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JD IT Financial in Johnston, IA seeks a Staff Software Engineer to lead revolver credit and merchant experience platforms. You will drive end-to-end architecture for backend systems in Java and Node.js, and shape customer-facing apps using React and Next.js.
You will own cloud architecture on AWS, enforce security/compliance standards, and collaborate with risk, product, and design leaders to deliver scalable, reliable financial software.
As a Staff Software Engineer – Revolving Credit & Merchant Experience for JD IT Financial located in Johnston, IA , you will provide technical leadership across multiple teams and initiatives, with accountability for system design, engineering excellence, and long-term platform evolution. Additionally, you will:
Define and drive end-to-end technical architecture for revolving credit and merchant experience platforms, ensuring scalability, resilience, security, and regulatory compliance across backend, frontend, and cloud infrastructure
Lead design and evolution of core backend systems built with Java and Node.js, supporting complex financial workflows including credit origination, underwriting, merchant onboarding, payments, pricing, and servicing lifecycle management
Establish architectural direction for customer-facing applications using React and Next.js, ensuring high performance, accessibility, consistency, and seamless user experiences across merchant and credit journeys
Drive early technical discovery and decision-making, evaluating architectural options, identifying risks, aligning trade-offs, and providing clear technical direction to enable predictable delivery by engineering teams
Own cloud architecture and operational strategy on AWS, defining reference architectures and best practices leveraging services such as ECS/EKS, Lambda, API Gateway, DynamoDB, RDS, SQS/SNS, with a strong focus on reliability, security, observability, and cost optimization
Partner closely with Product, Design, Risk, Compliance, and Business leaders to translate complex business and regulatory requirements into cohesive, scalable technical solutions that balance innovation, speed, and risk
Define and enforce security and compliance standards, ensuring secure handling of financial data through strong authentication and authorization models, encryption strategies, PCI compliance, auditability, and defense-in-depth practices
Drive platform consistency and reuse by defining shared services, common libraries, API standards, UI frameworks, and architectural patterns across merchant and credit ecosystems
Set expectations for production readiness and operational excellence, including service-level objectives, monitoring and alerting standards, incident response practices, disaster recovery strategies, and continuous resilience improvements
Act as a technical multiplier, mentoring senior engineers, influencing cross-team design decisions, leading design and architecture reviews, and raising the overall technical bar of the organization
VISA Sponsorship is NOT available for this position
What Makes You Standout
Strong background in FinTech, particularly Revolving Credit, Merchant POS, Payments, or Lending Platforms
Experience applying AI-assisted development tools, including Copilot, LLMs, and emerging AI-driven engineering workflows
Deep familiarity with observability platforms such as New Relic, including metrics strategy, distributed tracing, and proactive monitoring
Education
Bachelor’s degree in Computer Science, Engineering, or a related discipline, or equivalent professional experience