About Us We are a U.S.-based fintech platform founded in 2021, focused on modernizing and digitizing the lending and payments ecosystem. We operate a multi-lender lending platform and are expanding into payments and financial infrastructure. Our roadmap includes complex underwriting workflows, multi-party application flows, role-based systems, API-driven integrations, and money movement infrastructure. We’re looking for a Senior Full Stack Developer who thrives in backend-heavy fintech systems and can build scalable, secure, API-driven architecture while supporting front-end development as needed. If you enjoy solving real-world financial logic problems, integrating third-party services, and building structured systems inside AWS — this role is for you. What You’ll Be Doing Backend (Primary Focus) Designing and building scalable backend services using PHP (Laravel) Developing and maintaining RESTful APIs for internal and external integrations Implementing complex business logic related to: Loan origination workflows Offer presentation logic Funding and settlement flows Payments and money movement Role-based permissions and application assignment Integrating with third-party APIs (lenders, payment processors, KYC providers, credit bureaus, etc.) Designing clean database architecture in MySQL Writing optimized queries and ensuring data integrity Implementing secure authentication & authorization (JWT, OAuth, role-based access) Handling asynchronous processes, webhooks, queues, and background jobs Writing unit and integration tests for backend services Refactoring legacy code for scalability and maintainability Participating in architectural discussions and technical planning Frontend (Secondary Support) Supporting development in React.js Building and maintaining API-connected UI components Working with existing design systems and UI structure Ensuring proper state management and API consumption Debugging cross-stack issues (frontend ↔ backend) System & Infrastructure Responsibilities Working within AWS infrastructure (EC2, RDS, S3, IAM, etc.) Understanding deployment workflows and environment separation (dev / staging / production) Collaborating with DevOps on CI/CD pipelines Ensuring performance, security, and monitoring standards are met Supporting system scalability and uptime Fintech-Specific Responsibilities Building and maintaining systems that handle: Sensitive PII (SSNs, EINs, banking data) Loan calculations and APR logic Funding disbursement and reconciliation ACH/card payment processing logic Status-driven workflows (multi-stage application lifecycle) Ensuring compliance-conscious development (data protection, auditability, traceability) Working with structured underwriting and lender program logic Supporting webhook-driven external lender responses and state updates What We Expect 6+ years of experience in backend or full stack development Strong experience with PHP (Laravel framework required) Experience with React.js Strong experience with MySQL database design and optimization Experience working within AWS environments Strong experience integrating external APIs (REST required) Experience working in fintech, lending, payments, or financial platforms (required) Strong understanding of: Secure coding practices Authentication & authorization models API-driven architecture Webhooks & async processing Ability to debug complex cross-system issues Experience working in structured Jira-based sprint environments Clean, maintainable coding standards English B2+ minimum Nice to Have Experience with financial calculations (APR, amortization schedules, payment schedules) Experience with queue systems (Redis, SQS, etc.) Experience with GraphQL Experience building role/permission matrices Experience working with credit bureaus or KYC providers Experience building audit logs and compliance reporting features What Success Looks Like In This Role You take ownership of backend features from specification to production You anticipate edge cases in financial logic You build integrations that are resilient and well-structured You reduce technical debt, not increase it You proactively identify architectural risks before they become issues You communicate clearly with Product, BA, and DevOps teams What We Offer Fully remote work Transparent and competitive compensation High-impact role in a fast-growing fintech platform Direct involvement in architectural decisions A team that values ownership, precision, and execution 20 paid vacation/sick days per year Working Hours This role is aligned with U.S. Eastern Time to support live production systems and real-time platform operations. Standard schedule: 12 PM – 8/9 PM EST (Monday–Friday) Provides strong overlap with U.S.-based operations, product, and support workflows Show more Show less