Software Engineer (Credit Card)

• 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
• 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
• 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

Benefits

• Competitive health benefits: Medical, dental, and vision plans, pluss wellness perks.
• Flexible time off: Rest, recharge, repeat.
• Paid employee leave: Sick, personal, caregiver, bereavement, ans parental.
• 401k plan: With employer match.
• Monthly work-from-home stipend: To cover those home office expenses.
• Remote-first culture: Work anywhere in the US.

• 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
• 3+ years of professional experience in backend or distributed systems development
• Familiarity with cloud-native architecture (Kubernetes, AWS) and event-driven or microservice-based systems
• Experience building and operating production-grade APIs and microservices in a regulated or high-compliance environment (fintech, payments, banking, or similar)
• Drive and proactivity - everyone here is a builder and executor
• Proficiency in Node.js or similar modern backend frameworks (TypeScript, NestJS, Go, or Java)
• While you don’t need experience with our exact stack, familiarity with modern software engineering practices will help you ramp up quickly

• 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!