Principal Engineer (Bill Payments)

Job ID: 5739 Welcome to Group Technology, where we pride ourselves on engineering solutions and direct Nordea’s transformation by providing a holistic technological view and structured understanding of the bank, and its surrounding environment to enable the Customer Vision and the Business Strategy. We are looking for an experienced Principal Engineer to help shape the future of Nordic payment services. If you're passionate about technology leadership, modern software engineering and building resilient solutions at scale, this role offers a unique opportunity to deliver meaningful impact while influencing the technical direction of critical payment services used every day across the Nordic region Nordea is a place where traditions meet tomorrow. We're not just a bank, we're a tech employer on a mission to evolve finance securely and responsibly. Together, we impact millions of people’s daily lives by ensuring they can access our solutions anytime, anywhere, while safeguarding their personal data and wealth. Join us in making an impact on the banking industry. About Our Team Welcome to the Retail & Mobile Payments Service Domain. Our Service Domain, Retail & Mobile Payments, plays a key role in meeting these expectations by delivering mobile payments, bill payment services and digital wallet solutions across the Nordics. Together, we enable trusted, high-quality payment experiences for millions of customers and businesses. As a Principal Engineer, you will be one of the key technical leaders within our Bill Payments Agile Release Train. You will drive solution design and technical direction for strategically important services, including Real-Time Payments collections, SEPA Direct Debit, our Collection Services API platform and the future evolution of digital invoicing services. This is an expert individual contributor role for someone who combines deep engineering expertise with systems thinking. You will help shape solutions across multiple teams, influence engineering decisions, and ensure that our technology landscape evolves towards modern, scalable and maintainable platforms. You will play a central role in Nordea's technology transformation journey, helping teams embrace modern engineering practices, AI-assisted software development, and strong engineering standards while remaining close to the technology and implementation challenges. What You'll Be Doing Providing technical leadership and acting as a design authority across the Bill Payments Agile Release Train. Driving solution design and guiding implementation for strategic payment and collection services initiatives. Leading modernisation efforts, including API-first solutions, microservices, event-driven architectures and cloud-native engineering practices. Supporting adoption of AI-assisted software engineering and helping engineering teams leverage new tools and capabilities effectively. Establishing and promoting engineering standards, design principles and best practices. Collaborating closely with architects, engineers, product owners and business stakeholders to ensure solutions are resilient, scalable and aligned with strategic objectives. Mentoring engineers and contributing to capability uplift across teams. Providing hands-on technical guidance for complex engineering challenges and critical design decisions. Driving improvements in resilience, performance, observability, security and operational excellence. This role is located in Helsinki, Finland or Tricity, Poland. Who You Are At Nordea, we value collaboration, ownership, passion and courage. These qualities are essential as we continue modernising critical payment capabilities and serving millions of customers across the Nordics. To succeed in this role, we believe you: Are an experienced software engineer with a passion for solving complex technical problems. Enjoy combining strategic thinking with hands-on engineering leadership. Have the ability to influence technical direction across multiple teams and stakeholders. Are naturally curious about emerging technologies and AI-enabled ways of working. Enjoy mentoring others and helping engineering organization’s raise their technical capabilities. Communicate effectively with both technical and non-technical audiences. Thrive in a collaborative, cross-functional and continuously evolving environment. Your experience and background Required Strong expertise in Java 21 or above, with deep understanding of modern Java features, patterns and development practices. Extensive experience developing enterprise-grade applications using Spring Boot. Proven experience designing and implementing distributed systems with a focus on scalability, resilience and fault tolerance. Strong proficiency with relational database technologies, including Oracle and/or PostgreSQL. Experience designing and integrating RESTful APIs, messaging solutions and enterprise integration patterns. Hands-on experience with microservices-based architectures and modern s