Senior Full Stack Developer (PHP Laravel / React.js / Fintech Platform)

About Us
 

We are a U.S.-based fintech platform founded in 2021, focused on modernizing and digitizing the lending and payments ecosystem.
 

We operate a multi-lender lending platform and are expanding into payments and financial infrastructure. Our roadmap includes complex underwriting workflows, multi-party application flows, role-based systems, API-driven integrations, and money movement infrastructure.
 

We’re looking for a Senior Full Stack Developer who thrives in backend-heavy fintech systems and can build scalable, secure, API-driven architecture while supporting front-end development as needed.
 

If you enjoy solving real-world financial logic problems, integrating complex third-party systems, and building structured, high-impact platforms — this role is for you.
 

What You’ll Be Doing
 

Backend (Primary Focus)

• Designing and building scalable backend services using PHP (Laravel)
• Developing and maintaining RESTful APIs for internal and external integrations
• Implementing complex business logic related to:
  • Loan origination workflows
  • Offer presentation and decisioning logic
  • Funding and settlement flows
  • Payments and money movement
  • Role-based permissions and application assignment
• Integrating with third-party APIs including lenders, payment processors, and financial systems, with a strong emphasis on loan origination platforms, core banking systems, and complex partner integrations
• Contributing to and maintaining Node.js-based microservices where appropriate, particularly for specialized processing, integrations, or performance-heavy tasks
• Designing clean database architecture in MySQL
• Writing optimized queries and ensuring data integrity
• Implementing secure authentication & authorization (JWT, OAuth, role-based access)
• Handling asynchronous processes, webhooks, queues, and background jobs
• Writing unit and integration tests for backend services
• Refactoring legacy code for scalability and maintainability
• Participating in architectural discussions and technical planning
   

Frontend (Secondary Support)

• Supporting development in React.js
• Building and maintaining API-connected UI components
• Working with existing design systems and UI structure
• Ensuring proper state management and API consumption
• Debugging cross-stack issues (frontend ↔ backend)
   

System & Infrastructure Responsibilities

• Working within AWS infrastructure (EC2, RDS, S3, IAM, etc.)
• Understanding deployment workflows and environment separation (dev / staging / production)
• Collaborating with DevOps on CI/CD pipelines
• Ensuring performance, security, and monitoring standards are met
• Supporting system scalability and uptime
   

Fintech-Specific Responsibilities

• Building and maintaining systems that handle:
  • Sensitive PII (SSNs, EINs, banking data)
  • Loan calculations and APR logic
  • Funding disbursement and reconciliation
  • ACH/card payment processing logic
  • Status-driven workflows (multi-stage application lifecycle)
• Working with or building loan origination systems (LOS) and multi-lender workflows
• Implementing and optimizing underwriting logic, decisioning flows, and application state management
• Supporting document parsing, data extraction, and AI-assisted workflows within financial applications
• Designing systems that support dynamic application flows, conditional logic, and configurable lending programs
• Ensuring compliance-conscious development (data protection, auditability, traceability)
• Supporting webhook-driven external lender responses and state updates
   

What We Expect

• 5+ years of experience in backend or full stack development
• Strong experience with PHP (Laravel framework required)
• Experience with React.js
• Strong experience with MySQL database design and optimization
• Experience working within AWS environments
• Strong experience integrating external APIs (REST required), especially complex multi-party or financial integrations
• Experience working in fintech, lending, payments, or financial platforms (strongly preferred)
• Experience working with loan origination systems, underwriting workflows, or similar financial platforms
• Familiarity with AI-assisted workflows, document parsing, or structured data extraction systems is a strong plus
• Strong understanding of:
  • Secure coding practices
  • Authentication & authorization models
  • API-driven architecture
  • Webhooks & async processing
• Ability to debug complex cross-system issues
• Experience working in structured Jira-based sprint environments
• Clean, maintainable coding standards
   

Nice to Have

• Experience with financial calculations (APR, amortization schedules, payment schedules)
• Experience with queue systems (Redis, SQS, etc.)
• Experience with GraphQL
• Experience building role/permission matrices
• Experience working with high-volume transactional systems
• Experience improving legacy systems in production environments
   

What Success Looks Like in This Role

• You take ownership of backend features from specification to production
• You anticipate edge cases in financial logic
• You build integrations that are resilient and well-structured
• You reduce technical debt, not increase it
• You proactively identify architectural risks before they become issues
• You communicate clearly with Product, BA, and DevOps teams
   

What We Offer

• Fully remote work
• Transparent and competitive compensation
• High-impact role in a fast-growing fintech platform
• Direct involvement in architectural decisions
• A team that values ownership, precision, and execution
• 20 paid vacation/sick days per year
   

Working Hours

This role is aligned with U.S. Eastern Time to support live production systems and real-time platform operations.
Standard schedule: 12 PM – 8 PM EST (Monday–Friday)
Provides strong overlap with U.S.-based operations, product, and support workflows