Staff / Senior Backend Engineer, AI

t0.ai; San Francisco (CA); On-site; USD 120,000 - 150,000; Full time

Benefits offered by this job

Medical, dental, and vision insurance

401(k) plan

Short- and long-term disability

Life insurance

Wellness benefits

20 paid vacation days

12 company holidays

Job summary

t0.ai is seeking a Staff / Senior Backend Engineer in San Francisco to design scalable services and resilient APIs. The role focuses on Python programming and GCP infrastructure, ensuring rapid development with reliability. Candidates should have a strong background in backend development, SQL/NoSQL databases, distributed systems, and security best practices. Join t0.ai to tackle meaningful challenges in financial technology and make an immediate impact on global finance operations.

Qualifications

• 5+ years backend experience with Python at scale.
• Deep knowledge of SQL/NoSQL database design.
• Experience with distributed systems, event-driven architectures, or microservices.
• Familiarity with GCP services (Pub/Sub, Cloud Run, Cloud SQL, BigQuery, KMS, etc.).
• Strong grasp of security and compliance best practices.
• Passion for building the backend that powers intelligent products.

Responsibilities

• Architect distributed systems on GCP for high-volume, high-sensitivity data.
• Build well-structured APIs and services in Python to power AI applications and frontends.
• Own schema and data modeling for long-term growth and flexibility.
• Create infrastructure that enables rapid iteration while ensuring reliability.
• Collaborate with AI engineers to build systems where data improves models and models improve products.

Skills

Backend experience with Python

SQL/NoSQL database design

Distributed systems

Event-driven architectures

Microservices

GCP services

Security best practices

Job description

Overview

T0 is your AI CFO from day zero. We automate the entire financial backend for founders—from bookkeeping and payroll to tax, forecasting, and investor reporting—so they can focus on building instead of managing financial busywork.

We7re not a research lab — we7re a launchpad. Our team is building an AI-powered finance engine and moving fast alongside real companies. Ideas go from whiteboard to production in weeks, not years, and engineers see the immediate impact of their work in the hands of customers.

Our mission is to rewire the broken infrastructure of global finance, and your work directly contributes to that transformation. At T0, you7ll solve real problems with immediate customer impact, operate with autonomy and ownership, and build foundational AI on top of infrastructure already supporting businesses at scale. If you want to move fast, tackle challenges that truly matter, and help redefine how financial operations work across the industry, this is where you build.

That7s how t0 believes a company7s finances should run, and that7s what we deliver to our customers.

What we do

t0 is the AI-native platform built to run a company7s complete finance function end-to-end. Bookkeeping, rev rec, AP/AR, FP&A: one system where every workflow connects, every entry has an auditable trail, and finance teams get back hours to focus on strategy and growth.

Why it matters

Finance today runs on manual processes, fragmented tools, and a stack stitched together with spreadsheets and email. It7s expensive, slow, and no one7s happy with it. t0 replaces all of it.

Why we7re different

t0 is built on Airwallex 27s infrastructure: global scale, real revenue, real longevity. No venture funding. No misaligned incentives. Just the right solution, built for the long term.

What its like here

We build in production, not in theory. Ideas go from whiteboard to customer hands in weeks, and the impact is immediate. Youll tackle real problems with real stakes, operate with autonomy and ownership, and build foundational AI on infrastructure already supporting businesses at scale.

About the Team

The T0 AI team designs intelligent, autonomous systems that eliminate financial operations for companies globally. We automate everything from bookkeeping and reconciliation to tax, payroll, forecasting, and document understanding—turning hours of work into seconds. The team blends deep research pedigree with proven industry experience. We operate with high standards, are tool-agnostic, and expect engineers to own problems end-to-end. We collaborate closely, push boundaries responsibly, and ship exceptional work quickly. Youll solve unprecedented technical challenges using unique, end-to-end financial datasets no one else in the industry has.

About the Role

As a Staff / Senior Backend Engineer, youll design the backbone of our intelligent finance systems — scalable services, resilient APIs, and thoughtful data models. Our backend is primarily Python on GCP, and your work will ensure we can move quickly while maintaining enterprise-grade reliability and security.

Responsibilities

• Architect distributed systems on GCP for high-volume, high-sensitivity data.
• Build well-structured APIs and services in Python to power AI applications and frontends.
• Own schema and data modeling for long-term growth and flexibility.
• Create infrastructure that enables rapid iteration while ensuring reliability.
• Collaborate with AI engineers to build systems where data improves models and models improve products.

Qualifications

• 5+ years backend experience with Python at scale.
• Deep knowledge of SQL/NoSQL database design.
• Experience with distributed systems, event-driven architectures, or microservices.
• Familiarity with GCP services (Pub/Sub, Cloud Run, Cloud SQL, BigQuery, KMS, etc.).
• Strong grasp of security and compliance best practices.
• Passion for building the backend that powers intelligent products.

Pay range and compensation package

T0 promotes fair compensation practices in accordance with applicable federal, state, and local law. The actual compensation offered will depend on a variety of factors including experience, skills, qualifications, location, internal equity, and market conditions. Certain roles may also be eligible for additional forms of compensation, including annual bonuses, commissions, or RSUs. US-based employees receive medical, dental, and vision insurance; a 401(k) plan; short- and long-term disability; life insurance; wellness benefits; 20 paid vacation days; and 12 company holidays.

Equal Opportunity Statement

t0.ai is proud to be an equal opportunity employer. We value diversity and anyone seeking employment at t0.ai is considered based on merit, qualifications, competence and talent. We don9t regard color, religion, race, national origin, sexual orientation, ancestry, citizenship, sex, marital or family status, disability, gender, or any other legally protected status when making our hiring decisions. If you have a disability or special need that requires accommodation, please let us know.