Senior Full Stack Developer

Description

Summary: Seeking a Senior Full Stack Developer to build scalable, secure, API-driven architecture within a backend-heavy fintech system, solving real-world financial logic problems. Highlights: 1. High-impact role in a fast-growing fintech platform 2. Direct involvement in architectural decisions 3. Team that values ownership, precision, and execution **About Us** ------------ We are a U.S.\-based fintech platform founded in 2021, focused on modernizing and digitizing the lending and payments ecosystem. We operate a multi\-lender lending platform and are expanding into payments and financial infrastructure. Our roadmap includes complex underwriting workflows, multi\-party application flows, role\-based systems, API\-driven integrations, and money movement infrastructure. We're looking for a **Senior Full Stack Developer** who thrives in backend\-heavy fintech systems and can build scalable, secure, API\-driven architecture while supporting front\-end development as needed. If you enjoy solving real\-world financial logic problems, integrating third\-party services, and building structured systems inside AWS — this role is for you. **What You'll Be Doing** ------------------------ ### **Backend (Primary Focus)** * Designing and building scalable backend services using **PHP (Laravel)** * Developing and maintaining RESTful APIs for internal and external integrations * Implementing complex business logic related to: + Loan origination workflows + Offer presentation logic + Funding and settlement flows + Payments and money movement Role\-based permissions and application assignment + * Integrating with third\-party APIs (lenders, payment processors, KYC providers, credit bureaus, etc.) * Designing clean database architecture in **MySQL** * Writing optimized queries and ensuring data integrity * Implementing secure authentication \& authorization (JWT, OAuth, role\-based access) * Handling asynchronous processes, webhooks, queues, and background jobs * Writing unit and integration tests for backend services * Refactoring legacy code for scalability and maintainability Participating in architectural discussions and technical planning * ### **Frontend (Secondary Support)** * Supporting development in **React.js** * Building and maintaining API\-connected UI components * Working with existing design systems and UI structure * Ensuring proper state management and API consumption Debugging cross\-stack issues (frontend* backend) **System \& Infrastructure Responsibilities** --------------------------------------------- * Working within **AWS infrastructure** (EC2, RDS, S3, IAM, etc.) * Understanding deployment workflows and environment separation (dev / staging / production) * Collaborating with DevOps on CI/CD pipelines * Ensuring performance, security, and monitoring standards are met * Supporting system scalability and uptime **Fintech\-Specific Responsibilities** -------------------------------------- * Building and maintaining systems that handle: + Sensitive PII (SSNs, EINs, banking data) + Loan calculations and APR logic + Funding disbursement and reconciliation + ACH/card payment processing logic + Status\-driven workflows (multi\-stage application lifecycle) * Ensuring compliance\-conscious development (data protection, auditability, traceability) * Working with structured underwriting and lender program logic * Supporting webhook\-driven external lender responses and state updates **What We Expect** ------------------ * 6\+ years of experience in backend or full stack development * Strong experience with **PHP (Laravel framework required)** * Experience with **React.js** * Strong experience with **MySQL database design and optimization** * Experience working within **AWS environments** * Strong experience integrating external APIs (REST required) * Experience working in fintech, lending, payments, or financial platforms (required) * Strong understanding of: + Secure coding practices + Authentication \& authorization models + API\-driven architecture + Webhooks \& async processing * Ability to debug complex cross\-system issues * Experience working in structured Jira\-based sprint environments * Clean, maintainable coding standards * English B2\+ minimum **Nice to Have** ---------------- * Experience with financial calculations (APR, amortization schedules, payment schedules) * Experience with queue systems (Redis, SQS, etc.) * Experience with GraphQL * Experience building role/permission matrices * Experience working with credit bureaus or KYC providers * Experience building audit logs and compliance reporting features **What Success Looks Like in This Role** ---------------------------------------- * You take ownership of backend features from specification to production * You anticipate edge cases in financial logic * You build integrations that are resilient and well\-structured * You reduce technical debt, not increase it * You proactively identify architectural risks before they become issues * You communicate clearly with Product, BA, and DevOps teams **What We Offer** ----------------- * Fully remote work * Transparent and competitive compensation * High\-impact role in a fast\-growing fintech platform * Direct involvement in architectural decisions * A team that values ownership, precision, and execution * 20 paid vacation/sick days per year **Working Hours** ----------------- This role is aligned with U.S. Eastern Time to support live production systems and real\-time platform operations. * Standard schedule: **12 PM – 8/9 PM EST (Monday–Friday)** * Provides strong overlap with U.S.\-based operations, product, and support workflows