Principal Software Engineer

About the role

About Highnote

Founded in 2020 by a team of leaders from Braintree, PayPal, and Lending Club, Highnote is the unified platform for embedded finance, built for modern issuing, acquiring, credit, ledger, and real-time money movement. With an integrated ledger, full program management, and a purpose-built architecture, we help companies design financial products around their customers and launch faster with greater control.

We’ve raised $145M+ and have grown our team to 140+ employees across 25+ US States, with headquarters in San Francisco. Along the way, we’ve built one of the most experienced payments teams in the industry.

We’re fast-moving and hands-on, and we believe everyone deserves a seat at the table. Our values of customer obsession, executional excellence, intentional inclusion, guide how we build the payment products of tomorrow's business needs. We’re looking for people who want to help shape the future of payments.

What you’ll be doing

- Building secure and compliant platform products that solve customer needs

- Writing high quality and robustly tested code, mostly in Java

- Understanding customer problems to build the right solutions

- Documenting your work to support our rapidly-scaling company

- Interfacing with a variety of the company’s domains to strengthen our platform

What we are looking for

- 12+ years experience building production software systems

- A history of writing scalable, performant and maintainable code. We strongly believe languages can be learned and care more about your engineering skill over frameworks

- Excitement about shipping customer centric software

- Experience with Java >= 11, JPA ORM mapping, Crafting SQLs, unit and integration testing

- Proficiency using AI-powered development tools (e.g., Claude Code) across the full software development lifecycle - including design, prototyping, development, testing, and iteration. A demonstrated passion for AI-driven development, a commitment to continuously advancing AI skills, and a drive to push the boundaries of productivity and engineering outcomes

- Hands-on experience building payments products, including merchant/customer onboarding, disputes, and risk management

Bonus skills

- Experience contributing to Card Acquiring platforms

- Experience with cloud platforms such as GCP or AWS

- SpringBoot, Docker, and Kubernetes

- Experience with big data technologies such as BigQuery and RedShift

- A background in the fin-tech space

- Experience building AI agents for financial or payment platforms

- Familiarity with AI agent frameworks (e.g., LangChain, CrewAI, or AutoGen)

- Working knowledge of GraphQL

Why Highnote?

- Build from the ground up. As an early-stage company, we give every employee the chance to shape what we build and how we operate, with impact across the whole organization.