Staff Full Stack Engineer, Lending

OnePay

104d

About The Position

OnePay is a consumer financial services app with an exceedingly simple mission: to help people achieve financial progress. Tens of millions of Americans today are unbanked or underbanked, meaning they don’t have enough money in savings to cover a minor emergency. They pay too much in fees, don’t have access to credit at affordable rates, and have little ability to grow their wealth. OnePay’s vision is to create a single app for consumers to save, spend, borrow, and grow their money, bringing our mission to life with simple and accessible banking, credit, and payments products that deliver a best-in-class experience to millions of customers. Our products include checking and high-yield savings accounts, domestic and international peer-to-peer payments, credit builder and credit score monitoring, digital wallet/contactless payment solutions, and buy-now-pay-later installment loans at Walmart. We have the backing of Walmart and Ribbit Capital, are deeply embedded with the distribution of the world’s largest omnichannel retailer, and have an industry-leading multi-product value proposition. Join us!

Requirements

• Deep expertise in building and scaling distributed systems, high-throughput APIs, and data-intensive services
• Strong full-stack skills, with fluency in backend architecture and modern frontend frameworks
• Experience designing systems with reliability, security, and performance in mind — ideally in payments, lending, or other regulated consumer finance domains
• Exceptional technical leadership and communication skills with a track record of influencing architecture and product direction
• Drive and proactivity – everyone here is a builder and executor

Responsibilities

• Lead the design and delivery of high-impact, technically complex projects that power our lending platform at scale
• Provide technical leadership and clear, impactful communication to cross-functional stakeholders
• Drive hyper-optimization of lending systems to meet the needs of a large and growing addressable market
• Collaborate closely with product, design, and operations partners to build seamless, trustworthy lending experiences
• Mentor engineers across the team, fostering best practices in architecture, code quality, and scalability

Benefits

• 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

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level