Senior Software Engineer

Clutch; Half Moon Bay (CA); Remote; USD 150,000 - 210,000; Part time

Benefits offered by this job

Remote work

Stock options

PTO 20 days

Home office budget

Work trips

Off-sites

Job summary

Clutch is seeking a Senior Backend Software Engineer to design, build, and maintain scalable DAO-driven systems for Credit Unions, delivering reliable features end-to-end. You will collaborate with Product and Design, work with external partners, and influence product evolution while enhancing communication and product thinking.

This remote-friendly role emphasizes architecture, quality code, and cross-team collaboration.

Qualifications

• 7+ years as a Software Engineer, with backend focus in SaaS/Fintech environments
• Proficiency in backend technologies, preferably TypeScript, Node.js, and NestJS
• Experience designing and building APIs and services in distributed systems; comfortable trading off speed, quality, and scalability
• Strong debugging and problem-solving skills; digs into root causes
• Familiarity with AI-assisted development workflows; using AI tools while keeping code quality high
• Ability to communicate technical decisions clearly to cross-functional partners (Product, Design, external stakeholders)
• Excellent English communication (written and verbal)
• Ability to work collaboratively in a remote-first environment

Responsibilities

• Be onboarded to your team and learn Clutch’s tools, processes, and culture
• Build relationships with teammates, leaders, and stakeholders
• Collaborate with developers to enhance the DAO platform
• Deliver your first feature to production within the DAO platform
• Understand CU-specific configurations and variation across clients
• Independently debug and troubleshoot issues within the DAO stack
• Own medium-to-large features from design through production
• Contribute to architectural discussions on scaling DAO configurations across CUs
• Identify and address technical debt and reliability gaps

Skills

TypeScript

Node.js

NestJS

API design

Debugging

Communication

Remote-friendly

English skills

Job description

About the Role

As a Senior Backend Software Engineer on the DAO team, you will design, build, and maintain scalable systems that deliver a first-class experience for both Credit Union members and staff, ultimately driving growth in newly opened accounts.

You'll own problems end-to-end: from understanding business requirements and making architectural tradeoffs, to shipping reliable solutions with minimal oversight. This is a product that's still being shaped, you'll have real influence over how it evolves.

This role offers a unique opportunity to work closely with our Product and Design teams, as well as collaborate with external partners, giving you the chance to strengthen skills beyond engineering, such as communication, product thinking, and negotiation.

About the Team

Credit Unions (CUs) strive to offer their members loans with competitive interest rates. To make this possible, the greater the members’ investment in the CUs, the more favorable the rates become. That’s why Digital Account Opening (DAO) plays such a critical role at Clutch, it enables customers to seamlessly open new accounts (e.g., Savings, Checking) and start investing their money, strengthening the overall financial ecosystem.

The team has skilled full stack engineers who collaborate closely to tackle challenging problems. We foster a supportive and hands-on environment where everyone contributes to designing and building secure, scalable solutions.

Our team thrives on collaboration, innovation, and a shared commitment to standardizing our solutions across all company products in a secure and efficient way.

What You’ll Do

Within 3 months, you will:

• Be fully onboarded to your new team, familiarizing yourself with Clutch’s tools, processes, and culture.

• Build strong relationships with your team members, leader, and cross-functional stakeholders.

• Work in collaboration with developers and other stakeholders to enhance our platform.

• Deliver your first feature to production within the DAO platform

• Understand how CU-specific configurations work and how the team handles variation across clients

• Be able to independently debug and troubleshoot issues within the DAO stack

Within 6 months, you will:

• Ensure high-quality code, and enabling the efficient delivery of features and improvements.

• Write elegant, efficient, and testable code that is easy to maintain and debug.

• Take care of configurations and processes documentation so stakeholders understand how to use the platform

• Own medium-to-large features from technical design through to production

• Contribute to architectural discussions on how to scale CU-specific flows and configurations

• Proactively identify and address technical debt or reliability gaps in your area

Within 9 months, you will:

• As a true teammate, continuously improve the team’s processes, brainstorm ideas, and communicate statuses, and progress

• Deliver a lot of new stuff to our products

• Start identifying opportunities to deliver faster, reliable solutions and make initial contributions to architectural improvements.

• Drive proposals for how to standardize and scale DAO configurations across CUs

• Be a go-to person for your area of the codebase, unblocking teammates and reviewing their work

• Contribute to cross-team discussions on platform-wide patterns and improvements

What You’ll Bring

• 7+ years as a Software Engineer, with meaningful backend experience in fast-paced environments (SaaS and/or Fintech preferred)

• Proficiency in backend technologies, preferably TypeScript, Node.js, and NestJS

• Experience designing and building APIs and services in distributed systems; comfort making tradeoffs between speed, quality, and scalability

• Strong debugging and problem-solving skills — you dig into root causes, not surface-level fixes

• Familiarity with AI-assisted development workflows; you use AI tools to amplify your output while maintaining full accountability for code quality

• Ability to communicate technical decisions clearly to cross-functional partners (Product, Design, external stakeholders)

• Excellent English communication (written and verbal)

• Ability to work collaboratively in a remote-first environment

Please note that this role may evolve as our business needs change, so we appreciate your flexibility and adaptability.

What’s In It For You?

• Remote Flexibility: Enjoy the freedom of remote work from anywhere, balancing life and career seamlessly.

• Unforgettable Off-Sites: Twice a year, bond with colleagues in exciting destinations, fostering teamwork and fresh ideas.

• Paid Time Off and National Holidays: Enjoy 20 PTO days yearly and the National Holidays for relaxation and rejuvenation.

• Stock Options: Joining us means having a stake in our success, so you'll receive stock options as part of your compensation package.

• Home Office Setup: Create your ideal workspace with a dedicated budget for home office essentials.

• Work Trip Budget: Grow personally and professionally with a budget for work-related trips and co-working.

About Us

Clutch is a revolutionary vertical SaaS company, proudly backed by Andreessen Horowitz (A16z), aimed at revolutionizing the way Credit Unions engage and change the lives of their members. As a champion of financial well-being, we address the urgent need for affordable lending solutions in an era where the average American grapples with over $155,000 in household debt. Unlike traditional financial institutions, Clutch develops software to turn Credit Unions into FinTech lenders and leverage their balance sheets to responsibly lend to over 130M Americans. Our mission extends beyond mere financial transactions; we strive to fundamentally enhance the way credit unions interact with their members. By integrating cutting-edge technologies and user-centric designs, we help credit unions provide seamless digital experiences that are on par with leading tech companies. This approach not only preserves but revitalizes the longstanding tradition of community and member-focused service inherent to credit unions.

Please note: This position is offered on a contractor basis. Applicants must have the necessary documentation and authorization to work in the country where the job is located. Clutch cannot provide sponsorship or assist with obtaining work permits for this role.

A Note About AI at Clutch
We love AI. We use it often and encourage our team to creatively and effectively leverage AI tools in their work. If you join Clutch, we hope you'll bring the same enthusiasm for exploring how AI can amplify impact, productivity, and innovation.

That said, during the interview process, we want to hear your thoughts. Please approach interviews without the use of AI tools—our goal is to get to know how you think, solve problems, and communicate. Once you're in the seat, bring on the prompts!