Backend AI Engineer – Fintech Platform (Equity)

raincards.xyz; New York (NY); On-site; USD 200,000 - 250,000; Full time

Benefits offered by this job

Unlimited time off

Flexible working

401(k) with company match

Equity plan

Health benefits

Job summary

Rain is building AI-powered backend systems at the intersection of fintech and stablecoins. As one of the first engineers on Rain’s new AI team in New York, you’ll shape scalable APIs, data pipelines, and agent-driven features for a payments platform trusted by enterprises.

You’ll collaborate across product and business units, ship quickly, and design reusable AI infrastructure while thriving in a fast-growing environment with strong equity, flexible work, and generous benefits.

Qualifications

• Experience with Node.js and other backend technologies.
• 1–3+ years building production systems that use LLMs, tool calling, structured outputs, prompt architecture, retrieval patterns.
• A builder mentality and willingness to experiment with side projects.
• Comfortable with ambiguity and able to ship despite loosely defined problems.
• 3–8+ years of experience; compensation based on experience.

Responsibilities

• Be a critical part of the technical and product roadmap.
• Build and scale the backend systems, APIs, and data pipelines that power Rain.
• Design and ship AI-powered features, agents, and automation into our core platform.
• Build shared AI infrastructure: composable tool interfaces, eval frameworks, and permission-aware data access.
• Rapidly ship new capabilities to our customers and internal teams.
• Work embedded with the business, understand the workflows you’re building for firsthand.

Skills

Node.js

LLMs

Tool calls

Structured outputs

Prompt architecture

Retrieval patterns

Job description

Rain is building AI-powered backend systems at the intersection of fintech and stablecoins. As one of the first engineers on Rain’s new AI team in New York, you’ll shape scalable APIs, data pipelines, and agent-driven features for a payments platform trusted by enterprises.

You’ll collaborate across product and business units, ship quickly, and design reusable AI infrastructure while thriving in a fast-growing environment with strong equity, flexible work, and generous benefits.