Software Engineer, Lending

OnePay

12d•$150,000 - $220,000•Remote

About The Position

OnePay is a consumer fintech company focused on improving the financial system by offering an all-in-one platform that includes banking, high-yield savings, credit cards, point-of-sale lending, investing, and crypto. They also partner with employers to deliver embedded financial services. Backed by Walmart and Ribbit Capital, OnePay emphasizes speed, urgency, and exceptional performance from its team members. The role of a Full Stack Engineer on the Lending team involves delivering impactful projects at scale and supporting the technical direction of lending products.

Requirements

8+ years of experience building and scaling distributed systems, high-throughput APIs, or data-intensive services
Solid hands-on full-stack engineering skills, with proficiency in backend architecture and modern frontend frameworks
Experience designing or working on reliable, secure, and high-performance systems—ideally in payments, lending, or other regulated consumer finance domains
Clear communication skills and a collaborative working style
Initiative and growth mindset—eager to learn and contribute as a team player

Nice To Haves

Familiarity with modern software engineering practices

Responsibilities

Lead technical design and implementation for projects powering our lending platform
Set architectural standards and ensure best practices in code quality, performance, and scalability
Partner closely with product, design, and operations to shape and deliver lending product strategy
Oversee optimization of systems for reliability, security, and scalability
Own technical decision-making, balancing rapid delivery and sustainable solutions