Senior Software Engineer, Card Solutions (Backend-Focused, NodeJS/TypeScript)

REAP Limited; Hong Kong; On-site; HKD 900,000 - 1,300,000; Full time

Benefits offered by this job

Reap Card stipend

Use of AI tools at work

Culture of innovation, inclusion, and

Job summary

REAP Limited in Hong Kong seeks a Senior Software Engineer in Card Solutions to design and build backend services powering card transactions, fraud detection, and lifecycle management. You’ll work within the Card Engineering team on developer-friendly APIs and scalable architectures that support partners and clients globally.

You’ll collaborate across product, risk, compliance, and engineering, own components end-to-end, implement observable, well-tested code, and help shape engineering

Qualifications

• 6+ years of software engineering experience, fintech or platform focus.
• Backend systems built in typed languages like TypeScript, Java, or Go.
• Strong understanding of distributed systems and observability.
• Ability to collaborate cross-functionally and communicate tradeoffs.
• Comfortable in a fast-paced evolving product environment.

Responsibilities

• Design and build backend services for card transactions and fraud detection.
• Contribute to architecture decisions focused on performance and reliability.
• Collaborate with Product, Risk, Finance, and Compliance.
• Write clean, well-tested code in service-oriented architecture.
• Participate in code reviews and incident response.
• Evolve engineering practices as we scale.

Skills

6+ years of experience

Backend design

TypeScript

Node.js

Distributed systems

Cross-functional collaboration

Tools

NestJS

AWS

PostgreSQL

Job description

Senior Software Engineer, Card Solutions (Backend-Focused, NodeJS/TypeScript)

Our platform empowers businesses with borderless card issuing, seamless payments, and rich expense management tooling. At the core of our offering is the Reap Card—a modern, stablecoin-enabled Visa commercial card solution that unlocks flexible spend controls, global acceptance, and real-time reconciliation.

We also offer a flexible Card Issuing API and white-labelled infrastructure, enabling partners to embed card programs directly into their products. Whether through our dashboard or programmable APIs, Reap helps businesses scale with secure, compliant, and developer-friendly financial tools.

About the Role

As a Senior Software Engineer in the Card Engineering team, you’ll help build the foundation of Reap’s card platform—designing, developing, and operating services that power card transactions, fraud detection, card lifecycle management, and developer-facing APIs.

You’ll be a key contributor in a high-ownership, cross-functional environment, working closely with product managers, designers, compliance, and other engineers. From authoring transaction workflows to implementing scalable event-driven services, your work will shape the core infrastructure used by clients, partners, and developers globally.

This role is ideal for engineers who enjoy solving real-world financial problems at scale, care deeply about system correctness and resiliency, and thrive in fast-moving, collaborative teams.

What You’ll Do

• Design and build backend services for card transaction processing, fraud detection, and/or card program management
• Contribute to system architecture and technical decision-making with a focus on performance, fault tolerance, and maintainability
• Collaborate with cross-functional stakeholders (Product, Risk, Finance, Compliance) to deliver robust, compliant financial systems
• Write clean, observable, and well-tested code in a service-oriented architecture
• Participate in code reviews, incident response, and ongoing reliability improvements
• Help evolve our engineering practices, tools, and system designs as we scale

What We’re Looking For

• 6+ years of software engineering experience, ideally in fintech, infrastructure, or platform teams
• Experience building backend systems in a typed language (e.g., TypeScript, Java, Go, etc.)
• Solid grasp of distributed systems concepts: async processing, retries, observability, eventual consistency
• Strong judgment in balancing correctness, performance, and maintainability
• Ability to collaborate in cross-functional teams and communicate technical tradeoffs effectively
• Comfortable working in a fast-paced, evolving product environment

Nice to Have

• Experience in card networks, 3DS, PCI, tokenization, or chargeback systems
• Built systems involving compliance or regulatory constraints
• Familiarity with Reap’s stack: TypeScript, Node.js, NestJS, AWS
• Worked in high-growth startups or platforms with external APIs
• High-ownership, high-impact role at the frontier of stablecoin-powered finance
• Work directly with strategic partners and shape how Reap expands its financial ecosystem
• Operate with significant autonomy as Reap's technical owner of a key partnership
• Join a high-caliber team across engineering, product, and operations

Benefits & Perks

• Reap Card stipend
• Use of AI tools at work — and the space to learn, experiment, and grow with them
• A culture of innovation, inclusion, and continuous learning