Senior Software Engineer

Dave vs. Goliath. We’re Dave. Dave is a financial app on a mission to build products that level the financial playing field. It is redefining the financial landscape by leveraging technology to create an affordable, transparent, and user-centric access to liquidity for millions of Americans. As a leading innovator in the U.S. financial services sector, Dave’s digital financial platform offers products designed to meet the credit needs of those underserved by traditional financial institutions. Dave’s offerings include its flagship ExtraCash product, providing members up to $500 within minutes. The company is on track to launch several new product offerings in 2026, including a Buy Now Pay Later (BNPL) option. Dave is focused on serving Americans who are financially vulnerable or living paycheck to paycheck. Dave is leading the charge in creating a new era of credit products that prioritizes speed, affordability, and accessibility, making it the go-to financial partner for those who need it most. The Opportunity We're looking for a Senior Software Engineer, Backend to help build and evolve the core platform that powers Dave's banking and payments experience for millions of members. This team owns the systems behind Dave Bank accounts, debit cards, payment processing, and the integrations that connect us with sponsor banks, payment processors, and financial partners. In this role, you'll help shape the architecture of critical backend services while working closely with product, engineering, and cross-functional partners to deliver reliable, secure, and scalable solutions. You'll have meaningful ownership over systems that directly impact our members' ability to move money confidently and securely while helping establish the technical foundation that supports Dave's continued growth. What You’ll Build and Own Design, build, and maintain scalable, secure, and resilient backend services using TypeScript and Node.js. Own and evolve distributed systems that support banking, card management, payment processing, and partner integrations. Architect technical solutions that balance immediate business needs with long-term scalability, maintainability, and security. Collaborate with product managers, designers, and engineers to translate business goals into thoughtful technical solutions. Improve platform reliability by proactively identifying risks, optimizing performance, and strengthening observability through logging and monitoring. Design efficient data models and storage solutions across SQL and NoSQL databases. Participate in code reviews that improve code quality while mentoring teammates through constructive feedback. Continuously improve engineering practices by refactoring systems, reducing technical debt, and sharing knowledge across the team. The Impact The systems you build will power some of Dave's most important financial products, enabling members to access and move their money securely and reliably. Your work will influence the long-term evolution of our banking platform while helping create a more dependable experience for millions of customers. What We’re Looking For Experience and Technical Foundation Bachelor's degree in Computer Science or a related field, or equivalent combination of education and relevant experience. 4+ years of software engineering experience with a focus on backend development. Professional experience building backend applications with TypeScript and Node.js. Strong understanding of software engineering fundamentals, design patterns, and algorithms. Experience designing and developing RESTful APIs. Experience building scalable distributed systems and cloud-native applications. Strong problem-solving skills with the ability to evaluate complex technical challenges and deliver practical, maintainable solutions. Excellent communication skills with a track record of collaborating effectively across engineering and cross-functional teams. Ability to thrive in an agile environment while balancing independent ownership with collaborative execution. Bonus Points Experience integrating with enterprise payment processors. Experience building systems in PCI-compliant environments or other highly regulated industries. Familiarity with banking, payment infrastructure, or financial services platforms. Curiosity for emerging technologies and a commitment to continuous learning and professional growth. What Makes Someone Successful Here You'll do well in this role if you enjoy solving meaningful technical challenges and take ownership of outcomes, not just individual tasks. You think beyond the immediate implementation, considering how architecture decisions affect reliability, scalability, and the broader business. You value clean design, thoughtful trade-offs, and building systems that continue to perform as Dave grows. Success also comes from strong collaboration. You'll work closely with engineers, product managers, and partners across the company, welcoming feedback and sharing knowledge to strengthen both the platform and the team. Priorities may evolve as our products grow, and you'll help shape solutions while maintaining momentum and keeping our members' experience at the center of every decision. What to Expect You'll join a collaborative engineering team with meaningful ownership over foundational financial infrastructure. We make data-informed decisions, invest in engineering quality, and continuously improve our systems as our products and member needs evolve. You'll have the opportunity to influence technical direction while working alongside experienced teammates who value thoughtful collaboration and sustainable execution. Why Join Dave Build technology that helps millions of people improve their relationship with money. Own critical platform services that power banking and payments across Dave. Work on complex distributed systems with real business impact. Collaborate with experienced engineers in a culture that values ownership, learning, and continuous improvement. Help shape the future of Dave's financial platform as we continue to grow. Ready to build for the underdog? Don’t let imposter syndrome get in the way of an incredible opportunity. We’re looking for people who can help us achieve our mission and vision, not just check off the boxes. If you’re excited about this role, we encourage you to apply. You may just be the right candidate for this or other roles. Why you’ll love working here: At Dave, our people are just as important as our product. Our culture reflects the values that guide who we are, how we work, and what we aspire to be. Daves are member-centric, helpful, transparent, persistent, and better together. We strive to create an environment where all Daves feel valued, heard, and empowered to do their best work. As a virtual-first company, team members can live and work anywhere in the United States, except Hawaii. A few of our benefits & perks : Opportunity to tackle tough challenges, learn and grow from fellow top talent, and help millions of people reach their personal financial goals Flexible hours and virtual-first work culture with a home office stipend Premium Medical, Dental, and Vision Insurance plans Generous paid parental and caregiver leave 401(k) savings plan with matching contributions Financial advisor and financial wellness support ️ Flexible PTO and generous company holidays, including Juneteenth and Winter Break All-company in-person events once or twice a year and virtual events throughout to connect with your team members and leadership team Dave Operating LLC is proud to be an Equal Employment Opportunity employer and is dedicated to cultivating a diverse and inclusive workplace. We will consider for employment all qualified applicants and do not discriminate on any basis protected by federal, state, or local law, including the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance relating to an applicant's criminal history. #LI-REMOTE