Software Engineer, Credit Card

About 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 runHungry and driven by urgencyExceptional at what they do, with low egoComfortable operating in motion The Role 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 systemsArchitect APIs and event-driven systems that handle sensitive financial data securely at scalePartner with risk, compliance, and platform teams to ensure new features meet regulatory and security requirementsOwn reliability and performance for systems processing real-time credit transactionsDrive technical decisions on system design, balancing scalability, security, and speed of deliveryMentor other engineers and raise the bar on code quality, testing, and operational practices across the team You Bring 3+ years of professional experience in backend or distributed systems developmentExperience 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 systemsStrong understanding of data security, PCI compliance, or similar standards protecting sensitive financial dataStrong communication and collaboration skills across product, risk, and platform teamsDrive and proactivity - everyone here is a builder and executor Tools We Use 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. What We Offer Competitive base salary, stock options, and health benefits from Day 1401(k) plan with company matchRemote-friendly (US), flexible time off (FTO), and opportunities for growthA high-growth, mission-driven, inclusive culture where your work has real impact Standard Interview Process Our Process Varies By Role. Most Candidates Go Through AI-assisted initial screenInterview with Talent PartnerTechnical or Hiring Manager InterviewTeam InterviewExecutive InterviewOffer! Equal Employment Opportunity To build technology and products that are used and loved by people and solve real-world problems, we need to build a team with many different perspectives and experiences. We are an equal opportunity employer. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We encourage candidates from all backgrounds to apply. Applicants in need of special assistance or accommodation during the interview process or in accessing our website may contact us at talent@onepay.com.