Senior Software Engineer

Senior Software Engineer

Founded in Scottsdale, Arizona, equipifi is a fast growing, early-stage SaaS fintech building the credit infrastructure for modern banking. We make Buy Now, Pay Later a native banking product by powering financial institutions with flexible financing solutions embedded within their digital banking experience. Our team is built on experience, talent, and - most importantly, attitude. We thrive in a fast-paced environment and value infinite curiosity, a people-first mindset, and a shared commitment to learning, growth, and pride in the work we do. At equipifi, we practice radical transparency, encouraging team members to move quickly, share ideas openly, and collaborate with peers who will respectfully challenge one another as we learn, build, and grow together. Success in this role comes from the ability to adapt fast, question the status quo, explore new ideas, and ask thoughtful (sometimes uncomfortable) questions - all while maintaining momentum in service of better customer outcomes. The work we do takes a village - and in an environment that moves fast, we embrace the adventure together.

As a Senior Software Engineer on our Core Team, you'll help build the operating system powering modern banking and commerce. We've launched a category-defining product transforming how consumers access credit through their financial institutions - and now we're scaling the platform behind it. (Quickly, buckle up!) You'll work on high-throughput transaction pipelines, real-time decisioning across millions of accounts, and deep integrations with core banking systems. This is distributed-systems engineering at real scale. You'll own features end-to-end, architect solutions alongside Product, and ship resilient, production-grade systems built to last. We move fast, lean into AI-native development, and reward curiosity. If you love experimenting with new tools, optimizing for speed without sacrificing quality, and solving hard problems - you'll thrive here.

Outcomes You'll Own:

• Scale & Performance of Core Systems
• Architecture & End-to-End Ownership
• AI-Native Development & Engineering Velocity

What You Bring to Equipifi:

• 5-7+ years of building and shipping real-world, full-stack software
• Strong experience with TypeScript in Node.js (our primary stack)
• Experience with Golang for backend services
• Experience designing and scaling microservices in distributed systems
• Hands-on experience with AWS, containerized deployments (ECS or similar), and infrastructure-as-code (CDK, etc.)
• A strong testing mindset
• Experience with event-driven systems
• Ability to architect your own solutions
• Fintech or banking experience is a big plus
• Strong product instincts, relentless curiosity, and low-ego collaboration

Your Future Team:

You'll report to our Engineering Director, Dean Hawkins. This is a highly collaborative, low-ego environment where engineers and Product genuinely work side by side - shaping solutions together, not tossing tickets over the wall.

Equipifi Benefits:

• Competitive compensation includes stock options offered to all employees
• Unlimited Paid Time Off, plus paid holidays, and parental leave
• Flexible hybrid office/work from home philosophy
• 401(k) program available with 50% match up to 5%
• Comprehensive medical, dental and vision insurance coverage with 100% of employee premiums paid for by equipifi and 50% for dependents' premiums
• Long-term and Short-term disability, as well as term life insurance coverage with 100% of premiums paid for by equipifi

If this role gets you excited and you feel you'd bring insight, creativity, and passion to what we are building, we strongly encourage you to apply. Our qualifications are meant to set everyone up for success, but let's face it - startups aren't in the business of mundane box checking. We're committed to building a team with diverse backgrounds, experiences, and ways of thinking, because that's how we tackle big challenges and grow together.