Credit Genie

Credit Genie

Staff Software Engineer, Financial Platform

New York, NY · Staff+

Sponsorship not specifiedDetected 2 days ago
TypeScriptSwiftNode.jsRailsRESTData ScienceIncident ResponseAccountingCollaboration

About the role

  • When these systems are wrong, customers lose money and trust
  • As the Staff Engineer on this team, you will set the technical direction for our money movement platform and raise the engineering bar for the team around you.
  • This is a rare chance to join a fast-growing fintech startup where your work directly protects and improves the financial well-being of our users.

Responsibilities

  • Set the Technical Direction: Own the architecture and long-term technical roadmap for our money movement systems.
  • Drive the decisions on how we structure payment orchestration, ledgering, and reconciliation as transaction volume grows, and see those decisions through to production.
  • Design, Build, and Scale: Own backend systems end-to-end, from architecture through deployment and production operation, ensuring high performance, security, and scalability as our financial products grow.
  • Lead design reviews, mentor senior and mid-level engineers, and establish practices for testing, observability, and operational excellence that outlast any single project.
  • Own the Bank and Card Integrations: Own the platform's connections to the outside financial world: bank account linking through data aggregators, debit card lifecycle management, and processor integrations.
  • Build abstractions that keep these third-party dependencies reliable, observable, and swappable.
  • Own Production: Treat reliability of money movement as a first-class engineering problem. Lead incident response for the platform, drive post-incident hardening, and build the monitoring and safeguards that make failures rare and recoverable.
  • Cross-Functional Collaboration: Partner with product, compliance, risk, data science, and our banking and processor partners to ship features that balance speed to market with the rigor regulated money movement requires.
  • You will own the hardest correctness and scale problems we have, make the foundational architecture decisions that the platform will live with for years, and be the engineer the rest of the team looks to for how quality work gets done.
  • We leverage artificial intelligence to provide personalized insights and are building a financial ecosystem by offering tools and services that provide instant access to cash, and building credit.

Requirements

  • 8+ years of experience designing, building, and scaling high-performance backend systems in a fast-paced, high-growth environment.
  • Expertise in architecting and productionizing large-scale distributed systems.
  • Strong understanding of data privacy, compliance, and secure coding practices, with experience designing resilient, reliable systems that meet high security and regulatory standards.

Nice to have

  • Hands-on experience with payment rails and partners: ACH, RTP, card networks, push-to-debit, or direct processor and bank integrations.
  • Experience with bank data aggregators (Plaid, MX, Finicity) or card issuing and debit card management platforms.
  • Experience in regulated consumer fintech (lending, credit, or banking products).
  • Experience with event-driven architectures and TypeScript/Node.js services.
  • Our expectation is that employees are in the office five days a week, allowing for optimal collaboration, inclusivity, and productivity.
  • Our goal is to ensure everyone can effectively balance personal and professional responsibilities while maintaining our collaborative and productive environment.
  • Meal program available for both lunch and dinner
  • Life and accidental insurance

Compensation

  • Your actual level and base salary will be determined on a case-by-case basis and may vary based on the following considerations: job-related knowledge and skills, education, and experience.

Benefits

  • 100% company-paid medical, dental, and vision coverage for you and your dependents on your first day of employment.
  • Receive up to $100 per month in fitness reimbursement or enjoy a complimentary full membership to LifeTime Fitness or Equinox.
  • 401(k) with a 3.5% match and immediate vesting
  • Pre-tax benefits, including a $1,000 HSA match
  • Credit Genie is a mobile-first financial wellness platform designed to help individuals take control of their financial future.

Company info

  • Set the standard for engineering quality across the Financial Platform team.
  • When these systems are wrong, customers lose money and trust; when they are right, nobody notices.
  • Build Financial Systems That Are Provably Correct: Design for the money movement demands: idempotent operations, exactly-once semantics, auditable state transitions, automated reconciliation, and invariant monitoring that catches discrepancies before customers do.
  • Founded in 2019 by Ed Harycki https://www.linkedin.com/in/ed-harycki/, former Swift Capital Founder (acquired by PayPal in 2017 https://techcrunch.com/2017/08/10/paypal-acquires-swift-financial/).
Apply directly at Credit Genie →Create a free account for alerts like thisView Credit Genie immigration profile

This listing is sourced directly from Credit Genie's careers page and normalized into a canonical job model.