About us:
Spring Financial is a Canadian financial technology company focused on making every day financial services simpler, faster, and more accessible.
We build technology that helps Canadians build credit, save money, and access lending products without unnecessary friction. Our platforms allow customers to apply and manage their finances online, by text, or over the phone, making the experience convenient and flexible.
Since launching in 2014, Spring has grown into one of Canada’s largest fintechs, with over 250,000+ product originations across credit-building products, personal lending, and mortgage solutions.
We’re a fast-growing, product-driven team that values practical solutions, strong execution, and thoughtful collaboration. We give people ownership, trust them to make decisions, and focus on building systems that scale reliably.
If you’re interested in working on real-world fintech platforms used by hundreds of thousands of Canadians, Spring offers the opportunity to make a tangible impact through well-built technology.
NOTE: This is a full-time, permanent, hybrid position in downtown Vancouver. 3 set days in the office and 2 WFH.
About the role:
You will design, build, and operate software that runs in production. This role is an entry point to the full software development lifecycle: you will design solutions, write the code, deploy it, monitor it, and keep it healthy. Senior engineers will support your growth, and they will expect you to ship real work.
You will build across the stack, from back-end services and APIs to customer-facing front-ends, and you will learn how our systems fit together to deliver value. You will weigh performance, maintainability, and speed of delivery against each other and defend your choices. You will question assumptions, propose improvements, and own the quality and stability of what you ship.
We are an AI-native engineering team. AI is not a tool we encourage you to try. It is how we build. We expect two things, and we treat them as distinct skills.
The first is using AI agents as your primary development method. You decompose a problem into specifications an agent can execute, you direct the agent through the work, and you review every change it produces before it ships. You do not trust agent output on faith. You read the diff, you understand it, and you own its correctness. You build the test and validation harness that lets you verify agent-generated changes quickly, and you know when a problem is better solved without an agent.
The second is building AI into the products themselves: calling LLM APIs, wiring up tool use, and assembling agentic workflows that solve customer problems. This is a strong plus rather than a requirement. Tell us which of these you have done and how far you took it.
You will own the validation of your own changes end to end: unit tests, integration tests, end-to-end flows, and any manual checks the change requires. You will learn to build observability into your services, respond to production issues, and work within our CI/CD and automation pipelines.
You will also begin building the communication skills and business awareness that engineering at this company requires. You will work with product managers and designers to clarify scope and expected behavior, and you will learn how your work connects to customer value and business priorities.
What you’ll do:
- Build and maintain features and services across the stack: front-end, back-end, and infrastructure.
- Direct AI agents through development tasks. Decompose problems into specs, delegate the work, and review every generated change before it ships.
- Build the test and validation harness that lets you verify agent output fast: unit, integration, and end-to-end coverage.
- Use AI across the full workflow, from investigating bugs to refactoring to documentation, and judge when not to use it.
- Walk us through AI-built projects or prototypes you have shipped, and explain the decisions behind them.
- Collaborate with senior engineers and cross-functional partners in Product, Design, and QA to deliver customer value.
- Take part in code reviews, ask questions, and sharpen your technical skills.
- Write clean, testable code and own the validation of your changes end to end.
- Debug and resolve production issues with support from your team.
- Adopt our DevOps practices: CI/CD, observability, and incident response.
- Join team stand-ups, planning sessions, and retrospectives.
What we're looking for:
Requirements
- 1 to 2 years of software engineering experience through work, internships, co-ops, or substantial personal projects.
- Projects you can walk us through where AI agents were central to how you built them, not just an assistant on the side. Be ready to explain what the agent did, what you did, and how you verified the result.
- Proficiency in at least one modern programming language, such as TypeScript, Java, Python, or PHP.
- Hands-on experience building full-stack applications, from front-end interfaces to back-end services and APIs.
- Familiarity with AI development tools and workflows: AI coding agents, LLM APIs, prompt engineering, and agentic patterns.
- Basic exposure to AWS or an equivalent cloud platform. You will grow this through guided work.
- Working knowledge of web architecture (client and server), APIs, and databases.
- Experience with version control and automated testing.
- A drive to grow through feedback, collaboration, and real work.
A plus, not required
- You have built AI features into a product: LLM API integration, tool use, retrieval, or multi-step agentic workflows.
What We Will Give You:
- Competitive annual salary ranging from $74,000 to $87,000, reflective of experience and impact.
- Comprehensive benefits package, including extended health, dental, and vision coverage — with 100% of monthly premiums covered by the Spring.
- GRSP matching program to support your long-term financial goals.
- A modern, collaborative workspace in the heart of downtown Vancouver.
- Ongoing career growth opportunities
Please note: Upon applying, our Talent Acquisition team will review your resume. If you qualify, we will reach out to learn more about your experience and answer any questions you may have about the role, benefits, compensation, and more. Due to high application volume, we may not be able to respond to everyone.
Thank you for your interest! We appreciate your time and look forward to reviewing your application!
Skills Required
- 1 to 2 years of software engineering experience (work, internships, co-ops, or substantial personal projects).
- Projects where AI agents were central to development and you can explain the agent's role and verification approach.
- Proficiency in at least one modern programming language such as TypeScript, Java, Python, or PHP.
- Hands-on experience building full-stack applications, including front-end interfaces and back-end services/APIs.
- Familiarity with AI development tools and workflows: AI coding agents, LLM APIs, prompt engineering, and agentic patterns.
- Basic exposure to AWS or an equivalent cloud platform.
- Working knowledge of web architecture (client and server), APIs, and databases.
- Experience with version control (e.g., Git) and automated testing (unit, integration, end-to-end).
- Drive to grow through feedback, collaboration, and real work (soft skill).
- Built AI features into a product (LLM integration, retrieval, tool use, multi-step agentic workflows).
What We Do
Spring Financial is a leading financial technology company that provides all Canadians with simplified money solutions to help build credit, save money, and borrow responsibly. Millions of Canadians have been locked out of the financial system and are stuck in a payday cycle of high-interest debt without any opportunity to improve their situation. Our mission is to democratize access to better credit with an industry-leading suite of financial solutions that provide better opportunities for Canadians to build credit, save money, and access premium loan products. Our industry-leading product set—including signature credit-building products, mortgage solutions, and personal lending—have allowed hundreds of thousands of Canadians to access financing online, via text, or over the phone – all from the comfort of their own home. Since our launch in 2014, we have become one of the largest fintech companies in Canada with over a million applicants and 250,000 product originations. We are a diverse, forward-thinking, and fast-growing team of high-energy innovators. We empower our employees by offering them opportunities to explore their interests and passions while helping them discover their full potential. We embrace both collaboration and individualism as we work towards a common goal – to make financing fair and accessible for all Canadians. If you want to be part of our mission to democratize access to better credit, we offer unmissable opportunities for ambitious candidates to step up and fast-track their career growth. Come and discover your potential at Spring Financial!
