Senior Software Engineer, Processing

Quiet Capital; United States; Hybrid; USD 160,000 - 200,000; Full time

Benefits offered by this job

Unlimited PTO

Parental leave (12 weeks)

Sabbatical (4 weeks at 5 years)

Work From Anywhere (4 weeks/year)

3% cashback on card purchases with a N

Health, vision, dental insurance

401(k) match

Life Insurance

Job summary

Lithic is hiring a Senior Software Engineer, Processing to lead real-time interfaces between Lithic and external payment networks. You will own high-reliability, low-latency transaction processing across Mastercard, Visa, and Amex, including authorization, clearing, and settlement surfaces.

The role requires strong distributed systems skills and ownership mindset. The role emphasizes network peering, on-call duties, and collaboration with product and engineering managers.

Qualifications

• 8+ years of experience shipping code in fast-paced production environments.
• Advanced distributed systems instincts and design skills.
• Experience driving large cross-functional projects across engineering, product, and operations teams.
• Proven commitment to empathy and inclusion.
• Excellent communication skills.
• Growth mindset and continuous desire to learn and improve is a must.
• Interest in fintech and the payments space is preferred.

Responsibilities

• Ensure high reliability, low latency, and correctness for Lithic's transaction processing interfaces and related services.
• Develop new capabilities across authorization, clearing/settlement, disputes, and network integration surfaces.
• Ensure the team delivers reliable, secure, and scalable code with minimal tech debt.
• Evolve infrastructure supporting network peering with card network partners, ensuring connectivity and capacity meet reliability requirements.
• Own initiatives from planning to launch, keeping stakeholders informed and aligned.
• Participate in the team on-call rotation.
• Lead efforts to improve systems and processes within the team and across engineering.
• Help drive strategic planning in collaboration with the engineering manager and product manager.

Skills

Distributed systems design

Communication skills

Growth mindset

Empathy and inclusion

Tools

AWS

Java

Python

Kotlin

Job description

Lithic is the modern card issuing and processing platform empowering ambitious financial companies to build the future of payments.

Our infrastructure powers card programs for 100+ innovative clients, from fintechs reimagining credit and digital banking to platforms transforming disbursements and spend management. Companies like Mercury, Flex, and Novo rely on Lithic's developer-friendly APIs, direct network connections, and flawless reconciliation to launch and scale card programs in weeks, not years.

We're building a future where access to better financial products materially improves people's lives, free from the constraints of 30-year-old mainframes and legacy processors. We're proud to be backed by world-class investors who share that vision, including Bessemer Venture Partners, Index Ventures, Spark Capital, Stripes, and Mastercard, along with many others.

We're a team of 170+ across 26 states and 7 countries, headquartered in New York City.

Position: Senior Software Engineer, Processing

Location: Remote

We are hiring a Senior Software Engineer for our Processing team to lead Lithic’s next phase of growth.

The Processing team builds and maintains the real-time interfaces between Lithic and external payment networks. Every card authorization, clearing message, and settlement file flows through systems this team owns. The team manages both online and batch transaction flows across Mastercard, Visa, and Amex, along with transaction enrichment, disputes processing, and network compliance. The systems we maintain have strict latency and uptime requirements, because they sit on the critical path for every card transaction. The team also manages the physical network peering with card network partners, so infrastructure and networking expertise are important. The team primarily uses Java, Python, and Kotlin on AWS.

What You'll Do:

• Ensure high reliability, low latency, and correctness for Lithic's transaction processing interfaces and related services
• Develop new capabilities across authorization, clearing/settlement, disputes, and network integration surfaces
• Ensure that the team is delivering reliable, secure, and scalable code with minimal tech debt
• Evolve the infrastructure supporting physical network peering with card network partners, ensuring connectivity, failover, and capacity meet reliability requirements
• Own initiatives from planning to launch, keeping stakeholders informed and aligned along the way
• Participate in the team on-call rotation
• Lead efforts to improve systems and processes both within the team and across engineering
• Help drive strategic planning in collaboration with the engineering manager and product manager

What You Bring:

• 8+ years experience shipping code in fast paced production environments
• Advanced distributed system instincts and design skills
• Experience driving large cross-functional projects across engineering, product, and operations teams
• A proven commitment to empathy and inclusion
• Excellent communication skills
• Growth mindset and continuous desire to learn and improve is a must
• An interest in fintech and the payments space is preferred

The annual US salary range for this role is $160,000 - $200,000 plus equity. This salary range may be inclusive of several career levels at Lithic and will be narrowed during the interview process based on the candidate’s experience and qualifications.

This is a remote position. However, candidates must be located in the United States, Canada (Ontario or British Columbia), Netherlands, Poland, or Czech Republic. We do not offer visa sponsorship or assistance.

This is a hybrid position. Candidates must be located within a commutable distance to our NYC office in Soho. We do not offer visa sponsorship or assistance.

Benefits for Full-Time US Employees:

• Unlimited PTO
• 12-weeks fully paid parental leave
• 4-Week Fully Paid Sabbatical (earned at your 5-year anniversary)
• Work From Anywhere: work from anywhere in the world 4-weeks each year
• 3% cashback on card purchases with your complimentary Privacy.com employee account
• Health, vision, and dental insurance; HSA Contribution Match
• 401(k) match
• Voluntary Life Insurance and STD/LTD

NYC-based employees work from our SoHo office three days a week. Tuesdays and Thursdays are our core days, and you'll choose a third day that works for your schedule and team needs.

In-office employees receive:

• Commuter benefit
• Catered lunch every Tuesday and Thursday