Quick Summary
About Us
We are a U.S.-based fintech platform, established in 2021, dedicated to modernizing and digitizing the lending and payments ecosystem. Our operations include a multi-lender lending platform, with strategic expansion into payments and broader financial infrastructure.
Our ambitious roadmap features complex underwriting workflows, multi-party application flows, robust role-based systems, advanced API-driven integrations, and sophisticated money movement infrastructure.
We are actively seeking a Senior Full Stack Developer who excels in backend-heavy fintech systems. This role involves building scalable, secure, and API-driven architectures, alongside providing essential front-end development support. If you are passionate about solving real-world financial logic problems, integrating diverse third-party services, and constructing structured systems within AWS, this opportunity is ideal for you.
What You'll Be Doing
Backend (Primary Focus)
- Design and build scalable backend services using PHP (Laravel).
- Develop and maintain RESTful APIs for both internal and external integrations.
- Implement complex business logic for:
- Loan origination workflows
- Offer presentation logic
- Funding and settlement flows
- Payments and money movement
- Role-based permissions and application assignment
- Integrate with various third-party APIs, including lenders, payment processors, KYC providers, and credit bureaus.
- Design clean MySQL database architecture, write optimized queries, and ensure data integrity.
- Implement secure authentication and authorization mechanisms (JWT, OAuth, role-based access).
- Manage asynchronous processes, webhooks, queues, and background jobs.
- Write comprehensive unit and integration tests for backend services.
- Refactor legacy code to enhance scalability and maintainability.
- Actively participate in architectural discussions and technical planning.
Frontend (Secondary Support)
- Support development efforts in React.js.
- Build and maintain API-connected UI components.
- Work within existing design systems and UI structures.
- Ensure proper state management and API consumption.
- Debug cross-stack issues spanning frontend and backend systems.
System & Infrastructure Responsibilities
- Work extensively within AWS infrastructure (EC2, RDS, S3, IAM, etc.).
- Understand deployment workflows and manage environment separation (development, staging, production).
- Collaborate with DevOps teams on CI/CD pipelines.
- Ensure adherence to performance, security, and monitoring standards.
- Support system scalability and uptime.
Fintech-Specific Responsibilities
- Build and maintain systems capable of handling:
- 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)
- Ensure compliance-conscious development, focusing on data protection, auditability, and traceability.
- Work with structured underwriting and lender program logic.
- Support webhook-driven external lender responses and state updates.
What We Expect
- 6+ years of experience in backend development or full stack development.
- Strong experience with PHP, specifically the Laravel framework (required).
- Proficiency with React.js.
- Strong experience in MySQL database design and optimization.
- Experience working within AWS environments.
- Strong experience integrating external REST APIs (required).
- Mandatory experience in fintech, lending, payments, or other financial platforms.
- Strong understanding of:
- Secure coding practices
- Authentication and authorization models
- API-driven architecture
- Webhooks and asynchronous processing
- Ability to debug complex cross-system issues.
- Experience working in structured Jira-based sprint environments.
- Commitment to clean, maintainable coding standards.
- English B2+ minimum proficiency.
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 full ownership of backend features from specification through to production deployment.
- You proactively anticipate edge cases in complex financial logic.
- You build resilient and well-structured integrations.
- You actively work to reduce technical debt.
- You identify architectural risks proactively before they escalate.
- You communicate clearly and effectively with Product, Business Analyst (BA), and DevOps teams.
What We Offer
- Fully remote work flexibility.
- Transparent and competitive compensation packages.
- A high-impact role within a fast-growing fintech platform.
- Direct involvement in critical architectural decisions.
- A collaborative team that values ownership, precision, and execution.
- 20 paid vacation/sick days per year.
Working Hours
This role requires alignment with U.S. Eastern Time to effectively support live production systems and real-time platform operations.
Standard schedule: 12 PM – 8/9 PM EST (Monday–Friday). This schedule ensures strong overlap with U.S.-based operations, product, and support workflows.