Software Engineer, Product Facing

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 Software Engineer at OnePay, your work will build the products & systems that serve our customers and run our company. You will play a crucial role in translating product visions into functional, high-quality applications and features. You will work closely with product managers, designers, and other engineers to deliver impactful solutions that enhance our customer's financial lives. You will:

• Develop and implement new features, API's, and products.

• Work closely with other engineers to ship code. We enjoy collaboration and partnering on hard problems.

• Architect and designing highly scalable and reliable products.

• Building and maintaining documentation. As a growing and remote organization, having the necessary documentation is key to our success.

• Solve complex problems that arise at scale. We deal with real-world money movement and sensitive financial data at scale and are creating novel financial mechanics with no real precedent.

You Bring

• 5+ years of professional experience in product-facing backend development.

• Strong track record of delivering high-impact features and products.

• Experience building, maintaining, and optimizing API's.

• Curiosity and passion for emerging AI tooling, with practical experience incorporating tools such as Cursor, GitHub Copilot, and Claude into real-world execution.

• Drive and proactivity - everyone here is a builder and executor

Tools We Use

We use Typescript front to back, with node and NestJS frameworks for server code and React Native for our iOS, Android, and Web clients. We run on a highly distributed cloud-native stack with Kubernetes and AWS, and scale and resiliency are at the heart of everything we build. We also embrace agentic development, so engineers have their choice of a variety of models and agent harnesses, including Claude Code, Cursor, Codex, and more to fit their workflow. While you don't need experience with our exact stack, 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

Our process varies by role. Most candidates go through:

• AI-assisted initial screen

• 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.