Software Engineer, Product

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 RoleThe @Work team is responsible for OnePay's employer benefit features, including Instapay, savings, and budgeting. As a Full Stack Engineer at OnePay, you will build simple and beautiful experiences for people's crucial daily interactions with their money, earnings, and pay schedules. What You’ll DoLead technical design and implementation for projects powering our @work platformSet architectural standards and ensure best practices in code quality, performance, and scalabilityPartner closely with product, design, and operations to shape and deliver @Work product strategyOversee optimization of systems for reliability, security, and scalabilityOwn technical decision-making, balancing rapid delivery and sustainable solutionsYou Bring5+ years of experience building and scaling distributed systems, high-throughput APIs, or data-intensive servicesSolid hands-on full-stack engineering skills, with proficiency in backend architecture and modern frontend frameworksExperience designing or working on reliable, secure, and high-performance systems -ideally in payments, EWA, or other regulated consumer finance domainsClear communication skills and a collaborative working styleInitiative and growth mindset - eager to learn and contribute as a team playerTools 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. We also embrace AI-assisted development, so engineers have their choice of Claude Code or Cursor to fit their workflow. 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 ProcessOur process varies by role. Most candidates go through:AI-assisted initial screenInterview 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 <[email hidden]>.