Summary
OnePay is a consumer fintech company providing banking, savings, credit card, lending, investing, and other financial services. The Software Engineer will build and operate backend infrastructure for the co-branded credit card product, including secure APIs, event-driven systems, and partner integrations. The role also owns reliability and performance, collaborates with risk and compliance teams, and mentors engineers.
Responsibilities
- 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
Skills
- 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
Qualifications
Must Haves
- 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
Benefits
- Stock options
- Health benefits from Day 1
- 401(k) plan with company match
- Remote-friendly (US)
- Flexible time off (FTO)
- Opportunities for growth
- Engineers have their choice of Claude Code or Cursor to fit their workflow
- A high-growth, mission-driven, inclusive culture where your work has real impact