Senior Full-Stack Software Engineer, Unsecured Cards

Responsibilities

• Own and drive end-to-end development of complex product features, from shaping technical approach through implementation and launch.
• Lead multi-engineer efforts within the team, helping break down problems, define scope, and drive execution.
• Design and build scalable systems across backend services and frontend applications (web and mobile) supporting millions of members.
• Work through ambiguity to define solutions, structuring problems and aligning technical decisions with product and business goals.
• Collaborate closely with cross-functional partners — product, design, risk, credit, legal, and compliance — to deliver high-impact features.
• Contribute to technical design decisions, balancing tradeoffs across performance, reliability, and long-term maintainability.
• Raise the bar for engineering quality through thoughtful code reviews, testing practices, and improving team standards.
• Mentor and support other engineers, helping improve team velocity, code quality, and overall execution.
• Participate in on-call rotation, which may include responding to incidents outside of regular working hours.

Requirements

• 5+ years of experience building production-grade software, with a track record of shipping reliable, user-facing features.
• Experience owning projects or major features end-to-end, including design, implementation, and delivery.
• Strong backend development experience building APIs and services with Ruby on Rails or comparable frameworks, with working knowledge of modern frontend frameworks (e.g., React, React Native).
• Experience with transactional databases and caching systems, and an appreciation for clean, well-tested, maintainable code.
• Comfort operating in ambiguous, fast-moving environments, where you help define solutions rather than just implement them.
• Strong collaboration skills, with experience working closely with product managers, designers, and other engineers.
• A mindset focused on impact, quality, and continuous improvement.

Nice-to-Haves

• Experience in fintech, lending, or other regulated/credit domains.