Senior Backend Engineer – Fintech Banking, Equity

Pantera Capital; United States; Hybrid; USD 175,000 - 240,000; Full time

Benefits offered by this job

Equity

Health insurance

401K match

Hybrid work policy

Job summary

Nitra is building a backend-first banking platform for healthcare practices, handling corporate cards, BillPay, and accounting. You will design and implement core banking infrastructure, including accounts, ledgers, and payments, while integrating with partners and ensuring robust financial processing.

You will work with sponsor banks and a Taipei team, owning architecture decisions and engineering standards to scale the banking products. This role is hybrid with office days and a WFH day.

Qualifications

• 5+ years of backend engineering experience with Node.js/TypeScript and PostgreSQL.
• 3+ years of experience building production fintech products across payments, cards, spend management, lending, banking, or financial software.
• Track record of designing and building financial systems with ownership of money movement, ledgers, or transaction processing.
• Strong system design skills focusing on financial correctness, idempotency, event ordering, retries, audits, reconciliation, and safe backfills.
• Experience integrating with third-party financial platforms such as payment processors, card issuers, sponsor banks, or accounting systems.
• Ability to build new products from specification through production in an ambiguous environment with clear technical documentation and risk identification.
• Strong cross-functional communication and collaboration with distributed teams, including Taipei.

Responsibilities

• Design and build core banking infrastructure: accounts, balances, statements, and APIs.
• Build and maintain money movement across US rails (ACH, wires, RTP, FedNow).
• Own ledger integrity and transaction processing, including double-entry accounting, holds, idempotency, and daily reconciliation.
• Integrate Nitra Business Banking with cards, BillPay, expense management, and accounting; ensure proper funding and reconciliation.
• Develop capabilities for incoming funds (insurance payouts, patient payments) for consolidated financial views.
• Collaborate with sponsor banks, payment processors, and other partners on integrations and compliance.
• Design reliable, auditable systems handling payment exceptions, settlement timing, retries, and funds availability.
• Partner with product, design, and Taipei team to scope features, write designs, and identify risks.
• Make foundational architecture decisions and mentor engineers as banking team grows.

Skills

Node.js/TypeScript

PostgreSQL

Backend engineering

Financial systems design

Job description

Nitra is building a backend-first banking platform for healthcare practices, handling corporate cards, BillPay, and accounting. You will design and implement core banking infrastructure, including accounts, ledgers, and payments, while integrating with partners and ensuring robust financial processing.

You will work with sponsor banks and a Taipei team, owning architecture decisions and engineering standards to scale the banking products. This role is hybrid with office days and a WFH day.