Software Engineer III - Backend (On-site ​/ SF

Software Engineering
- San Francisco, CA (SoMa / Financial District), CA
- Full Time

Who We Are

As seen on Tech Crunch, Forbes, and Bloomberg, Tomo Credit is one of the fastest-growing companies in Fin Tech, revolutionizing the credit system to open access to banking. Headquartered in the heart of San Francisco’s SoMa district, our mission is to replace the outdated credit system and empower individuals to build their financial future.

We value passionate, down-to-earth, and driven individuals who fine-tune small details without losing sight of the big picture. We’re looking for team members who approach obstacles as exciting challenges requiring creative solutions. If you’re a self-starter with a high degree of rigor, organization, and discipline—and take pride in your work we’d love to hear from you.

The Role

We’re seeking a Senior Software Backend Engineer (Software Engineer III) to join our small, dynamic team full-time at our San Francisco headquarters
. As a 100% in-office team
, we believe that the best financial products are built through high-bandwidth, face-to-face collaboration. As an early team member, you’ll take ownership of projects from concept to completion, drive technical decisions, and contribute to the growth of our technology stack. This is an exciting opportunity to shape a product that will directly impact millions of users.

At Tomo Credit, we believe in empowering our team members to grow their careers. As part of our team, you’ll have access to mentorship from seasoned Fin Tech executives and opportunities to take on increasing responsibilities as the company scales. We encourage career development and provide the resources needed to help you succeed.

What You’ll Be Doing

• Collaborate with design and product teams to define and launch new features.
• Take end-to-end ownership of backend projects, ensuring scalability and high performance.
• Design, build, and maintain robust APIs.
• Leverage AWS services to create robust, cloud-based solutions.
• Troubleshoot and resolve complex technical issues efficiently.
• Partner with the support team to address technical challenges and enhance the user experience.
• Conduct thorough QA testing to ensure high-quality releases.

What You’ll Need

Professional

Experience:

• 3–5 years of experience working with Node.js.
• Expertise in SQL databases, particularly Postgres or Redshift.
• Experience designing, building, and maintaining RESTful and GraphQL APIs.
• Hands‑on experience leveraging AWS services such as EC2, EBS, RDS, Cloud Watch, and Lambda.
• Demonstrated expertise in managing asynchronous processes and implementing messaging queues.

Education:

• Bachelor’s degree in Computer Science or a related field, or equivalent practical experience.

Key Skills and Attributes:

• Strong analytical skills for diagnosing and debugging complex technical issues.
• Excellent written and verbal communication skills.
• Proven ability to build and maintain relationships and integrations with technology partners.
• Passion for continuous learning and adopting new tools, technologies, and skills.
• Creativity and the ability to think outside the box.
• Enthusiasm for building innovative, cutting‑edge products.

Bonus

Qualifications:

• Experience in fintech or a deep understanding of financial technology.
• Familiarity with front‑end or mobile development, especially using frameworks like React or React Native, is a significant advantage and highly valued for this role.

Why Tomo Credit?

Join a team where your work makes a significant impact on the future of credit and banking. At Tomo Credit, you’ll collaborate with seasoned Fin Tech executives from Square, Lending Club, and American Express. We’re committed to fostering a culture where people love what they do and the team they work with. Here’s what we offer:

• Prime SF Location
  :
  Our office is in the SoMa/Financial District area, just steps from the Salesforce Transit Center and a short walk from Montgomery BART/MUNI, making for a seamless daily commute.
• Daily Catering & Snacks
  :
  We provide free daily lunches for the team, plus a fully stocked kitchen with high-quality snacks and drinks to keep you fueled.
• Competitive Salary
  :
  Reflecting your skills and experience.
• Equity
  :
  We…