Sr. Engineer I, Payments

Why TrueML? TrueML is a mission-driven financial software company that aims to create better customer experiences for distressed borrowers. Consumers today want personal, digital-first experiences that align with their lifestyles, especially when it comes to managing finances. TrueML’s approach uses machine learning to engage each customer digitally and adjust strategies in real time in response to their interactions. The TrueML team includes inspired data scientists, financial services industry experts and customer experience fanatics building technology to serve people in a way that recognizes their unique needs and preferences as human beings and endeavoring toward ensuring nobody gets locked out of the financial system. As a Senior Engineer I on the Consumer Payment Portal team , you will be a core architect of the digital interface that empowers consumers to resolve their financial obligations with ease and dignity. This isn't just a standard transaction engine; it is a high-concurrency, user-centric payment ecosystem. You will collaborate directly with our UX and Payments teams to bridge the gap between complex backend services and a flawless web interface. Your primary goal is to introduce innovative payment workflows—like flexible scheduling and alternative payment methods—while championing code maintainability, managing technical debt, and executing long-term technical roadmaps. What You'll Do: Shape the Consumer Experience: Partner cross-functionally with UX and Payments teams to design, build, and maintain a seamless, accessible front-end web experience that removes friction from the payment process. Architect Modern Workflows: Develop and extend cutting-edge features, including alternative payment integrations and flexible scheduling models, to give consumers personalized options that suit their financial realities. Own the Initiative Lifecycle: Take full end-to-end technical responsibility over complex, long-term product features, from initial scoping with Product Management to production delivery and post-launch stewardship. Drive Technical Strategy: Translate high-level business and product requirements into elegant, documented technical implementations, contributing directly to the team's engineering roadmap. Champion Engineering Excellence: Write high-quality, highly maintainable code across our streaming architectures and microservices, leading by example through constructive, detailed feedback in code reviews. Conquer Technical Debt: Proactively identify, prioritize, and record structural inefficiencies within the codebase, planning and executing clear paths to systematically resolve tech debt. Multiply Team Impact: Mentor and level up fellow engineers through pair-programming and active knowledge sharing, while supporting a healthy team balance to prevent overwork and burnout. Guard System Reliability: Predict potential system breaking points, implement robust automated testing, and participate in an on-call rotation to maintain the exceptional uptime of your team's domain. Who You Are: A Proven Full-Stack Builder: You bring 5+ years of professional software engineering experience with deep, hands-on proficiency in Golang and React . UX-Fluency: You have a strong, empathetic understanding of front-end engineering and user experience patterns, knowing how to build interfaces that are as performant as they are intuitive. A Systems Thinker: You possess a mature understanding of microservices, distributed systems, data modeling, and A/B testing paradigms, allowing you to make calculated development trade-offs. An Autonomous Operator: You are a natural self-starter capable of navigating complex codebases and solving deep technical problems independently, quickly becoming a go-to domain expert for the team. An Elite Communicator: You can comfortably facilitate technical and non-technical alignment meetings, establishing clear agendas and driving cross-functional groups toward decisive project outcomes. A Cultural Anchor: You lead by example, taking a proactive interest in scaling the team's collective intelligence, protecting engineering boundaries, and actively participating on hiring panels to bring in top-tier talent. What We Offer (Perks & Benefits) Flexible vacation Medical/dental/vision insurance Traditional/Roth retirement savings options Company-paid disability and life insurance Flexible Spending Account & Limited FSA Family-friendly parental leave, volunteer and voting time off On-demand wellness platform access for you and 5 friends and family PerkSpot discount program for 900+ merchants nationwide Remote Work, Travel Expectations & Physical Requirements: This role supports a global, cross-functional business and operates primarily in a Remote-First environment. However, flexibility outside of standard business hours and occasional local or international travel may be necessary for global operations support, company meetings, training, offsites, and collaborative projects. This position primarily involves computer-based work, requiring extended periods at a computer, participation in virtual meetings, and use of standard office technology. We will consider reasonable accommodations to enable individuals to perform the essential functions of the role. Maintaining a reliable internet connection and a professional work environment is expected. The ability to protect confidential company, employee, customer, and business information while working outside of a company office is also required. Personally Identifying Information We collect personal information for employment purposes. We do not sell personal information. Most of the information we have is provided to us by you and/or collected as part of the employment process. For more details on how we use, share, and delete personal information see our Privacy Policy . Dedication to Diversity & Inclusion We are an equal opportunity employer. We promote, value, and thrive with a diverse and inclusive team. Different perspectives contribute to better solutions and this makes us stronger every day. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, disability status, or other protected characteristics.