Staff Backend Engineer, Cards (Fintech)

TL;DR

Staff Backend Engineer, Cards (Fintech): Scaling a high-growth credit card platform and building systems for AI-driven credit models with an accent on payment scheduling, rewards platforms, and virtual card infrastructure. Focus on optimizing distributed systems, implementing complex state machine logic, and enhancing transaction scalability.

Location: Remote (Must be based in the US)

Salary: $184,000 – $239,000 + Equity

Company

hirify.global is an AI-powered fintech company creating a new credit system that uses real-time financial signals to expand access to fair credit.

What you will do

• Drive the technical strategy for Card Spend and Card Payments domains.
• Enhance AI-driven payment scheduling systems to accurately forecast customer paycheck timing.
• Scale the rewards platform and optimize virtual card infrastructure for instant spending.
• Build automated loss mitigation features leveraging proprietary risk models.
• Create sophisticated customer segmentation tools to support portfolio expansion.
• Act as a force multiplier by mentoring other engineers and elevating team capabilities.

Requirements

• 7+ years of experience developing web APIs within .NET (C#).
• Experience building resilient financial systems with state machine logic and complex lifecycles.
• Strong understanding of distributed systems, queue-based architectures, and data-intensive applications.
• Proven experience scaling consumer-facing products with significant transaction volumes.
• Ability to leverage AI-powered development tools (e.g., Cursor, Augment, Factory) to enhance productivity.
• Must be based in the United States.

Culture & Benefits

• Virtual-first teamwork across 14 countries with WFH office reimbursement.
• Competitive compensation packages and generous equity.
• Flexible health plans with substantial subsidies.
• Paid global onsites twice a year for team reconnection.
• Direct exposure to the leadership team and impact-based growth opportunities.