Senior Backend Engineer

Chexy; Toronto; Hybrid; CAD 100,000 - 130,000; Full time

Job summary

A fintech company in Toronto is seeking a Senior Backend Engineer to build and scale its financial infrastructure. The role focuses on developing payment systems, financial APIs, and ledger systems while ensuring compliance and performance. Candidates should have extensive backend engineering experience, particularly in fintech, along with strong skills in NestJS and TypeScript. This position offers a hybrid work model, with 3 days in the office.

Benefits

Early equity opportunities

Inclusive work environment

Exposure to real users and high-stakes systems

Qualifications

• 4+ years of backend engineering experience, with 2+ years in fintech.
• Expert-level with NestJS/Node.js and TypeScript for building production APIs.
• Hands-on experience with ledger systems and financial data modeling.

Responsibilities

• Build and scale backend services using NestJS and TypeScript on Google Cloud Platform.
• Design and maintain robust ledger systems and financial data models.
• Integrate with financial APIs, payment processors, and banking systems while ensuring PCI compliance.

Skills

Backend engineering

Fintech experience

NestJS/Node.js

TypeScript

PostgreSQL

Payment processing

Tools

Google Cloud Platform

Terraform

Job description

Overview

Senior Backend Engineer @ Chexy

At 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 or bank account, while unlocking meaningful benefits like cashback, points, and credit-building tools. With $1B+ in annual payment volume and a fast-growing user base, we're building critical financial infrastructure that requires robust, scalable backend systems.

About the Role

We're looking for a Senior Backend Engineer with deep fintech experience to join our core engineering team. You'll be responsible for building and scaling the critical payment infrastructure, ledger systems, and financial APIs that power our platform. This is a backend-focused role where you'll work on high-stakes financial systems processing millions of dollars in transactions daily.

You'll work closely with our CTO and engineering team to architect reliable, compliant, and scalable financial systems that our users depend on for their most important payments.

Responsibilities

• Build and scale backend services using NestJS and TypeScript on Google Cloud Platform
• Design and maintain robust ledger systems and financial data models using Google Cloud SQL and PostgreSQL
• Architect and optimize payment processing pipelines handling large transaction volumes
• Integrate with financial APIs, payment processors, and banking systems while ensuring PCI compliance
• Build resilient microservices with PubSub for event-driven architecture
• Manage infrastructure as code using Terraform and GCP services
• Own critical financial systems end-to-end, from design to production monitoring
• Collaborate with product and compliance teams to ship secure, compliant financial features

Qualifications

• Has 4+ years of backend engineering experience, with 2+ years in fintech or payments
• Is expert-level with NestJS/Node.js and TypeScript for building production APIs
• Has hands-on experience with ledger systems, double-entry bookkeeping, or financial data modeling
• Has scaled backend systems handling high transaction volumes (millions of transactions/month)
• Is proficient with PostgreSQL, database optimization, and Google Cloud Platform
• Has experience with payment processing, financial APIs, and regulatory compliance (PCI, SOC 2, etc.)
• Brings strong ownership to critical systems and thrives in a high-stakes fintech environment
• Communicates clearly about complex technical and financial concepts

Required experience

• Fintech/payments industry experience with large-scale transaction processing
• Ledger systems or accounting system development
• Financial API integrations (payment processors, banks, card networks)
• Database design for financial systems and audit trails
• GCP services (Cloud SQL, PubSub, Cloud Run, etc.)

Nice-to-haves

• Experience with Terraform for infrastructure management
• PCI DSS compliance and security framework experience
• Real-time payment systems or instant settlement experience
• Previous experience at high-growth fintech companies
• Open banking or financial data aggregation experience

Why Join Chexy?

Build products with a real-world financial impact for thousands of Canadians

Join a tight-knit team where your voice is heard and your work is valued

Access early equity in a growing, high-upside fintech company

Learn fast with exposure to real users, high-stakes systems, and product ownership

We’re a proudly inclusive team and welcome engineers from all backgrounds

Hybrid in-office role – 3 days/week in our Toronto office

How We Hire

We keep our hiring process clear and human. You’ll go through a mix of conversational interviews and technical assessments designed to showcase your strengths. We care more about how you think and collaborate than memorized algorithms—and we make sure there’s space for your questions too.

Chexy is an equal opportunity employer. If you require any accommodations or support during the hiring process, let us know and we’ll do our best to help.