Backend Engineer, AI New York, NY • Full-time • $200-250K

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

Backend Engineer, AI

New York, NY Full-time $200-250K

About the Company

Rain is the global stablecoin payments platform for enterprises, neobanks, platforms, developers, and AI agents. Our technology allows partners to move, store, and use stablecoins instantly and compliantly through global payment cards, rewards, on/offramps, wallets, and cross-border rails. As both a Visa and Mastercard Principal Member, Rain issues cards that work at more than 175 million merchant locations in over 220 countries and territories. Built natively for stablecoins and trusted by more than 100 organizations worldwide, Rain delivers secure, scalable infrastructure that makes money move freely and instantly around the world.

You will have the opportunity to deliver massive impact at a hypergrowth company backed by some of the top investors in fintech, crypto, and SaaS. In January 2026, we closed a $250M Series C led by ICONIQ, valuing Rain at $1.95B, with Sapphire Ventures, Dragonfly, Bessemer Venture Partners, Galaxy Ventures, FirstMark, Lightspeed, Norwest, and Endeavor Catalyst also participating. If you’re curious, bold, and excited to help shape a borderless financial future, we’d love to talk.

Our Ethos

We believe in an open and flat structure. You will be able to grow into the role that most aligns with your goals. Our team members at all levels have the freedom to explore ideas and impact the roadmap and vision of our company.

About the Team

You’ll be one of the first engineers on Rain’s new AI team. We’re building from the ground up internal systems that make our operations smarter and customer-facing infrastructure at the intersection of AI agents, fintech, and stablecoins, including some of the first agentic payment systems in production. If you want to shape how AI gets built into a payments company, this is the role.

What You’ll Do

• 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

What We’re Looking For

• 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, someone who experiments with side projects
• Comfortable with ambiguity, you can take a loosely defined problem, make decisions, and ship
• This position is for folks with 3–8+ years of experience, compensation will be based on experience

Nice to Have

• Eval framework design, building systematic ways to measure AI quality
• Fintech experience (neobank or card issuing experience gets extra brownie points)
• Experience building internal tools or platform systems at a growth-stage company

Things that enable a fulfilling, healthy and happy experience at Rain:

Unlimited time off Unlimited vacation can be daunting, so we require Rainmakers to take 10 days minimum for themselves.

Flexible working We support a flexible workplace – work from home, come into an office, or both. We want everyone to work in an environment where they’re their most confident and productive selves. New Rainmakers receive a stipend to set up a comfortable home workspace.

Easy to access benefits For US Rainmakers, we cover 95% of your health, dental, and vision plan costs and 90% for your dependents, plus a 100% company-subsidized life insurance plan.

Retirement goals Plan for the future with confidence. We offer a 401(k) with a 4% company match.

Equity plan Every Rainmaker gets an equity option plan so we all benefit from our success.

Health and Wellness High performance begins from within. Rainmakers receive a monthly stipend to be used for eligible health and wellness spending like gym memberships/fitness classes, massages, acupuncture - whatever recharges you!

In-office meals Rainmakers working from the office enjoy lunch and dinner on us, covered with a DoorDash credit.

Team summits Summits play an important role at Rain. Time together helps us build relationships and a common destiny. Expect team and company offsites, both domestic and international.

© 2022-2026 Signify Holdings, Inc. “Rain”

Rain is a financial technology company. Rain and its affiliates are not banks, exchanges, or asset custodians. Rain does not provide FDIC insurance or hold deposits.

Payment products are provided in partnership with licensed institutions. Cards are issued through partners licensed in their respective jurisdictions.

Debit cards offered through Rain’s program are Visa® debit cards issued by Cross River Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Rain Products, Inc. is a technology company, not a bank, and serves as program manager.

Banking services are provided by SSB, Member FDIC. Funds deposited at SSB are eligible for FDIC insurance up to $250,000 per depositor, per insured bank, subject to applicable limitations and FDIC rules.

Rewards are issued as part of Rain’s rewards program. Raindrops are loyalty rewards and are not cash, cryptocurrency, or a deposit account. Redemption options and values may vary and are subject to change. Terms apply.

“Rain”, Rain logo mark and “Cover Everything” are registered trademarks of Signify Holdings, Inc.