Backend Engineer III

Stash; New York (NY); Hybrid; USD 140,000 - 160,000; Full time

Benefits offered by this job

Health care benefits

Flexible work policy

Home internet subsidy

Equipment stipend

Paid parental leave

Learning and development reimbursement

Flexible PTO

Job summary

Stash is seeking a backend engineer to help build and maintain our Core Banking System. You will design and optimize backend services using Go or Rails, focusing on asynchronous architectures and data integrity across our fintech stack.

You will collaborate with the Accounts Team in a hybrid NYC setup, contributing to scalable, secure banking infrastructure while leveraging AI-assisted development practices to accelerate delivery.

Qualifications

• Design, develop, and maintain backend services for Core Banking System.
• Architect robust asynchronous workflows to process banking transactions.
• Optimize and scale systems while ensuring high availability and security.
• Collaborate with cross-functional teams and deploy in cloud environments.

Responsibilities

• Design, develop, and maintain backend services for Core Banking System.
• Architect and implement asynchronous workflows to process banking transactions efficiently.
• Optimize and scale the system as we grow, ensuring reliability and security.
• Collaborate with operations and infrastructure teams to deliver seamless experiences.
• Continuously deploy and monitor services in a cloud-based environment.
• Debug, test, and document code to ensure high-quality software.

Skills

Go

Rails

Asynchronous Architecture

Backend Development

Job description

Want to help everyday Americans invest and build wealth? Financial inequality is increasing, and too many people are getting left behind. At Stash, we’re passionate about democratizing wealth creation through education, advice, and products that help customers achieve greater financial freedom. We also believe in working smarter—leveraging AI and emerging technologies to move faster, operate more efficiently, and focus our time on solving meaningful problems for our customers.

As a key member of the Accounts Team, you will play a pivotal role in managing and enhancing our Core Banking System. Our system is built using Go, with a robust asynchronous architecture, and CockroachDB as the primary database. We are looking for engineers who are eager to tackle challenges in fintech, build scalable backend services, and contribute to the next generation of banking infrastructure.

What You\'ll Do

• Design, develop, and maintain backend services for our Core Banking System, ensuring performance, reliability, and scalability.
• Architect and implement robust asynchronous workflows to process banking transactions efficiently.
• Optimize and scale our system as we continue to grow, ensuring high availability and security.
• Act as an "Agent Conductor" to architect, design, and rapidly implement services by leveraging AI coding assistants.
• Collaborate with cross-functional teams, including operations and infrastructure teams, to deliver seamless experiences.
• Continuously deploy and monitor services in a cloud-based environment.
• Debug, test, and document code to ensure high-quality software development.

What We\'re Looking For

• 3 - 5 years of professional experience in backend software development.
• Strong proficiency in Go or Rails (or deep experience in another backend language with a willingness to learn Go).
• Experience working with event-driven, asynchronous architectures.
• Data-driven decision maker, willing to take risks, fail fast, and iterate at the speed of AI generation.
• Proficiency in working with relational and distributed databases, preferably CockroachDB, PostgreSQL, or similar.
• Hands-on experience building highly scalable, fault-tolerant backend services.
• A strong understanding of testing best practices, debugging, and profiling.
• Familiarity with cloud platforms (AWS).
• Excellent problem-solving skills and a mindset for continuous improvement.

Gold Stars

• Knowledge of multi-region architectures.
• Familiarity with CI/CD pipelines, Terraform, and Datadog.
• Understanding of banking or fintech-related systems.

Our Commitment to Diversity, Equity, and Inclusion

We proudly celebrate the unique qualities that make you you, 365 days a year, and not just because it’s the right thing to do or good for business. We embed the principles and practices of diversity, equity, and inclusion (DEI) into all that we do to prioritize people, a Stash core value, and to ensure Stashers of all backgrounds and experiences can be their authentic selves.

We are also proud to be the first and only venture-backed fintech to join the CEO Action for Diversity & Inclusion,™ and as an Equal Opportunity Employer, Stash is committed to building an inclusive environment for people of all backgrounds.

If you require any reasonable accommodations to make your application process more accessible, please reach out to [e-mail].

Helping You Invest in Yourself

• Comprehensive total rewards package, comprising compensation (salary and equity) and health care benefits
• Complimentary subscription to Stash+ account
• Flexible work policy – We offer a flexible work environment that blends working from home with in-person collaboration at our NYC office to support productivity and team culture.
• Flexible PTO
• Annual learning and development reimbursement benefit
• Work-from-home equipment stipends; home internet subsidy
• Paid Parental Leave (offerings for birth giving and non-birth giving parents) Primary & Secondary
• Enhanced health and wellness benefits through One Medical, Gympass, and Maven Health

External Recognition for Stash

• Benzinga’s 2023 Best Brokerage for Beginners and Best Robo-Advisor Awards
• Qorus-Accenture’s 2023 Banking Innovation Awards
• USA Today and Statista’s 2023 Top 500 Best Financial Advisory Firms
• Comparably's Best Company Awards: Best Places to Work, Best Company Outlook, and Best Engineering Team for Diversity, Women, Culture, and more! (2023)
• Fintech Breakthrough Award: Best Personal Finance App (2023)
• BuiltIn’s Best Places to Work (2022, 2021, 2020, 2019)
• Forbes Fintech 50 (2021, 2020, 2019)
• Best Digital Bank, Finovate Awards (2020)
• Tearsheet Challenge Awards, Best Banking Card Product - Stock-Back® Card, 2020
• LendIt Fintech Innovator of the Year (2020, 2019)

Salary Range: $140,000 - $160,000

The base salary range represents the reasonably anticipated low and high end of the salary range for this position. Actual salaries will vary and will be based on various factors, such as the candidate’s qualifications, skills, experience and competencies, as well as internal equity and alignment with market data for companies of our size and industry.