About OnePayOnePay 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 runHungry and driven by urgencyExceptional at what they do, with low egoComfortable operating in motionThe RoleAs a Full Stack Engineer on our Lending team, you will deliver highly complex projects at scale and shape the technical direction of lending products that reach millions of customers.What You’ll DoLead the design and delivery of high-impact, technically complex projects that power our lending platform at scaleProvide technical leadership and clear, impactful communication to cross-functional stakeholdersDrive hyper-optimization of lending systems to meet the needs of a large and growing addressable marketCollaborate closely with product, design, and operations partners to build seamless, trustworthy lending experiencesMentor engineers across the team, fostering best practices in architecture, code quality, and scalabilityYou BringDeep expertise in building and scaling distributed systems, high-throughput APIs, and data-intensive servicesStrong full-stack skills, with fluency in backend architecture and modern frontend frameworksExperience designing systems with reliability, security, and performance in mind — ideally in payments, lending, or other regulated consumer finance domainsExceptional technical leadership and communication skills with a track record of influencing architecture and product directionDrive and proactivity – everyone here is a builder and executorTools We UseWe 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.What We OfferCompetitive base salary, stock options, and health benefits from Day 1401(k) plan with company matchRemote-friendly (US), flexible time off (FTO), and opportunities for growthA high-growth, mission-driven, inclusive culture where your work has real impactStandard Interview ProcessInitial Interview with Talent PartnerTechnical or Hiring Manager InterviewTeam InterviewExecutive InterviewOffer!Equal Employment OpportunityTo 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.