Software Engineer - Backend

Responsibilities

• Design and build scalable, secure, and high-performance backend systems and services that support Cardless’s core financial products
• Contribute to architectural discussions and decisions to evolve our platform as we grow
• Take ownership of projects from design through production — including requirements gathering, implementation, testing, deployment, and ongoing maintenance
• Collaborate cross-functionally with product managers, designers, other engineers, and stakeholders (external partners, risk, compliance) to deliver high-quality features quickly and reliably
• Identify and drive improvements in system reliability, observability, performance, and developer experience
• Provide technical guidance and thought partnership to peers across the engineering organization

Requirements

• Strong experience designing and implementing backend systems and services that operate at scale (typically 5+ years of industry experience)
• Solid understanding of distributed systems, APIs, databases, and infrastructure fundamentals
• Proficiency with a modern backend language (e.g. Java, Python) and ecosystem
• Track record of delivering complex technical projects end-to-end, collaborating effectively with cross-functional partners
• Deep, low-level expertise in one or more backend domains (e.g., databases, scaling systems, distributed systems)

Qualifications

• Passion for building robust, maintainable systems that have real-world impact for customers

Skills

• Nice to have: Experience building and maintaining external, public-facing APIs, familiarity with financial systems, reconciliation workflows, or data integrity challenges, exposure to ML pipelines or feature stores

Benefits

• Meaningful Start-up equity
• 100% health, vision & dental primary coverage ➕ 75% health, vision & dental dependent coverage
• Catered lunches
• $250/month Commuter benefit
• Team building events & happy hours
• Flexible PTO with a minimum of 15 days off per year
• Apple equipment
• 401k plan

Pay

Annual starting salary range: $165,000 - $260,000 + equity + benefits

Schedule

This role is 5 days a week in office.