Software Engineer - Backend

Responsibilities

• Design and build backend systems for applications, underwriting, accounts, ledgers, transactions, payments, rewards, risk, and partner APIs.
• Take projects from ambiguity through scoping, design, implementation, testing, rollout, and ongoing operations.
• Work across domains and services to address the highest-value problems.
• Partner with product, risk, compliance, operations, vendors, and external partners to deliver systems for a regulated environment.
• Improve system reliability, observability, and developer experience.
• Build and operate production backend services that move real money and make credit decisions.

Requirements

• Strong systems thinking and problem-solving skills, including the ability to reason about unfamiliar systems and make sound decisions with incomplete information.
• Experience building and operating production backend services and shipping projects end to end.
• Solid fundamentals in distributed systems, APIs, databases, and infrastructure.
• Proficiency in a modern backend language and ecosystem; Cardless primarily uses Java with Python for data work.
• Clear communication and strong attention to correctness.
• Fintech, payments, lending, card issuing, authorization, ledgers, settlement, reconciliation, disputes, or regulatory experience is preferred.
• Experience with Temporal, Step Functions, event streaming, or external partner-facing APIs is preferred.

Benefits

• Annual starting base salary of $160,000-$295,000 plus equity and benefits.
• Meaningful startup equity.
• 100% primary health, vision, and dental coverage and 75% dependent coverage.
• Catered lunches, a $250 monthly commuter benefit, parental leave, team-building events, happy hours, flexible PTO with a minimum of 15 days off per year, Apple equipment, and a 401(k) plan.
• In-office five days per week at the San Francisco, California office.