Senior Full Stack Developer

**About Us**: We are a U.S.based fintech platform founded in 2021, focused on modernizing and digitizing the lending and payments ecosystem. 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 - 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 - 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