Credit Genie is a mobile-first financial wellness platform designed to help individuals take control of their financial future. We leverage artificial intelligence to provide personalized insights and are building a financial ecosystem by offering tools and services that provide instant access to cash, and building credit. Our goal is to empower every customer to achieve long-term financial stability.
Founded in 2019 by Ed Harycki, former Swift Capital Founder (acquired by PayPal 2018). Backed by Khosla Ventures and led by industry pioneers from companies such as; PayPal, Square, and Cash App, we are well positioned to build the future of inclusive finance through cutting-edge technology and customer-centric solutions.
Overview
As a Senior Backend Engineer, you’ll play a pivotal role in shaping our platform, designing and building the core systems that power our financial products. You’ll have the opportunity to architect scalable infrastructure, drive technical direction, and work on products from the ground up. This is a rare chance to join a fast-growing fintech startup where your work will have a direct and meaningful impact on both the company and the financial well-being of our users.
What You'll Do
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Design, Build, and Scale – Own backend systems end-to-end, from architecture to deployment, ensuring high performance, security, and scalability for next-generation financial products.
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Greenfield Development – Work on new projects from scratch, making foundational technical decisions that will shape our platform for years to come.
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Cross-Functional Collaboration – Partner with product, design, data science, and adjacent engineering teams to build impactful features and solve complex business challenges.
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Technical Leadership – Lead critical technical, design, and product discussions, driving best practices in system design, coding, testing, and DevOps.
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Customer-Focused Innovation – Scope, build, and optimize products and services that deliver immediate and meaningful value to users.
Requirements
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5+ years of experience designing, building, and scaling high-performance backend systems in a fast-paced, high-growth environment.
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Expertise in architecting and productionizing large-scale distributed systems.
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Comfortable working across multiple technical areas and collaborating with frontend/mobile teams.
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Passion for tackling complex challenges with structured thinking and analytical rigor. Ability to break down intricate systems, identify flaws, and implement scalable, secure, and maintainable solutions.
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Thrives in a fast-moving, iterative environment with a bias for action. Excited to take full ownership of projects, drive impact, and work cross-functionally with product, design, and engineering teams.
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Strong understanding of data privacy, compliance, and secure coding practices. Experience with designing resilient and reliable systems that meet high security and regulatory standards.
Nice to Have
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Experience working with products related to lending, credit cards, payments, or other financial services.
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Familiarity with mobile app ecosystems and financial technology.
Benefits and Perks
Our goal is to provide a comprehensive offering of benefits and perks that promote better financial, mental, and physical wellness.
We believe working alongside each other is the best way to build a great product and company culture. While the expectation is to spend most of our time in office, we want to allow flexibility to employees when needed. Our goal is to provide an office environment for everyone that is inclusive and fosters collaboration while allowing for deep focus and productivity. We understand that life happens and there are circumstances that require flexibility. We want to support everyone in those moments and allow employees to operate outside of the office when needed. We are committed to ensuring that everyone is able to balance both their personal and professional responsibilities.
Here are some highlights of our benefits and perks offerings, feel free to ask your recruiting partner for more details on our comprehensive offering for employees.
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100% company-paid medical, dental, and vision coverage for you and your dependents on your first day of employment.
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401(k) with a 2.5% match and immediate vesting
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Meal program for breakfast, lunch, and dinner
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Monthly fitness reimbursement up to $100
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Life and accidental insurance
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Flexible PTO
Your actual level and base salary will be determined on a case-by-case basis and may vary based on the following considerations: job-related knowledge and skills, education, and experience. Base salary is just one part of your total compensation and rewards package at Credit Genie. You may also be eligible to participate in the bonus and equity programs. You will also have access to comprehensive medical, vision, and dental coverage, a 401(k) retirement plan with company match, short & long term disability insurance, life insurance, and flexible PTO along with many other benefits and perks.
Credit Genie is a proud Equal Opportunity Employer where we welcome and celebrate differences. We are committed to providing a workspace that is safe and inclusive, where everyone feels supported, connected, and inspired to do their best work. If you require any accommodations to participate in our recruitment process, please inform us of your needs when we contact you to schedule an interview.
Top Skills
What We Do
Credit Genie takes a non-traditional approach to debt relief - we perform a holistic review of a consumer's financial situation to calculate the appropriate debt reduction. Lenders have more confidence in Credit Genie's evidence-based, data driven, debt relief solution which along with helping the borrower directly, also reduces the risk of a borrower's complete default, and vastly improves overall default rates in the debt industry.
Led by founder Ed Harycki (former founder of Swift Capital / acquired by PayPal), Credit Genie is on a mission to help customers succeed by bringing ingenuity, fairness, and humanity to helping them resolve their personal debt matters.
The US consumer debt market is over $1.5 trillion and growing, with tens of millions of households struggling to meet their financial obligations. The current market to resolve this problem is fragmented, lacks transparency, and is very costly to consumers and their lenders.
Credit Genie is on a mission to fix this problem. We are building the first technology-based solution that allows borrowers to work directly with their lenders to find solutions that are fair to all parties. Through innovative debt relief solutions and its free cash advance app, Credit Genie is helping consumers tackle their unsecured debt burdens. Credit Genie is also developing educational programs to help ensure that consumers can better manage their financial affairs and achieve a healthier financial standing.
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