Staff Full Stack Engineer, Lending
About OnePay 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 accountsDomestic and international peer-to-peer paymentsCredit Builder and credit score monitoringDigital wallet / contactless payment solutionsBuy-now-pay-later installment loans at WalmartWhy do we have a right to win? We have the backing of Walmart (a Fortune 1) and Ribbit Capital (a preeminent fintech investor), are deeply embedded with the distribution of the world's largest omnichannel retailer, and have an industry-leading multi-product value proposition — all in addition to having some of the best people and talent in the industry.There's never been a better time to build a category-defining business and there has rarely been a team better positioned for the opportunity. Join us!The RoleAs a Staff 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 executorrWhat We Offer Competitive 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 Process Initial Interview with Talent PartnerTechnical or Hiring Manager InterviewTeam InterviewExecutive InterviewOffer!Equal Employment Opportunity 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 talent@onepay.com.