Senior Software Engineer; Remote, CA,

NMI is looking for an experienced Senior Software Engineer (Full-Stack) to join our Fee Navigator team, part of our Account Management & Signup Tools value stream. Fee Navigator is a platform that automates merchant statement analysis and proposal generation — ingesting a processing statement in virtually any format, classifying every fee, computing markup and potential savings, and producing a signable proposal in seconds.

It replaces work that previously took analysts hours per statement, and it sits at the heart of how our partners win and retain merchants.

This role is ideal for a seasoned engineer who can navigate complex systems, enjoys solving genuinely hard engineering challenges, and operates with a high degree of autonomy within a collaborative, agile team.

NMI, a global leader in payment technologies, allows software and sales professionals to deliver payment innovations to their clients without having to build payment expertise in house. NMI enables our partners with choice, and challenges the one-size-fits-all approach to payments. You've probably used NMI in the last 24 hours without even realizing it. We're the platform that powers success for innovative tech created by SMBs, entrepreneurs and fintech startups.

We're creative problem solvers who help visionaries smash through boundaries and think beyond what's possible so they can think about what's next. But we're not just built for the tech savvy. We democratize the latest payments technology so that everyone can realize the benefits of easy payments across the full spectrum of commerce. Our mission is to use our expertise to enable more payments, in more ways and more places.

We provide ISOs, Fintech Innovators and Technologists the freedom to focus on what they do best, liberating them from restricted payment solutions and giving them access to the latest payment technology now and in the future.

Be a Good Person, It's Simple. We treat everyone fairly and with respect. We lead with kindness, humility and integrity. We take the time to understand each other and our customers. And we serve with care, because customers are never a transaction, and always our focus.

Align, Trust & Go. We debate openly, listen carefully and challenge thoughtfully. Once we decide, we move forward together - holding ourselves accountable to our commitments, and focusing on what matters most to our customers. That alignment creates momentum.

Raise the Bar. Good enough isn't enough. We stay curious, measure everything, stay honest about progress and keep pushing ourselves to think creatively. We drive change, again and again. And leave things better than we found them. When we raise the bar, our customers feel it too.

In this role, you’ll contribute across the full software development lifecycle — from planning and design through implementation, code review, testing, and deployment. You’ll work within a cross-functional team alongside Product and fellow engineers to deliver high-quality, secure software that powers our fee-analysis and proposal platform.

• Design, build, and enhance features within Fee Navigator using PHP/Laravel and Vue
• Develop efficient database queries and optimize MySQL performance as needed
• Own the quality of your work end-to-end through developer-led testing — writing unit, integration, and end-to-end tests, and validating your own changes through to production
• Improve the health of a large, established codebase by refactoring complex areas and decomposing high-complexity components into maintainable, well-structured code
• Document critical business logic, application workflows, and key architectural decisions
• Collaborate with Product Managers to refine requirements and contribute to technical solution design
• Participate in code reviews to maintain high engineering standards and share best practices
• Work with SRE to ensure software is observable, resilient, secure, and production-ready
• Diagnose and resolve incidents, defects, and performance bottlenecks in collaboration with cross-functional teams
• Contribute to continuous improvement of development processes, tooling, and engineering…