training and certifications. - Wellness Budget: Mental health and fitness activity reimbursements. - Vacation policy: 20 working days of annual leave and paid sick leave.

Role Description We are looking for a proactive Middle Antifraud Analyst to strengthen our Fraud Prevention team. This is a role focused on using and developing antifraud rules, analyzing fraud cases, and collaborating closely with agents to improve fraud detection and operational efficiency. If you have strong analytical thinking, hands-on analyst experience, and want to directly influence risk management and system logic, this is your opportunity to make a measurable impact on fraud prevention at scale. Challenges that await you - Your main responsibility will be to test and improve antifraud rules for existing products and new fraud scenarios related to products launching in 2026, balancing security and customer experience. - Optimize, and document antifraud rules across multiple channels (card, transfers, tokenization, etc.). - Improve cost efficiency and controls for operational antifraud tools. - Collaborate with agents to investigate alerts, verify rule logic, and adjust thresholds. - Analyze confirmed fraud cases and identify new patterns or emerging risks. - Conduct back-testing and assess the efficiency of existing rules. - Propose and implement new approaches for fraud detection automation. - Monitor fraud metrics, build queries, and create dashboards to track performance. Qualifications - 2+ years of relevant experience in fraud analysis, risk management, or a related field. - Strong knowledge of mathematical statistics and probability theory. - Analytical mindset and systematic thinking. - Strong skills in SQL for data analysis and Python for automation or modeling. - Attention to detail and ability to translate insights into actionable solutions. - Excellent communication skills for effective collaboration with cross-functional teams. - A mathematical or technical degree from a top university such as MSU, MIPT, HSE, MSTU, MEPhI, or NES will be a plus. - Understanding of payment processes, transaction flows, and fraud typologies will be a plus. - B1 or higher English level for effective communication with an international team. Benefits - Relocation support to one of our hubs — Serbia, Georgia — with assistance for the employee and their family. - Flexible work from one of our offices or remote. - Healthcare coverage. - Education Budget: Language lessons, professional training, and certifications. - Wellness Budget: Mental health and fitness activity reimbursements. - Vacation policy: 20 days of annual leave and paid sick leave.

Role Description As part of our international expansion, we are looking for an experienced Travel Manager to take full ownership of corporate travel and relocation processes and ensure efficient, compliant, and cost-effective operations across the company. This role requires strong organizational skills, attention to detail, and hands-on experience managing business travel and employee relocations at scale. - Planning, booking, and coordinating business trips (flights, accommodation, transportation, visas) - End-to-end coordination of employee relocations, including travel, temporary accommodation, and logistics - Supporting visa and immigration processes in collaboration with internal teams and external providers - Managing relationships with travel agencies, relocation vendors, airlines, and housing providers - Optimizing travel and relocation costs while maintaining comfort and efficiency for employees - Developing and maintaining travel and relocation policies and ensuring compliance with internal guidelines - Supporting employees with travel and relocation-related requests and resolving issues promptly - Monitoring budgets and preparing regular reports on travel and relocation expenses - Ensuring compliance with visa, immigration, and travel regulations - Handling urgent changes, cancellations, and emergency situations - Maintaining accurate documentation and records for both travel and relocation processes Qualifications - Proven experience in corporate travel management and/or relocation coordination - Strong knowledge of travel booking systems and relocation processes - Experience working with travel and relocation vendors and negotiating contracts - Understanding of visa processes, immigration requirements, and international mobility - Strong organizational and multitasking skills - Ability to handle a high volume of requests efficiently - Excellent communication skills and a service-oriented mindset - B2 or higher English level for effective communication with an international team - Ability to work independently and solve problems in dynamic environments Benefits - Relocation support to one of our hubs — Cyprus, Serbia or Kazakhstan — with assistance for the employee and their family - Flexible work from one of our offices or remote - Healthcare Coverage - Education Budget: Language lessons, professional training and certifications - Wellness Budget: Mental health and fitness activity reimbursements - Vacation policy: 20 days of annual leave and paid sick leave