Software Engineer, Backend

Overview

Credit Genie is a mobile-first financial wellness platform designed to help individuals take control of their financial future. 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. Our goal is to empower every customer to achieve long-term financial stability. Founded in 2019 by Ed Harycki, backed by Khosla Ventures and led by industry pioneers from companies such as Pay Pal, Square, and Cash App, we are positioned to build the future of inclusive finance through cutting-edge technology and customer-centric solutions.

• Design, build, and scale backend systems end-to-end, from architecture to deployment, ensuring high performance, security, and scalability for next-generation financial products.
• Greenfield development — work on new projects from scratch and make foundational technical decisions that shape the platform for years to come.
• Cross-functional collaboration — partner with product, design, data science, and adjacent engineering teams to build impactful features and solve complex business challenges.
• Technical leadership — lead critical technical, design, and product discussions, driving best practices in system design, coding, testing, and Dev Ops.
• Customer-focused innovation — scope, build, and optimize products and services that deliver immediate and meaningful value to users.

• 8+ years of experience designing, building, and scaling high-performance backend systems in a fast-paced, high-growth environment.
• Expertise in architecting and product ionizing large-scale distributed systems.
• Comfortable working across multiple technical areas and collaborating with frontend/mobile teams.
• Passion for tackling complex challenges with structured thinking and analytical rigor. Ability to break down intricate systems, identify flaws, and implement scalable, secure, and maintainable solutions.
• Thrives in a fast-moving, iterative environment with a bias for action. Willing to take full ownership of projects and work cross-functionally with product, design, and engineering teams.
• Strong understanding of data privacy, compliance, and secure coding practices. Experience with designing resilient and reliable systems that meet high security and regulatory standards.

• Experience working with products related to lending, credit cards, payments, or other financial services.
• Familiarity with mobile app ecosystems and financial technology.

Our goal is to provide a comprehensive offering of benefits and perks that promote better financial, mental, and physical wellness. We encourage collaboration in person, with a preference for five days in the office, while offering flexibility for remote work or adjusted schedules as needed. Highlights include:

• 100% company-paid medical, dental, and vision coverage for you and your dependents on your first day of employment.
• Monthly fitness reimbursement up to $100 or a full membership to Life Time Fitness.
• 401(k) with a 2.5% match and immediate vesting.
• Meal program for breakfast, lunch, and dinner.
• Life and accidental insurance.
• Flexible PTO.

Your actual level and base salary will be determined on a case-by-case basis and may vary based on job-related knowledge, education, and experience. Base salary is one part of total compensation, which may include bonus and equity programs. You will have access to comprehensive medical, vision, and dental coverage, a 401(k) with company match, disability and life insurance, and flexible PTO along with other benefits.

Credit Genie is an equal opportunity employer. We welcome and celebrate differences and provide accommodations in the recruitment process upon request.

• Mid-Senior level

• Full-time

• Engineering and Information Technology