Software Engineer, Lending

OnePay

• $125K — $150K *
US-AnywhereRemote in United States
Finance & Insurance
Less than 5 years of experience
Job Overview by Ladders

Qualifications

  • 5+ years of experience building and scaling complex systems.
  • Strong background in distributed systems and data-intensive services.
  • Expertise with both backend architecture and modern frontend frameworks.
  • Experience in regulated consumer finance, payments, or lending.
  • Exceptional communication and technical leadership skills.

Responsibilities

  • Lead design and delivery of complex lending projects.
  • Provide technical leadership to cross-functional teams.
  • Drive optimization of lending systems for scalability.
  • Collaborate with product and design for seamless user experiences.
  • Mentor team members on architecture and coding best practices.

Benefits

  • Competitive base salary and stock options.
  • Health benefits starting from Day 1.
  • 401(k) plan with company match.
  • Remote-friendly environment and flexible time off.
  • Growth opportunities in a mission-driven culture.
Full Job Description
The Role

As a Full Stack Engineer on our Lending team, you'll help deliver impactful projects at scale and support the technical direction of lending products that reach millions of customers.

What You'll Do
  • 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


You Bring
  • 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


Tools We Use

We use Node and TypeScript on the server, leveraging the NestJS framework in a microservice-oriented architecture running on Kubernetes and AWS. On the client side, we build and ship features for iOS, Android, and web platforms using React Native. We also embrace AI-assisted development, so engineers have their choice of Claude Code or Cursor to fit their workflow. Experience with our exact stack isn't required-familiarity with modern software engineering practices will help you ramp up quickly.

What We Offer
  • 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


Standard Interview Process

Our process varies by role. Most candidates go through:
  • AI-assisted initial screen
  • Interview with Talent Partner
  • Technical or Hiring Manager Interview
  • Team Interview
  • Executive Interview
  • Offer!


Similar Jobs

More Jobs at OnePay

More Finance & Insurance Jobs

Find similar Software Engineer, Lending jobs: