back-end developer

Chexy Inc.; Toronto; On-site; CAD 29,000 - 81,000; Full time

Job summary

Chexy Inc. is seeking a Backend Engineer in Toronto to own and build payment systems within Chexy Engine.

You’ll work on inflows, outflows, ledgering, settlement, and direct integrations with card networks and banks, writing scalable, well-tested code in NestJS and TypeScript. You’ll design event-driven architectures using Google Cloud Pub/Sub, optimize PostgreSQL schemas with Prisma ORM, and implement caching with Redis.

Qualifications

• 2+ years of backend engineering experience in production systems.
• Strong experience with NestJS, Node.js, and TypeScript in production.
• Relational database design and optimization with PostgreSQL.
• Familiarity with ORMs (Prisma preferred) and API design.

Responsibilities

• Build and maintain payment processing systems in Chexy Engine.
• Design ledger systems with double-entry bookkeeping concepts.
• Develop integrations with payment networks and banking systems.
• Write well-tested production-grade code following scalable patterns.
• Collaborate with frontend, mobile, and infra teams to ship features.

Skills

NestJS

TypeScript

Node.js

Microservices

API design

PostgreSQL

Redis

Cloud Pub/Sub

Tools

Prisma ORM

Kafka

RabbitMQ

Google Cloud Run

Terraform

Swagger/OpenAPI

Job description

Backend Engineer

Chexy Inc.

Backend EngineerAt Chexy, we're reimagining how Canadians manage their largest expenses?like rent, tuition, and insurance?by transforming them into opportunities to build credit, earn rewards, and gain financial flexibility.We're the first platform in Canada that lets users pay nearly any bill using their credit card, while unlocking meaningful benefits like cashback, points, and credit-building tools. With $1B+ in annual payment volume and millions of transactions per month, we're building financial infrastructure that needs to be fast, reliable, and bulletproof.

About the RoleWe're looking for a Backend Engineer to own and build payment systems in Chexy Engine, our core backend repository. You'll work on the systems that move money?payment inflows, outflows, ledgering, settlement, and direct integrations with card networks and banking systems.This role is about building clean, scalable, production-grade financial infrastructure. Every line of code you write will process real money for real people, which means your work needs to be precise, well-tested, and built for scale. You'll design and implement the payment systems that can handle billions in annual transaction volume.

What You'll Be Doing

• Build and maintain payment processing systems handling inflows, outflows, and multi-rail settlement in Chexy Engine
• Design and implement ledger systems using double-entry bookkeeping principles to ensure financial accuracy and auditability
• Develop and optimize direct integrations with payment networks (Visa Direct, American Express) and banking systems (e-Transfer, PAD, Bill Pay, etc.)
• Write clean, well-tested, production-grade code in NestJS and TypeScript following scalable architecture patterns
• Design event-driven systems using Google Cloud Pub/Sub for reliable, asynchronous payment processing
• Build APIs consumed by our web and mobile applications, ensuring performance and reliability at scale
• Optimize database queries and schema design in PostgreSQL (Cloud SQL) using Prisma ORM
• Implement caching strategies with Redis to handle high transaction volumes efficiently
• Write comprehensive tests and participate in code reviews to maintain code quality standards
• Collaborate with frontend, mobile, and infrastructure teams to ship features end-to-end
• Participate in on-call rotations for production payment systems

Who We're Looking For

• 2+ years of backend engineering experience, with some exposure to production financial systems, payment processing, or high-volume transaction systems
• Strong experience with NestJS, Node.js, and TypeScript in production environments
• Deep understanding of relational databases (PostgreSQL preferred) including schema design, query optimization, and transactions
• Experience with ORMs (Prisma experience is a plus)
• Proven track record building and maintaining high-volume APIs and microservices
• Understanding of event-driven architecture and message queues (Google Cloud Pub/Sub, Kafka, RabbitMQ, or similar)
• Experience with financial systems concepts: ledgers, double-entry bookkeeping, reconciliation, idempotency, transaction integrity
• Strong grasp of Redis or similar caching technologies for performance optimization
• Experience with payment processing, banking integrations, or fintech products
• Ability to write clean, maintainable, well-tested code with strong attention to detail
• Strong communication skills and ability to collaborate across teams
• Self-directed with ownership mentality?you take pride in shipping reliable, production-grade systems

Bonus Points

• Direct experience with payment network integrations (Visa, Mastercard, Amex) or banking APIs
• Experience with Google Cloud Platform (Cloud Run, Cloud SQL, Pub/Sub)
• Familiarity with Terraform or infrastructure-as-code practices
• Experience building ledger systems or working with accounting principles
• Knowledge of Canadian payment systems (e-Transfer, PAD, Bill Pay)
• Experience with API documentation (Swagger/OpenAPI)
• Contributions to open-source projects in payments, fintech, or backend infrastructure

• Location Toronto , ON
• Work location On site
• Salary $ 21.00 to $ 59.00 HOUR hourly
• Terms of employment Permanent employment Full time
• Starts as soon as possible
• Source CareerBeacon #2787208

• Toronto, ON

Advertised until

2026-09-09