Senior Backend Engineer, Core Financial Platform | Fintech Startup | New York (On-site)

REALM; New York (NY); On-site; USD 225,000 - 275,000; Full time

Benefits offered by this job

On-site in New York City

Meaningful Series A equity

Base salary $250,000

Job summary

REALM is a fast-growing fintech startup in the US accelerating employee savings and money movement. We are hiring a Senior Backend Engineer to own core financial platform components in a small, highly autonomous team.

You will build scalable systems for payroll contributions, trading, settlement, and recordkeeping, while leveraging a modern AI-native engineering workflow. On-site in New York City, equity included.

Qualifications

• 4+ years of professional backend engineering experience.
• Experience building backend platforms, distributed systems or APIs.
• Experience at a top technology company or a strong CS background.
• Deep expertise in at least one mainstream language (Kotlin, Python, Java, Go, Rust, TypeScript). Bonus: payments/fintech experience.

Responsibilities

• Build and scale payroll contributions processing systems.
• Own trading, settlement and reconciliation across assets.
• Develop in-house recordkeeping platform from scratch.
• Automate management of thousands of participant funds and reinvestment.

Skills

Backend engineering

Distributed systems

APIs

Programming languages

Tools

Kotlin

gRPC

PostgreSQL

AWS

Job description

We’re partnering with one of the fastest-growing fintech startups in the US. LinkedIn has just named them within the top 20 of its Top Startups 2026 list, alongside companies like Anthropic and Perplexity. They’re backed by leading venture firms and some of Wall Street’s best-known investors, and they’re gearing up for their Series B.

Their flagship product is a new financing model that lets employees invest significantly more than they contribute, so far more of their savings is working for them from day one.

They’re now hiring a Senior Backend Engineer to join the small core team that owns their entire financial platform.

What you’ll do

• Build and scale the systems that process payroll contributions and move money for hundreds of companies
• Own trading, settlement and reconciliation across stocks, bonds and ETFs
• Develop their in-house recordkeeping platform, built from scratch to replace legacy industry systems
• Automate the management of thousands of individually managed participant funds, including repayments, reinvestment and amortisation
• Work in a strongly AI-native engineering environment, using modern AI tooling to ship complex systems quickly and safely

This is a high-ownership role on a 6-person team doing work that would take hundreds of engineers at a traditional financial institution. The problems are complex and correctness matters, because it’s people’s money.

What they’re looking for

• 4+ years of professional backend engineering experience
• Experience building backend platforms, distributed systems or APIs
• Experience at a top technology company or a strong computer science background
• Deep expertise in at least one mainstream language (Python, Java, Kotlin, Go, Rust or TypeScript); their stack is Kotlin, gRPC, PostgreSQL and AWS, but they’re language agnostic
• Bonus: experience in payments, fintech, trading or money movement

The package

• $250,000 base
• Meaningful Series A equity
• On-site in New York City, five days a week