Senior Backend Engineer, Fintech

Your responsibilities will include:

• Design and build the core banking infrastructure, including account opening, balances, statements, and backend APIs.

• Build and maintain money movement capabilities across US payment rails, including ACH, wires, RTP, and FedNow.

• Own ledger integrity and transaction processing, including double-entry accounting, holds, idempotency, and daily reconciliation.

• Integrate Nitra Business Banking with existing products, including cards, BillPay, expense management, and accounting, ensuring transactions are accurately funded and reconciled.

• Build capabilities for incoming funds, including insurance payouts and patient payments, to give healthcare practices a consolidated view of their finances.

• Work directly with sponsor banks, payment processors, and other financial partners on integrations, certifications, and compliance requirements.

• Design reliable, auditable systems that handle payment exceptions, settlement timing, retries, and funds availability.

• Partner with product, design, and the Taipei engineering team to scope features, write technical design documents, and identify risks early.

• Make foundational architecture decisions, establish engineering best practices, and mentor engineers as the banking team grows.

You have:

• 5+ years of backend engineering experience, with strong Node.js/TypeScript skills or experience in a comparable backend language, and proficiency in PostgreSQL.

• 3+ years of experience building production fintech products across payments, cards, spend management, lending, banking, or financial software.

• A track record of designing and building financial systems, with hands-on ownership of architecture decisions involving money movement, ledgers, or transaction processing.

• Strong system design skills, particularly around financial correctness, idempotency, event ordering, retries, audit trails, reconciliation, and safe backfills.

• Experience integrating with third-party financial platforms, such as payment processors, card issuers, sponsor banks, or accounting systems.

• The ability to build new products from specification through production in an ambiguous environment, with clear technical documentation and proactive risk identification.

• Strong cross-functional communication skills and the ability to collaborate with distributed engineering teams, including scheduled evening overlap with our Taipei team.

Nice to have:

• Experience building accounts payable automation or BillPay products, including vendor payments, payment scheduling, and payment tracking.

• Hands-on experience with US payment rails, including ACH, NACHA formats, returns, same-day ACH, wires, RTP, or FedNow.

• Experience building expense management products, including card spend, receipts, spend controls, or reimbursements.

• Experience building banking or deposit products, particularly with sponsor banks or banking-as-a-service platforms.

• Experience with card issuing, payment processor integrations, or accounting synchronization.

• Familiarity with healthcare payments, including insurance remittances (ERA/835), lockbox, or patient payment collections.

• Mandarin proficiency.

• Experience building a product from zero to one in an early-stage company or regulated industry.

We offer:

• Equity - Everyone at Nitra is an owner. When the company wins, you win
• Competitive Salary - You’re the best of the best, and your salary will reflect your experience and reward your contributions to Nitra
• Health Care - Your health comes first. We offer comprehensive health, vision, and dental insurance options.
• Retirement Benefits - Your financial stability matters to us so we provide a generous employer 401K match
• Nitra maintains a hybrid work policy, with team members working from the office four days per week and Wednesdays designated as a work-from-home day.