Software Developer - Full Stack

Location: Philippines

Department: Technology

MoneySmart Group is a trusted personal finance platform in Southeast Asia, helping consumers compare and apply for financial products such as loans, insurance, and credit cards. Founded in Singapore in 2009, our mission is to simplify complex financial decisions and empower people to make informed choices with confidence.

Mission

As a Software Developer at MoneySmart, you will design, build, and maintain end-to-end software solutions that power our consumer-facing products and internal platforms. You will work across backend and frontend systems, collaborate closely with product and design, and take ownership from problem definition through to production delivery.

You are expected to use AI-assisted development tools as part of your daily workflow, while applying strong engineering fundamentals, critical thinking, and judgment to ensure solutions are scalable, secure, and maintainable.

Responsibilities

• Build, improve, and maintain software systems, with a focus on performance, reliability, and long-term maintainability
• Deliver on key initiatives end to end from ideation and requirement understanding through analysis, technical design, development, testing, and product delivery
• Take full ownership of assigned work, including implementation details, quality, edge cases, and follow-through after release
• Write clean, well-structured, and well-tested code, ensuring appropriate test coverage and adherence to engineering standards
• Use AI-assisted development tools and workflows to improve development efficiency, debugging, and documentation, while validating all outputs through sound engineering judgment
• Collaborate with product, design, and other teams to ensure solutions are aligned with customer needs and broader system context
• Continuously learn and improve, staying curious about better ways to build software and contributing learnings back to the team

Requirements

• Bachelor’s degree in Computer Science, Engineering, or a related field
• 3+ years of experience building and maintaining production software systems
• Strong foundation in software engineering fundamentals, including object-oriented design, separation of concerns, and system design basics
• Experience with backend development using frameworks such as Ruby on Rails or Python-based stacks, including building and maintaining RESTful APIs
• Experience working with relational databases (e.g. PostgreSQL, MySQL), including schema design and writing efficient, maintainable queries
• Working experience building frontend features using modern JavaScript frameworks such as React or Vue
• Experience writing and maintaining unit, integration, and end-to-end tests for production systems
• Working understanding of LLM fundamentals, prompt engineering concepts, and the inference layer
• Hands-on experience using AI-assisted development tools such as GitHub Copilot, Cursor, or Claude Code in day-to-day development
• Experience applying AI-assisted workflows across the development lifecycle, with the ability to validate AI-generated output for correctness, security, and maintainability
• Exposure to building or integrating simple LLM-powered features or internal workflows, including working with prompt templates, prompt engineering patterns, API-based model calls, or lightweight RAG-style implementations
• Ability to communicate clearly, work effectively across teams, and take ownership of technical outcomes

MoneySmart Culture Values & Tenets

The traits we admire are core intrinsic qualities we look for in someone we want on our team, and we look for people who are Hungry, Humble and Smart. We also expect all our people to uphold the following company values:

• Play to win as a team
• Solve for the customer
• Embrace a personal growth mindset
• Step up and own it
• Challenge the status quo and deliver outcomes

MoneySmart Group is an equal opportunity employer. Please include only relevant details and avoid unnecessary information (e.g., photos, age) in your job application to assist us in ensuring that the interview process is devoid of bias.