About the Role
RecargaPay is building the financial super-app for Latin America, and Lending is one of our fastest-growing verticals. As a Senior Software Engineer on the Lending squad, you'll own the backend systems that power our credit products — from risk decisioning to the loan lifecycle experience inside the app. This is a high-ownership role. You'll work on systems where correctness, resilience, and security are non-negotiable, and where the quality of your thinking has a direct impact on financial outcomes for millions of customers.
Requirements
- Design and build backend services that support the full credit journey — origination, analysis, disbursement, and repayment — with a focus on customer experience.
- Contribute to risk-aware system design: model edge cases, reason about failure modes, and build controls that protect customers and the business.
- Write production-grade Java/Spring services on AWS, with a strong emphasis on observability, fault tolerance, and security. Participate actively in technical decisions — architecture reviews, RFCs, incident retrospectives — and influence how the team solves hard problems.
- Collaborate closely with product, data, and risk teams to translate complex business requirements into reliable, maintainable software.
- Mentor peers through code reviews and technical discussions, raising the bar without gatekeeping.
What We're Looking For
- Strong backend engineering fundamentals with hands-on experience in Java and Spring (Boot, MVC, Security, Data).
- Solid AWS experience — you've designed and operated distributed services in the cloud, not just deployed to it. A structured approach to problem analysis: you don't just solve the ticket — you understand the system, the tradeoff, and the downstream risk.
- Comfort operating autonomously: you drive tasks to completion, surface blockers early, and don't need someone to define the next step for you.
- Clear, direct communication — you can explain a technical position to an engineer, a product manager, or a risk analyst without losing the substance.
- Experience building systems where reliability and security are first-class concerns (financial services, payments, or regulated domains is a plus).
Nice to Have
- Experience in credit, lending, or financial products. Familiarity with event-driven architectures (Kafka or similar).
- Knowledge of fraud prevention, risk scoring, or compliance patterns.
- Experience with CI/CD pipelines and infrastructure-as-code.
Benefits
- Competitive and market-aligned salary.
- Remote work — wherever you are, you’re part of the team!
- Home office allowance through a monthly deposit in the RecargaPay app.
- Health and dental plans with no co-pay.
- Life insurance.
- Flexible meal allowance (via Flash).
- TotalPass membership to take care of your health.
At RecargaPay, you’ll have the freedom to be who you are because we believe that diverse perspectives and experiences make us more creative and stronger. Here, everyone is welcome to express themselves authentically. We value the richness of each journey and the multiple ways of seeing the world, without distinctions of gender, race, sexual orientation, age, religion, or any other characteristic that makes us unique.
About the Use of Your DataBy sharing your resume with us, you authorize the use of your data for analysis during the selection process and possibly for other opportunities within the RecargaPay group. You can request the update or deletion of your information at any time, in accordance with LGPD (General Data Protection Law).
Skills Required
- Strong backend engineering fundamentals
- Hands-on experience with Java and Spring, including Spring Boot, MVC, Security, and Data
- Solid AWS experience designing and operating distributed cloud services
- Experience building reliable and secure systems
- Ability to analyze systems, tradeoffs, failure modes, and downstream risks
- Ability to work autonomously and drive tasks to completion
- Clear and direct communication with engineering, product, and risk stakeholders
- Experience in financial services, payments, or regulated domains
- Experience in credit, lending, or financial products
- Familiarity with event-driven architectures such as Kafka
- Knowledge of fraud prevention, risk scoring, or compliance patterns
- Experience with CI/CD pipelines and infrastructure as code
What We Do
RecargaPay is an all-in-one payments superapp based in Brazil that invites people to switch out of autopilot and rethink their finances based on convenience, affordability, and flexibility. The platform streamlines payments for over 7 million Brazilians by consolidating credit and debit cards, instant payments like Pix, and Open Finance, on a mission to democratize mobile payments and financial services in Brazil. Featuring services such as bill payments, mobile top-ups, public transportation, installment plans, and loans, designed with convenience, low cost and flexibility in mind. RecargaPay is changing the way both banked and unbanked Brazilians make their everyday payments and access their financial services. Founded in 2010, having already received over $120 million in funding from investors that include IFC and IADB, RecargaPay is authorized as a Payments Institution and SCD by the Brazilian Central Bank.
