Senior Software Engineer

VetraFi, Inc.

New York (NY)

Remote

USD 160,000 - 210,000

Full time

14 days+

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Benefits offered by this job

Competitive salary

Equity options

Comprehensive benefits

Job summary

A leading FinTech company is seeking a Senior Software Engineer to own and lead the development of core banking products and Personal Finance Management features. This remote position is aimed at building user-friendly financial tools for military service members and involves significant technical decision-making, ensuring compliance and scalability. The role supports product launch with a competitive salary ranging from $160,000 to $210,000 and equity options.

Qualifications

6+ years of software engineering experience.
Strong skills in modern frameworks like React/React Native or Node.js.
Proven ability to work autonomously.
Experience building secure, compliant systems ideally in fintech.

Responsibilities

Lead development of core banking features.
Design and implement Personal Finance Management capabilities.
Make architectural decisions for scalability and security.
Drive towards product launch with ownership over technical milestones.

Skills

Full-stack development

API design

Microservices architecture

Database design

Experience in fintech

Tools

PostgreSQL

MongoDB

Redis

Job description

We are a seed‑stage FinTech company building the premier financial tools and banking product for military service members. With product launch targeted for 2026, this is a pivotal moment to join our founding technical team and shape the future of military‑focused banking.

The Role

We’re seeking a Senior Software Engineer to own and drive product development for our core banking products and Personal Finance Management (PFM) features. This is a high‑impact role where you’ll translate product vision into production‑ready code, establish technical patterns, and help scale our engineering practices from pre‑launch through initial customer adoption.

What You’ll Own

Core Banking Development: Lead development of critical banking features including account management, transaction processing, and payment rails integration
PFM Feature Finalization: Design and implement Personal Finance Management capabilities including budgeting, insights, financial goal tracking, and spending analytics
Technical Architecture: Make key architectural decisions for scalability, security, and regulatory compliance (SOC 2, banking regulations)
Cross‑functional Collaboration: Partner closely with our UI/UX designer to deliver exceptional user experiences and work with the founding team on product strategy
Code Quality & Best Practices: Establish engineering standards, testing frameworks, and CI/CD pipelines that will scale with the team
Pre‑launch Execution: Drive toward product launch with ownership over technical milestones, risk mitigation, and delivery timelines

What We’re Looking For

Required Experience

6+ years of software engineering experience
Strong full‑stack development skills with production experience in modern frameworks (React/React Native, Node.js, or similar)
Deep understanding of API design, microservices architecture, and database design (SQL and NoSQL)
Experience building secure, compliant systems – ideally in fintech, payments, or other regulated industries
Track record of taking products from concept to production, preferably at early‑stage companies
Proven ability to work autonomously, prioritize effectively, and deliver with limited resources

Highly Valued

Prior fintech, banking, or payments experience
Experience with Plaid, Stripe, or similar fintech APIs
Knowledge of banking regulations, PCI DSS, SOC 2, or similar compliance frameworks
Background in startups, particularly pre‑launch or 0‑to‑1 product development
Contributions to open‑source projects or technical writing

Technical Skills

Languages: Proficiency in modern backend and frontend languages
Databases: PostgreSQL, MongoDB, Redis, or similar
Testing: Unit, integration, and end‑to‑end testing frameworks

What Success Looks Like

First 30 days: Deeply understand our technical stack, product roadmap, and banking domain requirements. Ship first meaningful contribution.
First 90 days: Lead development on core features. Establish technical patterns and documentation that the team adopts.
First 6 months: Successfully launch core banking and PFM products to initial customers. Demonstrate technical leadership and become a trusted partner to founders.

Why Join Us

Ownership: This isn’t a cog‑in‑the‑machine role. You’ll have genuine ownership over products that thousands will use daily.
Impact: Join pre‑launch and shape technical decisions that will define the company for years.
Growth: As we scale, grow into engineering leadership (Staff Engineer, Engineering Manager, or VP of Engineering).
Compensation: Competitive salary + meaningful equity stake, comprehensive benefits.
Team: Work alongside passionate, talented teammates in a collaborative, low‑ego environment. Many of our core team are military veterans passionate about solving the financial problems that the military community faces.

Team & Culture

You’ll join an engineering team of two exceptional engineers and one UI/UX designer, working closely with the business team. We value:

Shipping over perfection: Bias toward action while maintaining high standards
Transparency: Open communication about challenges, trade‑offs, and decisions
Ownership mindset: Taking responsibility for outcomes, not just outputs
Continuous learning: Growing through feedback, iteration, and experimentation

Location & Work Arrangement

Remote (US‑based)

Base Salary: $160,000 – $210,000 (depending on experience)
Equity: .25% – 1%

We are an equal opportunity employer and value diversity. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.