Staff Engineer/Tech Lead, Embedded Finance (Card Issuing & AI Adoption)

Reap; Philippines; On-site; PHP 1,800,000 - 2,500,000; Full time

Job summary

Reap, a global fintech company, is seeking an experienced Staff/Tech Lead to shape the embedded finance platform. You will drive architecture, scalability, and modernization while guiding AI-assisted development across multiple product teams.

Ideal candidates bring 8+ years in software engineering with leadership experience in distributed systems and API platforms, plus hands-on expertise in TypeScript, Node.js, NestJS and AWS.

Qualifications

• 8+ years of software engineering experience with technical leadership at Staff or Tech Lead level.
• Deep experience in distributed systems, API platform architecture, or financial infrastructure at scale.
• Demonstrated ability to drive large, complex technical initiatives across multiple teams without direct authority.

Responsibilities

• Define and drive the technical roadmap for the embedded finance platform: scalability improvements, architectural modernisation, and tech debt resolution.
• Lead the adoption of AI-assisted engineering across Product Engineering teams, including AI-augmented development workflows and agentic automation of repetitive processes.
• Collaborate with Card Engineering Managers to align platform direction with product delivery needs and provide hands-on technical guidance on complex problems.
• Identify systemic engineering quality issues and build the case and plan to address them.
• Serve as a technical anchor for senior engineers: conducting design reviews, setting standards, mentoring.

Skills

Distributed systems

API platform architecture

Leadership

AI/LLM tooling

TypeScript/Node.js/NestJS/AWS

Tools

Claude Code

GitHub Copilot

Cursor

OpenTelemetry

Job description

About Reap

Reap is a global financial technology company headquartered in Hong Kong with employees across multiple countries. We enable financial connectivity and access for businesses worldwide by combining traditional finance with stablecoins for efficient money movement.

About Reap

Reap is a global financial technology company headquartered in Hong Kong with employees across multiple countries. We enable financial connectivity and access for businesses worldwide by combining traditional finance with stablecoins for efficient money movement.

About The Role

Reap's embedded finance platform powers the card issuing and financial infrastructure that our clients and partners depend on. As Reap scales across new markets and use cases, the platform needs to evolve: from architecture and scalability, to technical debt, to how we build software with AI.

What You’ll Do

• Define and drive the technical roadmap for the embedded finance platform: scalability improvements, architectural modernisation, and tech debt resolution
• Lead the adoption of AI-assisted engineering across Reap's Product Engineering teams — from AI-augmented development workflows (e.g., Claude Code, LLM-assisted code review) to agentic automation of repetitive engineering processes
• Work closely with Card Engineering Managers to align platform direction with product delivery needs, and provide hands‑on technical guidance on complex problems
• Identify systemic engineering quality issues and build the case — and the plan — to address them
• Serve as a technical anchor for senior engineers across the Card domain: conducting design reviews, setting standards, and mentoring

Platform Architecture & Scalability

• Lead architecture review and modernisation of embedded finance systems — service boundaries, data models, API contracts, event flows
• Identify and resolve scalability bottlenecks before they become production constraints
• Define reusable patterns and standards that Card Engineering teams can build on
• Drive platform initiatives end-to-end: from RFC through to production delivery and stability

Tech Debt Management

• Conduct systematic audits of technical debt across the codebase
• Prioritise and sequence debt remediation alongside product delivery work
• Advocate for and lead refactors that have long‑term impact on engineering velocity and reliability

AI Enablement & Process Improvement

• Lead Reap's AI adoption strategy at the engineering team level — defining what "good" looks like for AI-assisted software development
• Build and maintain reusable AI tooling, prompt patterns, and SDLC workflows (e.g., CLAUDE.md standards, agentic code review, automated test generation)
• Identify engineering processes where AI can reduce toil and improve quality — and drive those improvements into practice
• Track and report on AI adoption signals across Product Engineering teams

Technical Leadership (IC)

• Work closely with Card EMs to shape platform roadmap priorities and resolve technical dependencies
• Conduct architecture and design reviews for high‑impact initiatives
• Set engineering standards for code quality, observability, testability, and reliability across the Card domain
• Mentor Staff and Senior engineers; elevate the technical bar across teams

What We’re Looking For

• 8+ years of software engineering experience, with a track record of technical leadership at Staff or Tech Lead level
• Deep experience in distributed systems, API platform architecture, or financial infrastructure at scale
• Demonstrated ability to drive large, complex technical initiatives across multiple teams without direct authority
• Strong systems thinking: able to reason about fault‑tolerance, observability, data consistency, and performance at scale
• Clear and compelling communicator — can write RFCs, lead design reviews, and present technical direction to engineering and executive audiences
• Genuine interest in AI/LLM tooling and its application to software engineering workflows
• Hands‑on experience with AI‑assisted development tools (e.g., Claude Code, GitHub Copilot, Cursor) and integrating them into engineering team workflows
• Our main stack is TypeScript, Node.js, NestJS, and AWS

Nice to Have

• Experience in fintech, card issuing, payments, or API platform infrastructure
• Experience defining and tracking engineering metrics (DORA, AI-augmented output, platform reliability)
• Familiarity with card Issuing/embedded finance product models and card network infrastructure (Visa, Mastercard, Thredd or equivalent)
• Experience leading technical uplift programs: reducing tech debt at scale, improving test coverage, migrating legacy systems
• Familiarity with observability tools (New Relic, Datadog, OpenTelemetry) and CI/CD automation

Your Adventure Benefits

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