Software Engineer, ONE
Credit Card
$140-190k
+ Stock options
All-in-one financial platform
Be an early applicant
All-in-one financial platform
1001+ employees
Be an early applicant
$140-190k
+ Stock options
1001+ employees
Company mission
To make money better in America.
Role
Who you are
- 3+ years of professional experience in backend or distributed systems development
- Experience building and operating production-grade APIs and microservices in a regulated or high-compliance environment (fintech, payments, banking, or similar)
- Proficiency in Node.js or similar modern backend frameworks (TypeScript, NestJS, Go, or Java)
- Familiarity with cloud-native architecture (Kubernetes, AWS) and event-driven or microservice-based systems
- Strong understanding of data security, PCI compliance, or similar standards protecting sensitive financial data
- Strong communication and collaboration skills across product, risk, and platform teams
- Drive and proactivity - everyone here is a builder and executor
- While you don't need experience with our exact stack, familiarity with modern software engineering practices will help you ramp up quickly
What the job involves
- As a Backend Engineer on the Credit Card team at OnePay, your work will directly shape the infrastructure behind our co-branded credit card product, holding the same bar for trust, security, and reliability as the rest of our financial ecosystem
- Design and build backend services that power our co-branded credit card product and its integrations with partner systems
- Architect APIs and event-driven systems that handle sensitive financial data securely at scale
- Partner with risk, compliance, and platform teams to ensure new features meet regulatory and security requirements
- Own reliability and performance for systems processing real-time credit transactions
- Drive technical decisions on system design, balancing scalability, security, and speed of delivery
- Mentor other engineers and raise the bar on code quality, testing, and operational practices across the team
- We use Node and TypeScript on the server, leveraging the NestJS framework within a microservice-oriented architecture running on Kubernetes and AWS. On the client side, we build and ship product features for iOS, Android, and web platforms using React Native. We also embrace AI-assisted development, so engineers have their choice of Claude Code or Cursor to fit their workflow
Application process
- Our process varies by role. Most candidates go through:
- AI-assisted initial screen
- Interview with Talent Partner
- Technical or Hiring Manager Interview
- Team Interview
- Executive Interview
- Offer!
Our take
Traditional banking hasn't worked for millions of Americans who are underserved or priced out of the system. High fees, minimum balance requirements, and tough credit checks create barriers that keep everyday people from building financial stability. Meanwhile, fintech startups are proving there's a huge demand for simpler, more accessible financial services. But most of these apps still focus on just one or two features, forcing users to juggle multiple platforms to manage their money.
OnePay is Walmart's all-in-one financial platform bringing everything together in a single app. Launched in 2021 through a partnership with Ribbit Capital, OnePay expanded after Walmart acquired fintechs Even and ONE in 2022. The platform now includes buy-now-pay-later and, through a new DriveWealth partnership, stock and ETF investing. On top of this, OnePay also serves employers with a B2B financial wellness suite to improve employee stability and engagement.
OnePay is already helping millions of consumers and has earned a 4.8-star app rating. More recently it announced crypto trading for Bitcoin and Ether, and partnerships with Workday Wellness and Klarna, further expanding its offerings. With this momentum, the platform is really positioning itself as a true one-stop financial hub.
Freddie
Company Specialist at Welcome to the Jungle
Insights
68% employee growth in 12 months
Company
Funding (last 2 of 3 rounds)
Aug 2021
$40m
SERIES B
Mar 2020
$17m
SERIES A
Total funding: $66m
Company benefits
- Competitive health benefits: Medical, dental, and vision plans, pluss wellness perks.
- Flexible time off: Rest, recharge, repeat.
- Paid employee leave: Sick, personal, caregiver, bereavement, ans parental.
- 401k plan: With employer match.
- Monthly work-from-home stipend: To cover those home office expenses.
- Remote-first culture: Work anywhere in the US.
Company HQ
Civic Center, New York, NY
Leadership
Omer Ismail
(CEO)Prior to becoming OnePay's CEO in 2021, Omer spent 17 years at Goldman Sachs as a Partner.
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