Full Stack Engineer

Klutch; United States; Remote; USD 70,000 - 900,000; Full time

Job summary

Klutch is seeking a Full Stack Engineer who will help build and scale the infrastructure of their innovative credit card platform. This role involves working on consumer-facing apps and backend tools, focusing on clean code and collaborative design with product teams. The candidate should have strong experience in Kotlin and React, as well as a passion for creating user-centric financial solutions.

Benefits

100% remote, flexible work culture

Opportunity for career growth

Qualifications

• 3–7 years of experience working on modern full stack applications.
• Fluent in Kotlin (or Java) and React (or other modern JS frameworks).
• Experience with relational databases like MySQL or Postgres.

Responsibilities

• Design and implement features across the stack: from dynamic React-based dashboards to scalable Kotlin backend services.
• Build, maintain, and improve mini-apps that power automated budgeting and other financial use cases.
• Collaborate with data teams to deliver natural language insights and automation.

Skills

React

Kotlin

Java

AWS

Job description

Direct message the job poster from Klutch

Klutch is reimagining credit—starting with the card. We’ve built a credit card platform from the ground up with flexibility, transparency, and customer empowerment at its core. From spending controls and custom automation rules to mini-apps that let users manage subscriptions, offset carbon emissions, or even automate reimbursements to their HSA accounts, Klutch offers a level of control over money that simply doesn’t exist anywhere else.

We believe that better tools lead to better decisions. That’s why we give our users visibility into ISO 8583 transaction metadata—including MCCs, merchant phone numbers, tokenization status, and more. And with Klutch’s AI Insights, customers can ask natural-language questions about their spending and get smart, actionable answers instantly.

Our mission is to build financial products that work for people—not against them.

We’re backed by top-tier investors, led by a seasoned team, and are growing fast.

The Role

We’re looking for a Full Stack Engineer to join our small but mighty engineering team. You’ll be responsible for building and scaling the systems behind our consumer-facing web and mobile apps, internal tools, and backend infrastructure.

This isn’t just a code-monkey role. You’ll help shape the product, drive architectural decisions, and work cross-functionally with design, product, and operations to build the future of consumer credit.

What You’ll Do

• Design and implement features across the stack: from dynamic React-based dashboards to scalable Kotlin backend services
• Build, maintain, and improve mini-apps that power use cases like automated budgeting, virtual card controls, and smart auto-pay
• Work on APIs that power mobile and web clients, with a focus on speed, security, and clarity
• Collaborate with data and AI teams to deliver natural language insights and automation
• Integrate deeply with payment processors and financial data providers using protocols like ISO 8583, NACHA, and OFX
• Enhance our infrastructure (AWS, ECS, RDS, S3, CloudWatch) to be scalable, secure, and developer-friendly
• Contribute to a culture of clean code, rigorous testing, and thoughtful documentation

You Might Be a Fit If You

• Have 3–7 years of experience working on modern full stack applications
• Are fluent in Kotlin (or Java) and React (or other modern JS frameworks)
• Have experience with relational databases like MySQL or Postgres—and ideally JSON field querying and indexing
• Are comfortable working in AWS environments and have experience with CI/CD, ECS, and serverless architectures
• Take ownership of what you build and care deeply about end users
• Value transparency, trust, and building with long-term outcomes in mind
• Want to work on something that matters—something people use and talk about

Bonus Points

• Experience with fintech, card issuing, or ISO 8583 parsing
• Worked on apps that integrate AI or natural language interfaces
• Familiarity with security best practices in financial systems
• Contributions to open source or developer tools

Why Klutch?

• We're transforming credit for the better, not just putting a new skin on old rails
• You’ll work with a product that people actually use and talk about
• 100% remote, flexible work culture
• Join early and grow with us—we're building fast and thinking big

Seniority level

• Seniority level

  Mid-Senior level

Employment type

• Employment type

  Full-time

Job function

• Job function

  Engineering and Information Technology

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