Software Engineer, Banking

One Pay 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 One Pay 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

As a Software Engineer on the Banking team at One Pay, 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

• 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 Type Script 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

• Strong communication and collaboration skills, with a track record of mentoring engineers and driving technical decisions across teams

• Drive and proactivity - everyone here is a builder and executor

We use Typescript front to back, with node and NestJS frameworks for server code and React Native for our iOS, Android, and Web clients. We run on a highly distributed cloud-native stack with Kubernetes and AWS, and scale and resiliency are at the heart of everything we build. We also embrace agentic development, so engineers have their choice of a variety of models and agent harnesses, including Claude Code, Cursor, Codex, and more to fit their workflow.

While you don't need experience with our exact stack, familiarity with modern software engineering practices will help you ramp up quickly.

• Competitive base salary, stock options, and health benefits from Day 1

• 401(k) plan with company match

• Remote-friendly (US), flexible time off (FTO), and opportunities for growth

• A high-growth, mission-driven, inclusive culture where your work has real impact

Our process varies by role. Most candidates go through:

• AI-assisted initial screen

• Interview with Talent Partner

• Technical or Hiring Manager Interview

• Team Interview

• Executive Interview

• Offer!

To build technology and products that are used and loved by people and solve real-world problems, we need to build a team with many different perspectives and experiences. We are an equal opportunity employer. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We encourage candidates from all backgrounds to…