Senior Software Engineer, Backend (Card Loan Platform)

The SENIOR SOFTWARE ENGINEER, BACKEND (CARD LOAN PLATFORM) role centers on leading the design, development, and execution of scalable, high-availability backend services critical to the financial platform’s functioning. This position drives technical strategy, collaborates across multiple functions to define and implement card loan lifecycle strategies, and ensures system robustness and performance. The role contributes significantly to the organization’s ability to process financial transactions with accuracy and scale, impacting every card transaction., * Lead technical strategy, planning, prioritization, and project execution aligned with product and business goals.

• Design and develop large-scale, high-availability backend services including APIs and data models.
• Collaborate with Product, Analytics, Design, Legal, and Accounting teams to define card loan attribution and lifecycle strategies.
• Monitor and troubleshoot system health and performance issues, optimizing for long-term scalability.
• Mentor junior engineers, lead technical discussions, design reviews, and promote best coding practices.

• Over 5 years of software development or engineering experience with strong system design and architecture knowledge.
• Proven leadership skills with a focus on team growth and continuous learning.
• Strong communication skills capable of conveying complex ideas clearly.
• Excellent analytical and problem-solving capabilities with creativity in solutions.
• Proficiency in programming languages such as Python or Kotlin.
• Experience with cloud platforms like AWS, Azure, or Google Cloud, and containerization technologies such as Docker and Kubernetes.
• Familiarity with SQL and NoSQL databases, web frameworks, and RESTful API development.
• Bachelor’s degree in a related field or equivalent practical experience.

Pay Range and Compensation Package:

• USA Pacific base pay range (CA, WA, NY, NJ, CT): $195,000 - $255,000
• USA Sapphire base pay range (all other U.S. states): $173,000 - $233,000
• Compensation includes base pay, potential equity rewards, monthly stipends for health, wellness, and technology expenses, and benefits including fully subsidized medical, dental, and vision coverage.

Benefits & Perks:

• Remote-first work environment with flexibility.
• 100% premium coverage for medical, dental, and vision insurance for employees and dependents.
• Monthly stipends for technology setup and health and wellness options.
• Flexible time off and generous holiday schedules.
• Employee stock purchase plan offering discounted stock purchase.

Equal Opportunity Statement: Our client is an equal opportunity employer. They celebrate diversity and are committed to creating an inclusive environment for all employees. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, gender identity or expression, sexual orientation, or national origin.

Note:

RemoteHunter is a recruitment partner of this role. Please note that all employment decisions, including candidate assessment, interviews, hiring, compensation, and employment terms, are made exclusively by the hiring employer.

The organization operates in the financial technology sector, specifically focusing on payment solutions that allow consumers to pay over time without hidden fees or surprises. It addresses challenges in managing complex pay-later transactions by developing high-throughput decision engines that handle unique loans per transaction, ensuring real-time approvals and financial operations at scale. The team’s work supports significant growth and underpins the core financial infrastructure for the organization’s flagship card products.