Staff Backend Engineer- Product

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

As a Staff Engineer at OnePay, you’ll serve as a highly versatile technical leader and contributor, tackling complex engineering challenges across multiple domains. Rather than being tied to a single product or team, you’ll be deployed as a utility player where the business needs you most—whether that’s scaling systems, guiding architectural decisions, or accelerating delivery of user-facing features. You’ll collaborate broadly with engineering, product, and design, and play a pivotal role in shaping OnePay’s technical foundation and customer experience.

• Lead design and implementation of high-scale systems and features across product lines, serving as a trusted technical partner for multiple teams.

• Provide architectural guidance and hands-on contributions to ensure reliability, security, and performance across OnePay’s platform.

• Tackle complex, novel engineering problems in areas such as payments, servicing, and consumer-facing experiences.

• Mentor and level up other engineers, raising the technical bar across the org.

• Contribute to shaping the core infrastructure and developer experience that power our products
  

• 10+ years of professional software engineering experience, including at least 3 years in a senior or staff-level capacity driving technical outcomes.

• Proven success building and scaling user-facing products or backend systems in fast-paced environments.

• Proven ability to quickly ramp up across different technical areas and lead complex initiatives, regardless of stack or domain.

• Strong ability to operate autonomously, navigate ambiguity, and quickly align stakeholders.

• Bonus: Experience working with AI-powered or user-facing AI products (e.g., personalization, conversational agents, recommendation systems).

• Drive and proactivity – everyone here is a builder and executor.

We use Node and TypeScript on the server, leveraging the NestJS framework within a microservice-oriented architecture running on Kubernetes and AWS. On the client side, we build and ship product features for iOS, Android, and web platforms using React Native. While you don’t need experience with our exact stack, familiarity with modern software engineering practices will help you ramp up quickly.

• 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

• Initial Interview with Talent Partner

• Technical or Hiring Manager Interview

• Team Interview

• Executive Interview

• Offer!

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 [email protected].