Software Engineer, Lending

About OnePay OnePay is the consumer fintech trusted by millions of Americans to make money better. Our financial system is broken. High fees, low rates, and too few ways to actually grow your money. We’re fixing it. And we’re moving fast. We’re an all-in-one financial services platform that brings together banking, high-yield savings, credit cards, point-of-sale lending, investing, and crypto in one place. We also partner with employers, HCM providers, gig platforms, and others to deliver embedded financial services to millions of employees and frontline workers. We’re backed by Walmart, the world’s largest retailer, and Ribbit Capital, one of fintech’s most respected investors, giving us rare scale, distribution, and the opportunity to build something truly category-defining. But what really sets OnePay apart is how we move. Our customers don’t have time to wait… and neither do we. This place moves fast, and we’re looking for people who are: Ready to run Hungry and driven by urgency Exceptional at what they do, with low ego Comfortable operating in motion The Role As a Full Stack Engineer on our Lending team, you will deliver highly complex projects at scale and shape the technical direction of lending products that reach millions of customers. What You’ll Do Lead the design and delivery of high-impact, technically complex projects that power our lending platform at scale Provide technical leadership and clear, impactful communication to cross-functional stakeholders Drive hyper-optimization of lending systems to meet the needs of a large and growing addressable market Collaborate closely with product, design, and operations partners to build seamless, trustworthy lending experiences Mentor engineers across the team, fostering best practices in architecture, code quality, and scalability You Bring Deep expertise in building and scaling distributed systems, high-throughput APIs, and data-intensive services Strong full-stack skills, with fluency in backend architecture and modern frontend frameworks Experience designing systems with reliability, security, and performance in mind — ideally in payments, lending, or other regulated consumer finance domains Exceptional technical leadership and communication skills with a track record of influencing architecture and product direction Drive and proactivity – everyone here is a builder and executor Tools We Use 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. 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 Standard Interview Process Initial Interview with Talent Partner Technical or Hiring Manager Interview Team Interview Executive Interview Offer! Equal Employment Opportunity To build technology and products that are used and loved by people and solve real-world problems, we need to build a team with many different perspectives and experiences. We are an equal opportunity employer. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We encourage candidates from all backgrounds to apply. Applicants in need of special assistance or accommodation during the interview process or in accessing our website may contact us at [email protected].