Software Engineer, Lending

Department: Engineering

Location: United States (Remote)

Compensation: $150K – $220K • Offers Equity

Employment Type: FullTime

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

As a Full Stack Engineer on our Lending team, you’ll help deliver impactful projects at scale and support the technical direction of lending products that reach millions of customers.

What You’ll Do

• Lead technical design and implementation for projects powering our lending platform

• Set architectural standards and ensure best practices in code quality, performance, and scalability

• Partner closely with product, design, and operations to shape and deliver lending product strategy

• Oversee optimization of systems for reliability, security, and scalability

• Own technical decision-making, balancing rapid delivery and sustainable solutions

You Bring

• 8+ years of experience building and scaling distributed systems, high-throughput APIs, or data-intensive services

• Solid hands-on full-stack engineering skills, with proficiency in backend architecture and modern frontend frameworks

• Experience designing or working on reliable, secure, and high-performance systems—ideally in payments, lending, or other regulated consumer finance domains

• Clear communication skills and a collaborative working style

• Initiative and growth mindset—eager to learn and contribute as a team player

Tools We Use

We use Node and TypeScript on the server, leveraging the NestJS framework in a microservice-oriented architecture running on Kubernetes and AWS. On the client side, we build and ship 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. Experience with our exact stack isn’t required—familiarity with modern software engineering practices will help you ramp up quickly.

What We Offer

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

• 401(k) plan with company match

• Remote-friendly (US), flexible time off (FTO), and opportunities for growth

• 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.