Senior Software Engineer, Backend (Card Loan Platform)

About Us: Perpay is a certified B Corp and Philadelphia’s most impactful growth-stage startup. We are driven by a mission to significantly improve the financial stability of everyday Americans. For the past decade, we have established strong product-market fit and a profitable, efficient operating model across a suite of products, positioning Perpay as the premier financial partner for consumers with subprime credit. With over 500,000 customers who have utilized more than $1 billion in spending power, we are at a pivotal moment. We are scaling our operations, building new offerings, and deepening our impact. We are looking for teammates eager to join us on this journey. Our venture partners include First Round Capital and L Catterton. Products we’ve built to make an impact: Perpay Marketplace: Combines interest-free payments and modern e-commerce to reduce cost of ownership and promote healthy repayment behavior. Perpay+: Leverages Marketplace repayment history to help members monitor and build credit with all 3 credit bureaus. Perpay Credit Card: Expands access to the flexibility and benefits of a World Mastercard by removing common barriers like high security deposits and low approval odds. Our team thrives on in-person collaboration, operating from our unique center-city Philadelphia office. This comfortable "home away from home" space offers river views and fosters rapid product development, strong relationships, and career growth. The energy from achieving big wins is palpable here. While we primarily work in the office, we offer sensible flexibility for personal needs, such as sick children or urgent errands, and coordinate official remote weeks around major holidays. If you are passionate about a meaningful mission, collaboration, equity, and generous perks, Perpay is the best place to be in Philadelphia right now. About the Role: We are looking for senior backend engineers passionate about backend technology, excellent user experience and system reliability.

At Affirm, we exist for the moments that matter—giving people a clear, predictable way to pay over time, with no hidden fees, no surprises, and no tradeoffs on what matters most. We are reinventing credit cards entirely. We are working directly with card issuers to change how credit is used throughout the world, creating new types of cards that work for both their everyday lives and large purchases with extremely straightforward, flexible terms. We are looking for a Senior Staff Software Engineer to take on a critical role in defining and leading technical excellence. You’ll partner with other engineering leaders in revolutionizing the way the team works, shaping the culture of engineering across Cards. You will lead from the front on AI while holding the bar high on quality. You’ll collaborate with engineering leaders, create and implement technical strategy across full-stack teams, and coordinate closely with stakeholders to build scalable, reliable, and high-performing solutions. You'll help shape best practices, guide architectural choices, and drive the successful delivery of critical initiatives. This role requires a high level of technical ability, leadership and project management skills, strong cross-functional communication, and a customer-first mindset. What You'll Do Lead the vision – Define the technical direction, long-term technical roadmap, and strategic initiatives in Cards. Be a role model - Lead from the front as an example in using AI to build fast, take initiative, and revolutionize how we work. Stay close to industry leaders in FinTech, learning from what is happening in the market to build our team. Work closely with stakeholders across all teams at Affirm to champion and implement technical excellence in conjunction with business results Create and influence a strong ownership culture across teams, with high accountability and investment for building for scale and efficiency Architect and contribute to deci

We believe that the way people interact with their finances will drastically improve in the next few years. We’re dedicated to empowering this transformation by building the tools and experiences that thousands of developers use to create their own products. Plaid powers the tools millions of people rely on to live a healthier financial life. We work with thousands of companies like Venmo, SoFi, several of the Fortune 500, and many of the largest banks to make it easy for people to connect their financial accounts to the apps and services they want to use. Plaid’s network covers 12,000 financial institutions across the US, Canada, UK and Europe. Founded in 2013, the company is headquartered in San Francisco with offices in New York, Seattle, Washington D.C., Raleigh, London, and Amsterdam. Plaid’s mission is to unlock financial freedom for everyone by making money movement and access to financial data simple and secure. As a Software Engineer, you will design and build the systems that power how millions of people connect to their finances. You will work across the stack, from reliable backend services and APIs to intuitive applications that bring those systems to life. You will collaborate with engineers, product managers, and designers to ship products that make financial services more accessible and transparent. At Plaid, engineers take ownership early, grow quickly, and see their work reach millions of users. Responsibilities: Design & Development: Build and maintain backend services with a focus on performance, reliability and scalability. Collaboration: Work closely with product managers and other stakeholders to define and implement new features that meet product and customer needs. Code Quality: Write clean, maintainable and efficient code. Testing & Debugging: Develop automated tests to ensure the quality and reliability of the codebase. Troubleshoot and resolve issues. Engage in hands-on coding and architectural design, setting and maintaining high

