Senior Software Engineer (PHP)

NMI

7h•$115,000 - $130,000•Remote

About The Position

NMI is looking for an experienced Senior Software Engineer (Full-Stack) to join our Fee Navigator team, part of our Account Management & Signup Tools value stream. FeeNavigator is a platform that automates merchant statement analysis and proposal generation — ingesting a processing statement in virtually any format, classifying every fee, computing markup and potential savings, and producing a signable proposal in seconds. It replaces work that previously took analysts hours per statement, and it sits at the heart of how our partners win and retain merchants. This role is ideal for a seasoned engineer who can navigate complex systems, enjoys solving genuinely hard engineering challenges, and operates with a high degree of autonomy within a collaborative, agile team. In this role, you’ll contribute across the full software development lifecycle — from planning and design through implementation, code review, testing, and deployment. You’ll work within a cross-functional team alongside Product and fellow engineers to deliver high-quality, secure software that powers our fee-analysis and proposal platform.

Requirements

Bachelor’s degree in Computer Science or equivalent experience
5+ years of experience developing complex applications
Fluency in PHP and modern development practices
Strong understanding of object-oriented programming and design patterns
Experience with relational databases such as MySQL (schema design, query optimization)
Experience with modern frontend development (JavaScript/TypeScript, Vue, npm, basic CSS/SCSS)
Comfort working in large, established codebases — able to navigate unfamiliar systems, untangle complexity, and make sound changes with limited guidance
Familiarity with secure coding principles
Experience with Git and CI/CD workflows
Experience contributing across the full SDLC
Effective use of AI-assisted development tools, with the judgment to know where they add value and the discipline to review and validate their output
Ability to work both independently and collaboratively

Nice To Haves

Strong experience with Laravel or similar modern PHP frameworks
Experience with the Vue ecosystem (Quasar, Pinia, Vite)
Experience with containerization technologies (Docker)
Experience with caching technologies (Redis, Memcached)
Experience with AWS services (ECS, ECR, S3, SQS)
Experience working with logging & monitoring systems (e.g., Sentry, New Relic)
Understanding of cloud-native or SaaS architectures (scalability, resilience, multitenancy)
Exposure to Python and ML-adjacent services (Flask, Pandas, scikit-learn)
Experience integrating AI capabilities into applications, or building workflows that incorporate them
Track record of raising engineering standards on a team — improving test coverage, reducing technical debt, or modernizing legacy code

Responsibilities

Design, build, and enhance features within FeeNavigator using PHP/Laravel and Vue
Develop efficient database queries and optimize MySQL performance as needed
Own the quality of your work end-to-end through developer-led testing — writing unit, integration, and end-to-end tests, and validating your own changes through to production
Improve the health of a large, established codebase by refactoring complex areas and decomposing high-complexity components into maintainable, well-structured code
Document critical business logic, application workflows, and key architectural decisions
Collaborate with Product Managers to refine requirements and contribute to technical solution design
Participate in code reviews to maintain high engineering standards and share best practices
Work with SRE to ensure software is observable, resilient, secure, and production-ready
Diagnose and resolve incidents, defects, and performance bottlenecks in collaboration with cross-functional teams
Contribute to continuous improvement of development processes, tooling, and engineering practices