Software Engineer, Banking

About the role

ABOUT ONEPAY

OnePay is the consumer fintech trusted by millions of Americans to make money better.

Our financial system is broken. High fees, low rates, and too few ways to actually grow your money. We’re fixing it. And we’re moving fast.

We’re an all-in-one financial services platform that brings together banking, high-yield savings, credit cards, point-of-sale lending, investing, and crypto in one place. We also partner with employers, HCM providers, gig platforms, and others to deliver embedded financial services to millions of employees and frontline workers.

We’re backed by Walmart, the world’s largest retailer, and Ribbit Capital, one of fintech’s most respected investors, giving us rare scale, distribution, and the opportunity to build something truly category-defining.

But what really sets OnePay apart is how we move. Our customers don’t have time to wait… and neither do we. This place moves fast, and we’re looking for people who are:

- Ready to run

- Hungry and driven by urgency

- Exceptional at what they do, with low ego

- Comfortable operating in motion

THE ROLE

As a Software Engineer on the Banking team at OnePay, your work will have a direct impact on how people access, move, and manage their money, driving everything from the design of scalable banking services to the reliability of real-time money movement that help our customers trust us with their finances. You will:

- Lead technical design and delivery of banking features that scale with our growing customer base and support a seamless mobile experience

- Set architectural standards and best practices for code quality, performance, security, and reliability across our banking services

- Own the technical approach to complex challenges at scale, including sensitive financial data and real-time money movement

- Mentor and grow engineers through design reviews, code reviews, and hands-on collaboration on tough problems

- Partner closely with product, design, risk, and compliance to shape the roadmap and turn it into high-quality, shipped software

- Create and maintain clear documentation, a must-have for a growing, remote organization

YOU BRING

- 7+ years of professional experience in backend or full-stack software engineering, including technical leadership of projects or teams

- Proven success designing, building, and scaling production-grade APIs and distributed systems, ideally in banking, payments, or other regulated financial services

- Experience with sensitive financial data and money movement systems, such as ledgers, account management, ACH, or card processing

- Proficiency in Node.js and TypeScript or similar modern backend frameworks, and familiarity with microservices, Kubernetes, and AWS

- Experience with mobile or user-facing applications, ideally React Native, is a plus