Who We Are
Cross River builds the infrastructure behind the world’s most innovative financial products. Our technology and capital solutions power payments, cards, lending, and digital asset capabilities that move money safely, instantly, and inclusively — trusted by leading fintechs, enterprises, and disruptors across the globe.
Our mission is simple: to build the financial infrastructure that expands access and opportunity for all. Guided by a culture of collaboration, curiosity, and purpose, Cross River has been named one of American Banker’s Best Places to Work in Fintech year after year. Whether you’re designing code, solving regulatory puzzles, or developing strategy, you’ll join a team where innovation and integrity drive everything we do — and where your work helps shape the future of finance.
What We're Looking For
We're seeking a skilled Software Engineer to contribute to one of our Lending teams at Cross River, building the technology that helps fintech partners originate, fund, service, and sell consumer and commercial loans across a compliant, end-to-end lifecycle. You'll be a hands-on engineer who writes quality code, solves complex technical problems, and collaborates across teams to deliver reliable and scalable solutions in the lending domain. The ideal candidate is a strong engineer who is passionate about building mission-critical lending infrastructure at scale.
Responsibilities:
- Design, develop, and deliver scalable software modules and components
- Build backend systems using a mix of technologies. Languages may include C# and Python. Databases may include PostgreSQL, SQL Server and DocumentDB. Infrastructure includes AWS, Docker, and Kubernetes
- Implement, test, and iterate on software solutions that address both short-term and long-term considerations with a maintainable, sustainable mindset
- Participate in code reviews and provide constructive feedback to peers
- Collaborate with senior engineers and cross-functional teams to define technical approaches and solutions
Qualifications:
- 4+ years of experience developing enterprise systems in modern, current object-oriented languages, with at least 2+ years of C# or Python
- 2+ years of experience with SQL, preferably PostgreSQL or SQL Server
- Experience working with AI assistive and agentic code generation (e.g. Copilot, Claude Code, Cursor)
- Database persistence frameworks (e.g. nHibernate, Entity Framework)
- Strong communication skills
- Experience or understanding of Domain Driven Design
- Cloud Architecture - preferably AWS
- Docker / Containers
- Financial industry / accounting experience or understanding is helpful, but not required
- Experience designing and developing distributed systems and event driven architecture is preferred. Ideally with understanding or exposure to:
- MassTransit or NServiceBus
- RabbitMQ
- Idempotency
#LI-AL1 #LI-Remote
Salary Range: $120,000.00 - $160,000.00
Cross River is an Equal Opportunity Employer. Cross River does not discriminate on the basis of race, religion, color, sex, gender identity, sexual orientation, age, non-disqualifying physical or mental disability, national origin, veteran status or any other basis covered by appropriate law. All employment is decided on the basis of qualifications, merit, and business need.
By submitting your application, you give Cross River permission to email, call, or text you using the contact details provided. We will only contact you with job related information.
Skills Required
- 4+ years of experience developing enterprise systems in modern object-oriented languages
- At least 2 years of experience with C# or Python
- 2+ years of experience with SQL
- Experience with PostgreSQL or SQL Server
- Experience working with AI assistive and agentic code generation tools such as Copilot, Claude Code, or Cursor
- Experience with database persistence frameworks such as NHibernate or Entity Framework
- Strong communication skills
- Experience or understanding of Domain-Driven Design
- Cloud architecture experience, preferably AWS
- Experience with Docker or containers
- Financial industry or accounting experience or understanding
- Experience designing and developing distributed systems and event-driven architecture
- Understanding or exposure to MassTransit or NServiceBus
- Understanding or exposure to RabbitMQ
- Understanding or exposure to idempotency
Cross River Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Cross River and has not been reviewed or approved by Cross River.
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Healthcare Strength — Company materials state it pays 100% of premiums for medical, dental, and vision for eligible employees and their families, and covers $100,000 life and $100,000 AD&D. Feedback often highlights this employer-paid coverage as a standout element of the package.
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Affordable Benefits — Fully covered health premiums reduce employee out-of-pocket premium costs and increase the perceived value of total compensation. Feedback suggests strong ratings for health, dental, and vision coverage.
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Wellbeing & Lifestyle Benefits — Hybrid flexibility (role/location dependent), wellness budgets in some regions, and HQ amenities like a gym, cafe, shuttle, haircuts, and dry cleaning are highlighted in company materials. Learning and development support, an employee development fund, and volunteer opportunities are also featured.
Cross River Insights
What We Do
Cross River provides technology infrastructure powering the future of financial services. Leveraging a proprietary real-time banking core, Cross River delivers innovative and scalable embedded payments, cards, lending, and crypto solutions to millions of consumers and businesses. Cross River is backed by leading investors and serves the world’s most essential fintech and technology companies. Together with its partners, Cross River is reshaping global finance and financial inclusion. Member FDIC.