We believe that the way people interact with their finances will drastically improve in the next few years. We’re dedicated to empowering this transformation by building the tools and experiences that thousands of developers use to create their own products. Plaid powers the tools millions of people rely on to live a healthier financial life. We work with thousands of companies like Venmo, SoFi, several of the Fortune 500, and many of the largest banks to make it easy for people to connect their financial accounts to the apps and services they want to use. Plaid’s network covers 12,000 financial institutions across the US, Canada, UK and Europe. Founded in 2013, the company is headquartered in San Francisco with offices in New York, Seattle, Washington D.C., Raleigh, London, and Amsterdam. Plaid’s mission is to unlock financial freedom for everyone by making money movement and access to financial data simple and secure. As a Software Engineer, you will design and build the systems that power how millions of people connect to their finances. You will work across the stack, from reliable backend services and APIs to intuitive applications that bring those systems to life. You will collaborate with engineers, product managers, and designers to ship products that make financial services more accessible and transparent. At Plaid, engineers take ownership early, grow quickly, and see their work reach millions of users. Responsibilities: Design & Development: Build and maintain backend services with a focus on performance, reliability and scalability. Collaboration: Work closely with product managers and other stakeholders to define and implement new features that meet product and customer needs. Code Quality: Write clean, maintainable and efficient code. Testing & Debugging: Develop automated tests to ensure the quality and reliability of the codebase. Troubleshoot and resolve issues. Engage in hands-on coding and architectural design, setting and maintaining high

Join us in building the future of finance. Our mission is to democratize finance for all. An estimated $124 trillion of assets will be inherited by younger generations in the next two decades. The largest transfer of wealth in human history. If you’re ready to be at the epicenter of this historic cultural and financial shift, keep reading. Senior Software Engineer, Backend About the team + role We are building an elite team, applying frontier technologies to the world’s biggest financial problems. We’re looking for bold thinkers. Sharp problem-solvers. Builders who are wired to make an impact. Robinhood isn’t a place for complacency, it’s where ambitious people do the best work of their careers. We’re a high-performing, fast-moving team with ethics at the center of everything we do. Expectations are high, and so are the rewards. Robinhood’s engineering organization spans Crypto, Brokerage, and Core Engineering, each responsible for systems that are foundational to how customers invest and manage their money! These teams build and operate platforms for trading, custody, ledgers, reporting, payments, and shared infrastructure, with a strong focus on correctness, reliability, and customer trust. Engineers partner closely with product, design, data, and infrastructure teams to deliver software that performs at scale. As a Senior Software Engineer , you will design and build large-scale distributed systems that support real-time trading, balances, and platform capabilities. You will lead technically complex projects, contribute to architectural decisions, and collaborate with frontend and data partners to deliver well-structured APIs. Your work will directly influence system performance, operational safety, and long-term maintainability across core Robinhood products. This role is based in our Menlo Park, CA and New York, NY offices, with hybrid attendance expected at least 3 days per week. At Robinhood, we believe in the power of in-person work to accelerate progr

We believe that the way people interact with their finances will drastically improve in the next few years. We’re dedicated to empowering this transformation by building the tools and experiences that thousands of developers use to create their own products. Plaid powers the tools millions of people rely on to live a healthier financial life. We work with thousands of companies like Venmo, SoFi, several of the Fortune 500, and many of the largest banks to make it easy for people to connect their financial accounts to the apps and services they want to use. Plaid’s network covers 12,000 financial institutions across the US, Canada, UK and Europe. Founded in 2013, the company is headquartered in San Francisco with offices in New York, Seattle, Washington D.C., Raleigh, London, and Amsterdam. Plaid’s mission is to unlock financial freedom for everyone by making money movement and access to financial data simple and secure. As a Software Engineer, you will design and build the systems that power how millions of people connect to their finances. You will work across the stack, from reliable backend services and APIs to intuitive applications that bring those systems to life. You will collaborate with engineers, product managers, and designers to ship products that make financial services more accessible and transparent. At Plaid, engineers take ownership early, grow quickly, and see their work reach millions of users. Responsibilities: Design & Development: Build and maintain backend services with a focus on performance, reliability and scalability. Collaboration: Work closely with product managers and other stakeholders to define and implement new features that meet product and customer needs. Code Quality: Write clean, maintainable and efficient code. Testing & Debugging: Develop automated tests to ensure the quality and reliability of the codebase. Troubleshoot and resolve issues. Engage in hands-on coding and architectural design, setting and maintaining high