Software Engineer, Credit Card

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 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

You Bring

• 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

Tools We Use

We use Typescript front to back, with node and NestJS frameworks for server code and React Native for our iOS, Android, and Web clients. We run on a highly distributed cloud-native stack with Kubernetes and AWS, and scale and resiliency are at the heart of everything we build. We also embrace agentic development, so engineers have their choice of a variety of models and agent harnesses, including Claude Code, Cursor, Codex, and more 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 1
• 401(k) plan with company match
• Remote-friendly (US), flexible time off (FTO), and opportunities for growth
• A high-growth, mission-driven, inclusive culture where your work has real impact

Our process varies by role. Most candidates go through

• AI-assisted initial screen
• Interview with Talent Partner
• Technical or Hiring Manager Interview
• Team Interview
• Executive Interview
• Offer!