Oneapp

Software Engineer, Lending

United States · Remote (country restricted) · FullTime

USD 150,000–220,000/year

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About the role

Description from the employer’s posting. Check the employer’s page for the current version.

EmployerOneapp
LocationUnited States
Work styleRemote (country restricted)
Employment typeFullTime
Employer posted2 months ago
Salary (as stated by the employer)USD 150,000 – 220,000 per year

About OnePay

OnePay 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:

Show full description

Ready to run

Hungry and driven by urgency

Exceptional at what they do, with low ego

Comfortable operating in motion

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 Typescript front to back, with node and NestJS frameworks for server code and React Native for our iOS, Android, and Web clients. We run on a highly distributed cloud-native stack with Kubernetes and AWS, and scale and resiliency are at the heart of everything we build. We also embrace agentic development, so engineers have their choice of a variety of models and agent harnesses, including Claude Code, Cursor, Codex, and more 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 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!

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.

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