Senior Backend Engineer

OnePay is a consumer financial services app with an exceedingly simple mission: to help people achieve financial progress.

Tens of millions of Americans today are unbanked or underbanked, meaning they don’t have enough money in savings to cover a minor emergency. They pay too much in fees, don’t have access to credit at affordable rates, and have little ability to grow their wealth. OnePay’s vision is to create a single app for consumers to save, spend, borrow, and grow their money, bringing our mission to life with simple and accessible banking, credit, and payments products that deliver a best-in-class experience to millions of customers. Our products include:

• Checking and high-yield savings accounts

• Domestic and international peer-to-peer payments

• Credit Builder and credit score monitoring

• Digital wallet / contactless payment solutions

• Credit card program

• Buy-now-pay-later installment loans at Walmart

• Prepaid mobile service

Why do we have a right to win? We have the backing of Walmart (a Fortune 1) and Ribbit Capital (a preeminent fintech investor), are deeply embedded with the distribution of the world’s largest omnichannel retailer, and have an industry-leading multi-product value proposition — all in addition to having some of the best people and talent in the industry.

There’s never been a better time to build a category-defining business and there has rarely been a team better positioned for the opportunity. Join us!

Software Engineers at One build the products & systems that serve our customers and run our company. Besides writing, reviewing, and shipping code, engineers collaborate with others across the company, from product, design, and data to, customer support, ops, and compliance. Software Engineers at One are highly technical, communicative, and emotionally intelligent.

This role is responsible for:

• Working closely with other engineers to ship code. We enjoy collaboration and partnering on hard problems.

• Building and maintaining documentation. As a growing and remote organization, having the necessary docs are key to our success.

• Solving complex problems that arise at scale. We deal with real-world money movement, sensitive financial data at scale, and are creating novel financial mechanics with no real precedent.

The Team

The Servicing team builds the systems that power customer support and internal operations at scale. From AI-driven chatbots using LLMs + RAG to tools that help agents resolve issues fast, our work directly impacts how OnePay serves millions of users. We send over 150M+ comms/month (and still growing), automate voice/chat interactions, and support servicing for new products like Invest, Crypto, and Credit. Our team tackles everything from dispute workflows to agent authorization, enabling seamless, secure, and scalable servicing.

If you love solving complex problems, building for scale, and shaping how customers interact with financial services, this is the team for you.

• 4-7 years professional experience building, shipping — and growing — non-trivial products & services.

• Professional experience building, shipping — and growing — non-trivial products & services

• We are hiring at all levels of seniority for backend engineers.

• Passion for your craft and care for the people you work with. You value quality across code, communication, and culture.

• An act-like-an-owner mentality. We have a bias toward taking action.

• A desire to keep growing your skills, and an ability to learn quickly. We hope you’ll be here for a while, and there’s no better investment than in our people.

• The Triple H Factor: Hungry, Humble, Honest

• Competitive cash

• Benefits effective on day one

• Early access to a high-potential, high-growth fintech

• Generous stock option packages in an early-stage startup

• Employer Provident Fund contributions

• Comprehensive health insurance for you and your family (health insurance, accident and disability insurance, term life insurance), including mental health support and wellness programs

• Flexible time off programs – vacation, sick and other paid leaves and paid regional holidays

• Monthly transport allowance over and above fixed cash for office commutes

• Monthly work-from-home stipend over and above fixed cash for internet and utilities

• Hybrid working model – work with our team in Bengaluru three times a week

• Initial Interview with Talent Partner

• Technical or Hiring Manager Interview

• Team Interview

• Executive Interview

• Offer!

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 [email protected].