Senior Software Engineer, Backend Money Team

Flex; United States; Hybrid; USD 146,000 - 183,000; Full time

Benefits offered by this job

Competitive medical, dental, andvision

Company equity

401(k) with company match

Unlimited PTO and holidays

Parental leave

Job summary

Flex, a NYC-based FinTech, seeks a Senior Software Engineer to join the Money Team, building and scaling the financial infrastructure powering payments, billing, and money movement. You will lead technical direction across teams, ensuring secure, reliable, and scalable systems that impact revenue and customer experience.

You will partner with Product, Finance, Risk, Compliance, Data, and Engineering to deliver high-impact solutions, with hybrid work options across NY, SF, and Salt Lake City.

Qualifications

• 5+ years of software engineering experience with Java backend, Spring framework, Gradle, and JVM tuning.
• Experience integrating with payment processors, settlements, billing, and money movement systems.
• Strong fundamentals in distributed systems, data consistency, idempotency, and fault tolerance.

Responsibilities

• Design, build, and scale backend services and APIs powering core financial infrastructure.
• Lead end-to-end initiatives from requirements to rollout and operational excellence.
• Collaborate with Product, Finance, Risk, Compliance, Operations and other engineering teams to deliver scalable payment experiences.
• Build robust systems integrating with external payment processors, banking partners, and card networks.
• Design and implement resilient payment, ledger, settlement, and reconciliation workflows.
• Operate mission-critical financial services in production with uptime, security, and performance.
• Contribute to service-oriented architecture, event-driven systems, APIs, queues, and scalable platforms.

Skills

Java backend

Distributed systems

AWS

CI/CD

Observability

Communication

Tools

Docker

Kubernetes

MySQL

PostgreSQL

DynamoDB

GitHub Actions

Job description

Flex is a growth-stage, NYC headquartered FinTech company that is creating the best rent payment experience. It’s hard to believe that it’s 2026 and paying rent on time is expensive, inflexible, and difficult. We’re here to change that! Flex enables our users to pay rent throughout the month on a schedule that better fits their finances and budget. Our mission is to empower as many renters as possible with flexibility over their most significant recurring expense. After deliberately keeping a stealth profile as we built up unprecedented investor support and an enthusiastic user base, we are looking for motivated individuals to help us keep our mission growing. Will you be a part of the team?

About The Job

Flex is a growth-stage, NYC headquartered FinTech company that is creating the best rent payment experience. It’s hard to believe that it’s 2025 and paying rent on time is expensive, inflexible, and difficult. We’re here to change that! Flex enables our users to pay rent throughout the month on a schedule that better fits their finances and budget. Our mission is to empower as many renters as possible with flexibility over their most significant recurring expense. After deliberately keeping a stealth profile as we built up unprecedented investor support and an enthusiastic user base, we are looking for motivated individuals to help us keep our mission growing. Will you be a part of the team?

About The Role

We are seeking a Senior Software Engineer to join our Money Team, responsible for building and scaling the financial infrastructure that powers payments, billing, subscriptions, payouts, ledgers, and other money movement systems across the company.

As a Senior Engineer, you will provide technical leadership across multiple teams, drive the architecture of mission-critical financial platforms, and help ensure our systems are secure, reliable, compliant, and scalable. You will partner closely with Product, Finance, Risk, Compliance, Data, and Engineering teams to deliver high-impact solutions that directly affect revenue, customer experience, and business operations.

What You’ll Do

• Design, build, and scale backend services and APIs that power Flex's core financial infrastructure, including payments, money movement, billing, settlements, reconciliation, and ledger systems.
• Drive the delivery of highly impactful initiatives end-to-end, from requirements gathering and technical design through implementation, rollout, and operational excellence.
• Partner closely with Product, Finance, Risk, Compliance, Operations, and cross-functional engineering teams to deliver scalable and compliant payment experiences.
• Build robust systems that integrate with external payment processors, banking partners, card networks, and financial service providers.
• Design and implement resilient payment, ledger, settlement, and reconciliation workflows that ensure financial accuracy across the ecosystem.
• Operate mission-critical financial services in production with stringent uptime, security, compliance, and performance requirements.
• Contribute to the evolution of Flex's service-oriented architecture, event-driven systems, APIs, message queues, and scalable financial platforms.

Who You Are

• 5+ years of professional software engineering experience, with a focus on Java backend development(Spring core/web/boot, Gradle, JUnit, JVM tuning & performance).
• Strong computer science fundamentals and proven experience designing scalable, distributed systems.
• Experience integrating with payment processors, settlement, card networks, banking partners.
• Strong understanding of transactional systems, financial data consistency, idempotency, auditability, and fault tolerance in distributed environments.
• Skilled at working with both technical and non-technical stakeholders, aligning on scope and delivery.
• Ability to write high-quality, testable, maintainable, and secure code.
• Hands‑on experience with AWS (EKS, Aurora RDS, Elasticache, DynamoDB), containerization (Docker/Kubernetes), and relational + NoSQL databases (MySQL, PostgreSQL, DynamoDB).
• Proficient with CI/CD pipelines (GitHub Actions preferred), git, and build automation.
• Familiar with observability and monitoring tools (e.g., DataDog) for maintaining service availability.
• Excellent communicator, comfortable collaborating in globally distributed teams.

Compensation

Flex takes a market-based approach to pay, and compensation may vary depending on your primary work location. Work locations are categorized into one of three tiers based on a cost of labor index for that geographic area. The successful candidate’s starting pay will be commensurate with their experience, qualifications, and Flex’s internal leveling guidelines and benchmarks.

Tier 1 (NYC/Bay Area, Los Angeles, Seattle)

$172,000—$215,000 USD

Tier 2 (Austin, Washington D.C. Philadelphia, San Diego, Chicago, Atlanta)

$154,800—$193,500 USD

Tier 3 (Salt Lake City, all other USA cities)

$146,200—$182,750 USD

Life at Flex

We understand that it takes a diverse team of highly intelligent, curious, determined, empathetic, and self aware people to grow a successful company. Our HQ is located in New York City, but we have employees located throughout the US, Australia, Canada and South America. We are growing quickly, but deliberately, with a focus on building an inclusive culture. Our dynamic team has incredible perspectives to share, just as we know you do, and we take great pride in being an equal opportunity workplace.

Offices

Roles posted in New York, San Francisco, and Salt Lake City are hybrid positions with on-site expectations of 2-3 days per week in our local offices. For candidates outside of these areas, you may be eligible for our relocation assistance program.

Benefits

For full-time U.S. employees we offer:

• Competitive medical, dental, and vision
• Company equity
• 401(k) plan with company match
• Unlimited paid time off + 13 company paid holidays
• Parental leave
• Free Flex subscription

For full-time non-U.S. employees, we offer:

• Competitive compensation + company equity
• Unlimited PTO