Senior Backend Engineer - Transaction

Position overview

We’re looking for a senior backend engineer to own core parts of our card program: transaction processing, authorization and decline handling, disputes, and the services around them. You’ll work on a small team where engineers own problems end to end, from understanding why a user’s card was declined to shipping the fix and measuring whether it worked. Anything a neobank would build is on our roadmap.

What you’ll do

• Own core backend services for our card program, including authorization, clearing, refunds, and dispute flows
• Reduce user friction from card declines: find root causes in transaction data, work with our issuing partners, and ship fixes
• Make product calls alongside design and ops: decide what to build, cut scope where it doesn’t serve users, and track outcomes after launch
• Use AI tools and agents as a core part of how you work, for coding, investigation, data analysis, and automating operational work
• Improve our infrastructure, CI/CD, observability, and monitoring so the team can ship safely and quickly

What we are looking for

• 5+ years of professional backend engineering experience with strong fundamentals in software design and problem solving
• Experience building or operating a card program, on the issuing side, processor side, or as a fintech running cards through a program manager
• A product mindset: you care about what users experience, can turn a vague problem into a scoped plan, and judge your work by its effect on users
• You already use AI heavily to get things done and can show examples where it changed how much or how fast you delivered
• You have shipped products used by thousands of real users
• Drive and willingness to go the extra mile. We are an ambitious team with audacious goals, and we work hard to reach them

Perks and benefits

• Competitive salary, performance-based incentives, and token allocation grant
• Opportunity to work on multi-billion dollar products as part of a small team
• Health, dental, and vision insurance plans
• Global team with opportunity for travel and working out of our 3 offices around the world
• 4 weeks work from anywhere
• Exciting company events and team-building off-sites