Backend Engineer (Lending)

ABOUT ONEPAY

OnePay is the consumer fintech trusted by millions of Americans to make money better.

Our financial system is broken. High fees, low rates, and too few ways to actually grow your money. We’re fixing it. And we’re moving fast.

We’re an all-in-one financial services platform that brings together banking, high-yield savings, credit cards, point-of-sale lending, investing, and crypto in one place. We also partner with employers, HCM providers, gig platforms, and others to deliver embedded financial services to millions of employees and frontline workers.

We’re backed by Walmart, the world’s largest retailer, and Ribbit Capital, one of fintech’s most respected investors, giving us rare scale, distribution, and the opportunity to build something truly category-defining.

But what really sets OnePay apart is how we move. Our customers don’t have time to wait… and neither do we. This place moves fast, and we’re looking for people who are:

• Ready to run

• Hungry and driven by urgency

• Exceptional at what they do, with low ego

• Comfortable operating in motion

THE ROLE

Software Engineers at OnePay build the products & systems that serve our customers and run our company. Besides writing, reviewing, and shipping code, engineers collaborate with others across the company, from product, design, and data to, customer support, ops, and compliance. Software Engineers at OnePay are highly technical, communicative, and emotionally intelligent.

This role is responsible for:

• Working closely with other engineers to ship code. We enjoy collaboration and partnering on hard problems.

• Building and maintaining documentation. As a growing organization, having the necessary docs are key to our success.

• Solving complex problems that arise at scale. We deal with real-world money movement, sensitive financial data at scale, and are creating novel financial mechanics with no real precedent.

YOU BRING

• 3-7 years professional experience building, shipping — and growing — non-trivial products & services.

• Professional experience building, shipping — and growing — non-trivial products & services

• We are hiring at all levels of seniority for backend engineers.

• Passion for your craft and care for the people you work with. You value quality across code, communication, and culture.

• An act-like-an-owner mentality. We have a bias toward taking action.

• A desire to keep growing your skills, and an ability to learn quickly. We hope you’ll be here for a while, and there’s no better investment than in our people.

• The Triple H Factor: Hungry, Humble, Honest

TOOLS WE USE

We use Node and TypeScript on the server, leveraging the NestJS framework within a microservice-oriented architecture running on Kubernetes and AWS. On the client side, we build and ship product features for iOS, Android, and web platforms using React Native. We also embrace AI-assisted development, so engineers have their choice of Claude Code or Cursor to fit their workflow. While you don't need experience with our exact stack, familiarity with modern software engineering practices will help you ramp up quickly.

WHAT WE OFFER

• Competitive salary, stock options, and benefits from Day 1

• Comprehensive health insurance coverage (health insurance, accident and disability insurance, term life insurance), including mental health support and wellness programs

• Hybrid work model (Bengaluru office three days a week), various time off programs (vacation, sick, other paid leaves, and paid regional holidays)

• Monthly transport and work-from-home allowances

• A high-growth, mission-driven, inclusive culture where your work has real impact

STANDARD INTERVIEW PROCESS

• Initial Interview with Talent Partner

• Technical or Hiring Manager Interview

• Team Interview

• Executive Interview

• Offer!

EQUAL EMPLOYMENT OPPORTUNITY

To build technology and products that are used and loved by people and solve real-world problems, we need to build a team with many different perspectives and experiences. We are an equal opportunity employer. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We encourage candidates from all backgrounds to apply. Applicants in need of special assistance or accommodation during the interview process or in accessing our website may contact us at talent@onepay.com.