Payments Engineer - Series A fintech

About the role

The Payments Engineer will design and manage the money movement flow, owning card issuing, disbursements, reconciliation, and regulatory reporting. They will work closely with the co-founders and the team's existing Payments Engineer.

Responsibilities

• Design a money movement flow: ledgered internal state, transaction lifecycle management, idempotency, retries, and deterministic replay
• Own card issuing and banking-rail integrations: work directly with partners like Lithic, Column, and LoanPro for card issuing, disbursements, and credit/loan management
• Build high-trust, reliable reconciliation: daily/continuous reconciliation between internal ledger, card network events, banking events, and vendor/provider reports
• Minimize operational risk: build guardrails that prevent bad states (double-spend, duplicate webhook processing, inconsistent balances, orphaned settlements)
• Payment Systems Architecture: own and evolve a multi-service monorepo spanning an event-driven pipeline, a payments API (onboarding, credit, cards), balance healthchecks, and regulatory reporting jobs

Requirements

• Obsessive About Correctness: Ensures every cent counts
• Absorbs the Real World's Unreliability: Builds systems that remain consistent under all conditions
• Craves Ownership: Trusts you to make critical decisions about money movement
• High-Auditability Mindset: Willing to trace transactions through every layer of the stack

Qualifications

• Experience with Lithic, Column, LoanPro, Stripe Issuing, or similar card and banking infrastructure is a strong plus