Software Engineer, Credit Card

2 нед. назад

140k–190k USD / годСШАRemote

backendapiarchitecture

Backend Engineer for Credit Card team responsible for infrastructure and services of the co-branded credit card product at OnePay.

OnePay is the consumer fintech trusted by millions of Americans to make money better.
Our financial system is broken. High fees, low rates, and too few ways to actually grow your money. We’re fixing it. And we’re moving fast.
We’re an all-in-one financial services platform that brings together banking, high-yield savings, credit cards, point-of-sale lending, investing, and crypto in one place. We also partner with employers, HCM providers, gig platforms, and others to deliver embedded financial services to millions of employees and frontline workers.
We’re backed by Walmart, the world’s largest retailer, and Ribbit Capital, one of fintech’s most respected investors, giving us rare scale, distribution, and the opportunity to build something truly category-defining.
But what really sets OnePay apart is how we move. Our customers don’t have time to wait… and neither do we. This place moves fast, and we’re looking for people who are:
Ready to run
Hungry and driven by urgency
Exceptional at what they do, with low ego
Comfortable operating in motion

As a Backend Engineer on the Credit Card team at OnePay, your work will directly shape the infrastructure behind our co-branded credit card product, holding the same bar for trust, security, and reliability as the rest of our financial ecosystem. You will:
Design and build backend services that power our co-branded credit card product and its integrations with partner systems
Architect APIs and event-driven systems that handle sensitive financial data securely at scale
Partner with risk, compliance, and platform teams to ensure new features meet regulatory and security requirements
Own reliability and performance for systems processing real-time credit transactions
Drive technical decisions on system design, balancing scalability, security, and speed of delivery
Mentor other engineers and raise the bar on code quality, testing, and operational practices across the team

3+ years of professional experience in backend or distributed systems development
Experience building and operating production-grade APIs and microservices in a regulated or high-compliance environment (fintech, payments, banking, or similar)
Proficiency in Node.js or similar modern backend frameworks (TypeScript, NestJS, Go, or Java)
Familiarity with cloud-native architecture (Kubernetes, AWS) and event-driven or microservice-based systems
Strong understanding of data security, PCI compliance, or similar standards protecting sensitive financial data
Strong communication and collaboration skills across product, risk, and platform teams
Drive and proactivity - everyone here is a builder and executor

Competitive base salary, stock options, and health benefits from Day 1
401(k) plan with company match
Remote-friendly (US), flexible time off (FTO), and opportunities for growth
A high-growth, mission-driven, inclusive culture where your work has real impact

We use Node and TypeScript on the server, leveraging the NestJS framework within a microservice-oriented architecture running on Kubernetes and AWS. On the client side, we build and ship product features for iOS, Android, and web platforms using React Native. We also embrace AI-assisted development, so engineers have their choice of Claude Code or Cursor to fit their workflow. While you don't need experience with our exact stack, familiarity with modern software engineering practices will help you ramp up quickly.