Senior Software Engineer - Credit

Marqeta, Inc.; Toronto; Remote; CAD 112,000 - 140,000; Full time

Job summary

Join a leading finance tech company as a Senior Backend Software Engineer. You'll be part of a team that drives the development of scalable software solutions for credit engineering, while innovating on architecture and mentoring other engineers. Enjoy flexible working arrangements while contributing to impactful products.

Benefits

Multiple health insurance options

Flexible vacation time

Retirement savings program with company contribution

Equity in a publicly-traded company

Monthly stipend for remote work

Annual development dollars for training

Up to 20 weeks of Parental Leave

Qualifications

• 5+ years of industry experience in software development.
• Experience developing in Java, Kotlin, and SQL.
• Ability to develop clean, readable and error-free code.

Responsibilities

• Design and implement high-performance solutions for financial data.
• Develop software for efficient, high-quality releases.
• Debug production issues across services.

Skills

Java

Service-oriented architectures

Cloud computing

Kotlin

Relational Database / SQL

Java Spring Boot

Kubernetes

Docker

React

Job description

Marqeta is looking for talented Senior Backend Software Engineers to join our Credit Engineering team. As a Senior Software Engineer, you will develop scalable software that powers Marqeta's backend services. You will create and review engineering design documentation, continuously improve our systems, infrastructure, and processes, create features, review code, and collaborate with a diverse set of stakeholders across the company. As a Backend Engineer, you'll ship products that matter and play an important role in helping Marqeta scale as the leader in modern card issuing. You'll innovate on architecture, write impactful software and spend time mentoring other engineers.

We work Flexible First . This role can be performed remotely anywhere within Vancouver, Canada or Ontario, Canada. We’d love for you to join us!

Here is some more information about our current teams who have openings :

• Rewards Team : The Rewards team in Credit Engineering is responsible for accurate and timely accrual and redemption of credit rewards. This is a high performing team working on the highest initiative project within Credit. The new rewards platform will allow our customers to customize every aspect of accrual, conversion, and redemption to match their loyalty goals.
• Commercial Credit : The Commercial Credit team is responsible for maintaining the end user and customer experience for Managed by Marqeta programs. We maintain and develop solutions for customers that allow them to integrate into the Managed By Marqeta ecosystems seamlessly and quickly by providing a framework of SDKs, UX and backend services that make it easy for customers with little experience or those who want to offload implementation details about their credit implementation to Marqeta. We deal with commercial and consumer credit programs and interface directly with the customer.
• Account Management Team : The Account Management team in Credit Engineering is responsible for accurate recording of credit account transactions, account balances, statementing, and reporting. This is a high performing and collaborative team working on the core foundation of the credit platform. The system is expected to be highly accurate and scalable, with ongoing feature enhancement to provide a wider range of capabilities for credit issuers.

The Impact You’ll Have

• Design and implement high-performance solutions for large-scale, high-volume, and high-velocity financial data and complex compliance landscapes.
• Develop the software and infrastructure to achieve repeatable and efficient high-quality releases with automation, seeking opportunities to replace redundant tasks and enhance engineering focus on strategic challenges.
• Debug critical production issues across services and different stack levels.
• Apply a detail-oriented mindset to analyze data, detect patterns, and create well-organized documentation for non-technical audiences.
• Diagnose and resolve production issues across various services and system layers.
• Meticulously evaluate data, identify patterns, and communicate complex information clearly to non-technical stakeholders.

Who You Are

• You have 5+ years of industry experience in software development in Java, service-oriented architectures, and cloud computing (AWS preferred).
• Experience developing in Java, Kotlin and Relational Database / SQL.
• Experience with Java Spring Boot
• Experience with Kubernetes and / or Docker
• Experience with a front-end framework like React or Next.js and knowledge of CSS / HTML
• Knowledge of common design patterns in scalable distributed systems as well as core computer science concepts
• Ability to develop and deliver clean, readable and error-free code with thorough documentation and testing.
• Ability to understand existing designs and technology choices and make appropriate adjustments when necessary.
• Ability to communicate in a clear, concise, and respectful manner both verbally and in writing.
• Ability to share relevant information including if difficult task-level trade-offs that impact the product need to be made.
• The ability to demonstrate humility, empathy, and to take constructive feedback positively.
• A desire to grow in your career, learn, share ideas and help others grow and learn.
• The capacity to work productively on cross-functional teams and take a collaborative, team oriented approach.

