Backend Engineer

Lutra AI

On-site

Toronto, ON

Full-time

Mid Level

3+ yrs

Salary not listedPosted 3w ago

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Real job — pulled straight from Lutra AI’s careers page · Verified July 22, 2026 · No reposts.

Lutra AI is hiring a Backend Engineer — a full-time, based in Toronto, ON role. Apply directly on Lutra AI's careers page below.

Backend Engineer

Location: Toronto, Ontario

Department: Engineering

Location Type: IN_OFFICE

Employment Type: FULL_TIME

Your opportunity

We’re supporting a fast-growing Canadian fintech that is reimagining how people manage their largest recurring expenses. Already processing over a billion dollars in annual payment volume and serving a rapidly expanding user base, this team is building critical financial infrastructure that requires robust, secure, and scalable systems. If you’re interested in designing and building financial platforms that handle millions of dollars in daily transactions while helping users unlock credit-building, rewards, and financial flexibility, this could be the right opportunity for you.

Our client is adding at least one more Backend Software Engineer to their core payments team. In this role, you’ll contribute to the architecture and development of backend systems that power their flagship financial platform. This may include building and scaling payment infrastructure, ledger systems, and APIs that must meet strict reliability and compliance standards, and/or generally tackling the ambiguous problems inherent in new product development.

You’ll work alongside engineering leadership, cross-functional partners and teammates to design and deliver backend services that users can depend on for their most important payments.

Key responsibilities

Backend service development: Design, build, and maintain backend services and APIs using NestJS and TypeScript on GCP, ensuring reliability, scalability, and security
Financial systems & ledger design: Build and optimize ledger systems, data models, and payment processing pipelines to handle high transaction volumes and maintain accurate audit trails
System scalability & performance: Participate in technical design discussions to ensure systems scale effectively as transaction volumes and feature complexity grow, while preserving compliance, performance, and reliability
Integration & compliance: Connect backend services with financial APIs, payment processors, and banking systems; ensure solutions meet PCI and SOC 2 requirements and align with regulatory standards
Infrastructure & reliability: Manage infrastructure as code using Terraform and GCP; design event-driven microservices using Pub/Sub; monitor production systems to ensure resilience and uptime
Cross-functional collaboration: Work closely with engineering, product, and compliance teams to translate requirements into technical solutions; contribute to a culture of mentorship, openness, and shared learning
Adaptability & innovation: Stay current with emerging technologies, frameworks, and industry best practices; experiment with new approaches to improve efficiency and strengthen the platform over time

Your know-how

3+ years of backend engineering experience
Strong expertise with Node.js (NestJS) and TypeScript for production APIs
Hands-on experience with ledger systems, double-entry bookkeeping, or financial data modeling
Background scaling systems handling high transaction volumes (millions/month)
Proficiency with PostgreSQL, database optimization, and GCP
Experience with payment processing, financial APIs, and regulatory compliance (PCI, SOC 2, etc.)
Strong communication skills and the ability to explain technical and financial concepts clearly
Track record of ownership and delivery in high-stakes environments