Job Description
About Us
We are a U.S.-based fintech platform founded in 2021, focused on modernizing and digitizing the lending and payments ecosystem.
We operate a multi-lender lending platform and are expanding into payments and financial infrastructure. Our roadmap includes complex underwriting workflows, multi-party application flows, role-based systems, API-driven integrations, and money movement infrastructure.
We’re looking for a Senior Full Stack Developer who thrives in backend-heavy fintech systems and can build scalable, secure, API-driven architecture while supporting front-end development as needed.
If you enjoy solving real-world financial logic problems, integrating third-party services, and building structured systems inside AWS — this role is for you.
What You’ll Be Doing
Backend (Primary Focus)
Designing and building scalable backend services using PHP (Laravel)
Developing and maintaining RESTful APIs for internal and external integrations
Implementing complex business logic related to:
Loan origination workflows
Offer presentation logic
Funding and settlement flows
Payments and money movement
Role-based permissions and application assignment
Integrating with third-party APIs (lenders, payment processors, KYC providers, credit bureaus, etc.)
Designing clean database architecture in MySQL
Writing optimized queries and ensuring data integrity
Implementing secure authentication & authorization (JWT, OAuth, role-based access)
Handling asynchronous processes, webhooks, queues, and background jobs
Writing unit and integration tests for backend services
Refactoring legacy code for scalability and maintainability
Participating in architectural discussions and technical planning
Frontend (Secondary Support)
Supporting development in React.js
Building and maintaining API-connected UI components
Working with existing design systems and UI structure
Ensuring proper state management and API consumption
Debugging cross-stack issues (frontend ↔ backend)
System & Infrastructure Responsibilities
Working within AWS infrastructure (EC2, RDS, S3, IAM, etc.)
Understanding deployment workflows and environment separation (dev / staging / production)
Collaborating with DevOps on CI/CD pipelines
Ensuring performance, security, and monitoring standards are met
Supporting system scalability and uptime
Fintech-Specific Responsibilities
Building and maintaining systems that handle:
Sensitive PII (SSNs, EINs, banking data)
Loan calculations and APR logic
Funding disbursement and reconciliation
ACH/card payment processing logic
Status-driven workflows (multi-stage application lifecycle)
Ensuring compliance-conscious development (data protection, auditability, traceability)
Working with structured underwriting and lender program logic
Supporting webhook-driven external lender responses and state updates
What We Expect
6+ years of experience in backend or full stack development
Strong experience with PHP (Laravel framework required)
Experience with React.js
Strong experience with MySQL database design and optimization
Experience working within AWS environments
Strong experience integrating external APIs (REST required)
Experience working in fintech, lending, payments, or financial platforms (required)
Strong understanding of:
Secure coding practices
Authentication & authorization models
API-driven architecture
Webhooks & async processing
Ability to debug complex cross-system issues
Experience working in structured Jira-based sprint environments
Clean, maintainable coding standards
English B2+ minimum
Nice to Have
Experience with financial calculations (APR, amortization schedules, payment schedules)
Experience with queue systems (Redis, SQS, etc.)
Experience with GraphQL
Experience building role/permission matrices
Experience working with credit bureaus or KYC providers
Experience building audit logs and compliance reporting features
What Success Looks Like in This Role
You take ownership of backend features from specification to production
You anticipate edge cases in financial logic
You build integrations that are resilient and well-structured
You reduce technical debt, not increase it
You proactively identify architectural risks before they become issues
You communicate clearly with Product, BA, and DevOps teams
What We Offer
Fully remote work
Transparent and competitive compensation
High-impact role in a fast-growing fintech platform
Direct involvement in architectural decisions
A team that values ownership, precision, and execution
20 paid vacation/sick days per year
Working Hours
This role is aligned with U.S. Eastern Time to support live production systems and real-time platform operations.
- Standard schedule: 12 PM – 8⁄9 PM EST (Monday–Friday)
- Provides strong overlap with U.S.-based operations, product, and support workflows
