Fullstack Engineer

About The Role

Koalafi is building a net-new Non-Prime Installment Loan product — a greenfield initiative that expands our financing options for customers who don’t fit traditional prime credit profiles. This is a meaningful product with real impact: more customers funded, more merchants closing sales they'd otherwise lose.

• Implement microservices and event‑driven workflows to integrate Koalafi’s systems with a third‑party loan servicing platform
• Build and maintain REST APIs that support loan origination, payment processing, and customer servicing operations
• Navigate and contribute to existing internal services where the NPIL product intersects with current Koalafi systems — reading unfamiliar code, understanding its intent, and making clean, well‑scoped changes
• Develop frontend components in React/Type Script to support customer‑facing and internal tooling as needed
• Write code that is testable, observable, and built to last — not just built to ship

• Work closely with the Tech Lead on system design and integration architecture
• Partner with Product and Compliance to understand requirements and translate them into reliable, compliant implementations
• Participate in code reviews — both giving and receiving feedback with the goal of raising the bar, not just checking a box
• Engage actively in sprint ceremonies: planning, retros, standups — contribute to the team’s rhythm, not just your own ticket

• Implement monitoring and alerting at integration points so issues surface before customers notice them
• Support audit logging and data reconciliation requirements inherent to a regulated financial product
• Identify and flag technical risk early — bad news early is always better than bad news late
• Leverage AI development tools to move faster and stay consistent with team patterns

• 2–4 years of professional software engineering experience
• Hands‑on experience building backend services in Golang
• Working knowledge of REST APIs, HTTP/JSON patterns, API authentication including bearer tokens and OAuth flows and API Testing tools like Postman, HTTPPIe
• Experience building or contributing to frontend applications;
  React/Type Script preferred
• Familiarity with AWS, Kubernetes, and cloud‑native deployment patterns
• Familiarity with observability concepts and tools like Dynatrace
• Familiarity with AGILE/Scrum principles, ceremonies and JIRA
• Solid testing instincts — unit, integration, and contract testing aren’t afterthoughts for you
• Comfort navigating and contributing to unfamiliar codebases — not just greenfield builds
• Strong communication skills: you can explain what you’re building and why, not just how
• Location Requirement:
  This position requires regular in‑person attendance at one of our two office locations (Richmond, VA or Arlington, VA). Candidates must already be located within a commutable distance to either location, as relocation assistance is not available at this time

• Experience with event‑driven or asynchronous messaging patterns
• Background in fintech, lending, payments, or other financial services
• Familiarity with third‑party financial platforms (Loan Pro, Peach, Amount, or similar)
• Experience with feature flags and gradual rollout strategies
• Interest in leveraging AI tools to accelerate development velocity
• Secret Management using AWS Secret Manager

• Comprehensive medical, dental, and vision coverage
• 20 PTO days + 11 paid holidays
• 401(k) retirement with company matching
• Student Loan & Tuition Reimbursement
• Commuter assistance
• Parental leave (maternal + paternal)
• Inclusion and Associate Engagement Programs