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.
- Designing and building scalable backend services using PHP (Laravel)
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Developing and maintaining RESTful APIs for internal and external integrations
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Implementing complex business logic related to:
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Loan origination workflows
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Offer presentation logic
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Funding and settlement flows
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Payments and money movement
Role-based permissions and application assignment
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Integrating with third-party APIs (lenders, payment processors, KYC providers, credit bureaus, etc.)
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Designing clean database architecture in MySQL
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Writing optimized queries and ensuring data integrity
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Implementing secure authentication & authorization (JWT, OAuth, role-based access)
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Handling asynchronous processes, webhooks, queues, and background jobs
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Writing unit and integration tests for backend services
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Refactoring legacy code for scalability and maintainability
Participating in architectural discussions and technical planning
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- Supporting development in React.js
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Building and maintaining API-connected UI components
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Working with existing design systems and UI structure
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Ensuring proper state management and API consumption
Debugging cross-stack issues (frontend- backend)
- Working within AWS infrastructure (EC2, RDS, S3, IAM, etc.)
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Understanding deployment workflows and environment separation (dev / staging / production)
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Collaborating with DevOps on CI/CD pipelines
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Ensuring performance, security, and monitoring standards are met
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Supporting system scalability and uptime
- Building and maintaining systems that handle:
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Sensitive PII (SSNs, EINs, banking data)
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Loan calculations and APR logic
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Funding disbursement and reconciliation
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ACH/card payment processing logic
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Status-driven workflows (multi-stage application lifecycle)
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Ensuring compliance-conscious development (data protection, auditability, traceability)
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Working with structured underwriting and lender program logic
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Supporting webhook-driven external lender responses and state updates
- 6+ years of experience in backend or full stack development
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Strong experience with PHP (Laravel framework required)
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Experience with React.js
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Strong experience with MySQL database design and optimization
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Experience working within AWS environments
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Strong experience integrating external APIs (REST required)
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Experience working in fintech, lending, payments, or financial platforms (required)
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Strong understanding of:
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Secure coding practices
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Authentication & authorization models
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API-driven architecture
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Webhooks & async processing
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Ability to debug complex cross-system issues
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Experience working in structured Jira-based sprint environments
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Clean, maintainable coding standards
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English B2+ minimum
- Experience with financial calculations (APR, amortization schedules, payment schedules)
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Experience with queue systems (Redis, SQS, etc.)
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Experience with GraphQL
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Experience building role/permission matrices
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Experience working with credit bureaus or KYC providers
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Experience building audit logs and compliance reporting features
- You take ownership of backend features from specification to production
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You anticipate edge cases in financial logic
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You build integrations that are resilient and well-structured
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You reduce technical debt, not increase it
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You proactively identify architectural risks before they become issues
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You communicate clearly with Product, BA, and DevOps teams
- Fully remote work
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Transparent and competitive compensation
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High-impact role in a fast-growing fintech platform
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Direct involvement in architectural decisions
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A team that values ownership, precision, and execution
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20 paid vacation/sick days per year
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)
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Provides strong overlap with U.S.-based operations, product, and support workflows