Nice-To-Haves

• Experience with payments or the FinTech space
• Experience with big data analytics tools (i.e. - Snowflake) and stream processing architectures
• Contributions to technical blogs, a public Github repo, or to open source projects

Our (typical) process :

• Application submission
• Coding interview
• Virtual “Onsite” consisting of three 45-60 minute rounds
• Offer!

Compensation and Benefits

Marqeta is a Flex First company which allows you to choose your best working environment, whether that be from home or at a company office. To support Flex First, we calibrate pay to a competitive value according to working location.

When determining salaries, we consider several factors including, but not limited to, skills, prior experience, and work location. The new-hire base salary range for this position, reflected in CAD, is : 112,000 - 140,000 .

We also believe in recognizing the contributions of our people. That's why we award annual bonuses to eligible employees, rewarding both individual performance and the success of the entire company.

Along with monetary compensation, Marqeta offers

• Multiple health insurance options
• Flexible vacation time
• Retirement savings program with company contribution
• Equity in a publicly-traded company
• Monthly stipend to support our remote work model
• Annual “development dollars” to support our people growth and development
• Family-forming benefits and up to 20 weeks of Parental Leave

About Marqeta

Marqeta is on a mission to change the way money moves. We’re one of the earliest enablers of embedded finance, a market opportunity sized up in the trillions. Our card issuing platform provides unprecedented flexibility and control for companies to issue cards, authorize transactions, and manage payment operations in real time. Marqeta is powering the most well known brands in the new economy (Block, Cash App, Affirm, Instacart, Doordash, Uber, Walmart, etc). You don’t need to be a Payments expert to join the Marqeta Team, let us help you with that. This is the opportunity of a lifetime to work with innovators around the world and unlock equitable financial access for all.

Solve for the Customer : With a deep understanding of our customers' business and empathy for their needs, we deliver products and services that drive their success. Earning and keeping their trust guides everything we do.

Do What's Right : Knowing businesses and livelihoods depend on us, we pursue solutions that disrupt responsibly and deliver high-quality results that our customers count on. We own our work from start to finish.

Simplify and Innovate : We approach challenges with curiosity and take smart risks. Innovation comes from finding better, simpler ways to achieve extraordinary outcomes.

Win as a Team : We succeed together by embracing diverse perspectives and pushing each other to raise the bar. We lead with humility and set aside hierarchy to work as a team.

Make it Count : We drive forward with focus and agility. With a sense of urgency and purpose, we get the job done, and done right.

Equal Employment Opportunity, Accommodations and Privacy

Marqeta is proud to be an equal opportunity employer that gives consideration to all qualified applicants regardless of race, ancestry, national origin, color, Indigenous, citizenship, religion / creed, sex, sexual orientation, gender identity, gender expression marital status, family status, disability, veteran status, criminal histories consistent with legal requirements, or any other characteristic protected by applicable law.

Our dedication to diversity and inclusion extends beyond the categories above. Review Marqeta’s ESG Report to see that dedication in action. Fostering an environment where everyone feels valued and respected creates a stronger and more innovative team at Marqeta. We celebrate the unique contributions of each individual and empower all members of our organization. Join us in building a company where diversity thrives and everyone can be their authentic selves.

If you require reasonable accommodation for the application process and beyond (including due to a disability), please submit this form and we will be more than happy to assist you. Marqeta will make reasonable accommodations for candidates when needed in accordance with applicable law. The Applicant and Candidate Privacy Notice applies to the personal data that you directly provide to us or that we collect during the application and candidate recruitment process.

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Based on the teams listed, which one do you feel best aligns with what you're looking for?

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Rewards Team : The Rewards team in Credit Engineering is responsible for accurate and timely accrual and redemption of credit rewards. This is a high performing team working on the highest initiative project within Credit. The new rewards platform will allow our customers to customize every aspect of accrual, conversion, and redemption to match their loyalty goals.

Commercial Credit : The Commercial Credit team is responsible for maintaining the end user and customer experience for Managed by Marqeta programs. We maintain and develop solutions for customers that allow them to integrate into the Managed By Marqeta ecosystems seamlessly and quickly by providing a framework of SDKs, UX and backend services that make it easy for customers with little experience or those who want to offload implementation details about their credit implementation to Marqeta. We deal with commercial and consumer credit programs and interface directly with the customer.

Account Management Team : The Account Management team in Credit Engineering is responsible for accurate recording of credit account transactions, account balances, statementing, and reporting. This is a high performing and collaborative team working on the core foundation of the credit platform. The system is expected to be highly accurate and scalable, with ongoing feature enhancement to provide a wider range of capabilities for credit issuers.

Do you have 5+ years of experience as a backend engineer?

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