Job Overview
Location
New York, USA
Job Type
Full-time
Category
Backend Engineer
Date Posted
February 26, 2026
Full Job Description
đź“‹ Description
- • Join CreditGenie, Inc. as a Staff Software Engineer, Backend, and play a pivotal role in shaping the future of our mobile-first financial wellness platform. Founded in 2019 and backed by Khosla Ventures, CreditGenie is revolutionizing financial inclusion by leveraging artificial intelligence to offer personalized insights, instant cash access, and credit-building tools. Led by industry pioneers from PayPal, Square, and Cash App, we are building a cutting-edge financial ecosystem designed to empower individuals to achieve long-term financial stability.
- • In this critical role, you will be instrumental in designing and building the core backend systems that power our innovative financial products. This is a unique opportunity to architect highly scalable infrastructure, influence technical direction, and contribute to products from their inception. You will be at the forefront of greenfield development, making foundational technical decisions that will define our platform for years to come. Your work will have a direct and profound impact on both the company's trajectory and the financial well-being of our diverse user base.
- • Your primary responsibility will be to own backend systems end-to-end. This encompasses the entire lifecycle from initial architecture and design through to deployment and ongoing optimization, with a relentless focus on ensuring high performance, robust security, and exceptional scalability for our next-generation financial products. You will be tasked with building and scaling systems that can handle significant growth and evolving user needs in the dynamic fintech landscape.
- • As a key contributor to greenfield development initiatives, you will have the exciting challenge of working on new projects from the ground up. This involves making crucial, foundational technical decisions that will shape the long-term architecture and maintainability of our platform. You will be empowered to explore innovative solutions and set the technical standards for future development.
- • Collaboration is at the heart of our success. You will partner closely with cross-functional teams, including product managers, designers, data scientists, and other engineering disciplines. This collaborative approach ensures that we are building impactful features that address complex business challenges and deliver exceptional user experiences. You will actively contribute to discussions, share insights, and work cohesively to achieve shared goals.
- • You will provide significant technical leadership within the engineering team. This includes leading critical technical, design, and product discussions, championing best practices in system design, coding standards, comprehensive testing strategies, and efficient DevOps processes. Your expertise will guide the team towards building robust, reliable, and maintainable software.
- • A core aspect of this role is customer-focused innovation. You will be responsible for scoping, building, and optimizing products and services that deliver immediate and meaningful value to our users. This involves understanding user needs, translating them into technical requirements, and delivering solutions that enhance their financial wellness and empower them to take control of their financial future.
- • You will be expected to apply your passion for tackling complex challenges with structured thinking and analytical rigor. This means being able to break down intricate systems, identify potential flaws or inefficiencies, and implement scalable, secure, and maintainable solutions that stand the test of time.
- • We operate in a fast-moving, iterative environment where a bias for action is essential. You will thrive in this setting, taking full ownership of projects, driving tangible impact, and working collaboratively across product, design, and engineering teams to deliver results efficiently.
- • A strong understanding of data privacy, compliance, and secure coding practices is paramount. You will be responsible for designing and implementing resilient and reliable systems that meet stringent security and regulatory standards inherent in the financial services industry.
- • This role offers a unique opportunity to influence the technical direction of a rapidly growing fintech startup, contribute to products that genuinely help people, and be part of a mission-driven team dedicated to financial inclusion. You will work with modern technologies and have the autonomy to make significant technical contributions.
🎯 Requirements
- • 8+ years of experience designing, building, and scaling high-performance backend systems in a fast-paced, high-growth environment.
- • Expertise in architecting and productionizing large-scale distributed systems.
- • Strong understanding of data privacy, compliance, and secure coding practices, with experience designing resilient and reliable systems that meet high security and regulatory standards.
- • Passion for tackling complex challenges with structured thinking and analytical rigor, with the ability to break down intricate systems and implement scalable, secure, and maintainable solutions.
🏖️ Benefits
- • 100% company-paid medical, dental, and vision coverage for you and your dependents from day one.
- • Up to $100 per month in fitness reimbursement or a complimentary full membership to LifeTime Fitness or Equinox.
- • 401(k) with a 3.5% match and immediate vesting.
Skills & Technologies
Swift
Backend
Senior
Remote
About CreditGenie, Inc.
CreditGenie offers cash-advance and financial-wellness services through a mobile app that tracks spending, flags upcoming bills, and provides small-dollar advances without traditional interest. Users link bank accounts to receive personalized budgeting insights and optional advances against future income, repaid automatically on the next payday. The company also markets credit-monitoring and identity-protection add-ons. Headquartered in Philadelphia, it partners with Pathward, N.A. for banking services and operates under state lending licenses across the U.S.
