Sr Software Engineer

Recargapay; United States; Remote; USD 140,000 - 190,000; Full time

Benefits offered by this job

Remote work

Home office allowance

Health and dental plans

Life insurance

Flexible meal allowance

TotalPass membership

Job summary

RecargaPay is building the financial super-app for Latin America, and the Lending squad seeks a Senior Software Engineer to own backend systems powering credit products. You will handle risk decisioning and the loan lifecycle with emphasis on correctness, resilience, and security.

This is a high-ownership role with impact on millions of customers. The role focuses on designing backend services for origination to repayment, shaping risk-aware architectures, and collaborating across product, data,

Qualifications

• Strong backend engineering fundamentals with hands-on experience in Java and Spring.
• Solid AWS experience designing and operating distributed services in the cloud.
• Clear, direct communication to explain technical positions to diverse stakeholders.
• Experience building reliable and secure systems in financial services or regulated domains is a plus.

Responsibilities

• Design and build backend services that support the full credit journey — origination, analysis, disbursement, and repayment.
• Contribute to risk-aware system design and build controls to protect customers and business.
• Write production-grade Java/Spring services on AWS with emphasis on observability, fault tolerance, and security.
• Collaborate with product, data, and risk teams to translate business requirements into reliable software.
• Mentor peers through code reviews and technical discussions.

Skills

Java

Spring

AWS

Backend development

System design

Tools

AWS

Job description

About the Role
RecargaPay is building the financial super-app for Latin America, and Lending is one of our fastest-growing verticals. As a Senior Software Engineer on the Lending squad, you'll own the backend systems that power our credit products — from risk decisioning to the loan lifecycle experience inside the app. This is a high-ownership role. You'll work on systems where correctness, resilience, and security are non-negotiable, and where the quality of your thinking has a direct impact on financial outcomes for millions of customers.

• Design and build backend services that support the full credit journey — origination, analysis, disbursement, and repayment — with a focus on customer experience.
• Contribute to risk-aware system design: model edge cases, reason about failure modes, and build controls that protect customers and the business.
• Write production-grade Java/Spring services on AWS, with a strong emphasis on observability, fault tolerance, and security. Participate actively in technical decisions — architecture reviews, RFCs, incident retrospectives — and influence how the team solves hard problems.
• Collaborate closely with product, data, and risk teams to translate complex business requirements into reliable, maintainable software.
• Mentor peers through code reviews and technical discussions, raising the bar without gatekeeping.

What We're Looking For

• Strong backend engineering fundamentals with hands-on experience in Java and Spring (Boot, MVC, Security, Data).

• Solid AWS experience — you've designed and operated distributed services in the cloud, not just deployed to it. A structured approach to problem analysis: you don't just solve the ticket — you understand the system, the tradeoff, and the downstream risk.
• Comfort operating autonomously: you drive tasks to completion, surface blockers early, and don't need someone to define the next step for you.
• Clear, direct communication — you can explain a technical position to an engineer, a product manager, or a risk analyst without losing the substance.
• Experience building systems where reliability and security are first-class concerns (financial services, payments, or regulated domains is a plus).

Nice to Have

• Experience in credit, lending, or financial products. Familiarity with event-driven architectures (Kafka or similar).
• Knowledge of fraud prevention, risk scoring, or compliance patterns.
• Experience with CI/CD pipelines and infrastructure-as-code.

• Competitive and market-aligned salary.
• Remote work — wherever you are, you’re part of the team!
• Home office allowance through a monthly deposit in the RecargaPay app.
• Health and dental plans with no co-pay.
• Life insurance.
• Flexible meal allowance (via Flash).
• TotalPass membership to take care of your health.
  

Diversity & Inclusion at RecargaPay

At RecargaPay, you’ll have the freedom to be who you are because we believe that diverse perspectives and experiences make us more creative and stronger. Here, everyone is welcome to express themselves authentically. We value the richness of each journey and the multiple ways of seeing the world, without distinctions of gender, race, sexual orientation, age, religion, or any other characteristic that makes us unique.

About the Use of Your Data

By sharing your resume with us, you authorize the use of your data for analysis during the selection process and possibly for other opportunities within the RecargaPay group. You can request the update or deletion of your information at any time, in accordance with LGPD (General Data Protection Law).