Senior Backend Engineer - Grant Underwriting and Payment
Core
Building and scaling critical backend systems for underwriting decisions, payment processing, and collection strategies in a fintech lending platform.
Role type
Senior Backend Engineer (Fintech Infrastructure)
Builds
Multi-rail payment systems, distributed backend services, background job processing pipelines, and data pipelines for ML models.
Domain
Fintech / Lending / Payments
Deliverable
production ML models | product features | infrastructure
Required skills
Distributed systems design, background job processing (Sidekiq), database optimization, caching strategies, performance tuning, modern backend frameworks, system architecture.
Preferred skills
Payment systems experience, regulated environments (ACH/card/RTP), ML productionization, fintech/lending infrastructure, system observability, technical leadership, mentorship.
Technologies
Sidekiq, ACH, RTP, Card networks, ML models.
Responsibilities
Own and scale multi-rail payment systems (ACH, RTP, card) for high reliability; design scalable backend services for millions of transactions; optimize background job infrastructure for underwriting and collections; lead architectural decisions for core financial systems; build data pipelines powering ML decision engines.
Seniority
Senior, hands-on IC with technical leadership