Senior Backend Engineer - Fintech

Your responsibilities will include:

• Design and build the core banking infrastructure, including account opening, balances, statements, and backend APIs.

• Build and maintain money movement capabilities across US payment rails, including ACH, wires, RTP, and FedNow.

• Own ledger integrity and transaction processing, including double-entry accounting, holds, idempotency, and daily reconciliation.

• Integrate Nitra Business Banking with existing products, including cards, BillPay, expense management, and accounting, ensuring transactions are accurately funded and reconciled.

• Build capabilities for incoming funds, including insurance payouts and patient payments, to give healthcare practices a consolidated view of their finances.

• Work directly with sponsor banks, payment processors, and other financial partners on integrations, certifications, and compliance requirements.

• Design reliable, auditable systems that handle payment exceptions, settlement timing, retries, and funds availability.

• Partner with product, design, and the Taipei engineering team to scope features, write technical design documents, and identify risks early.

• Make foundational architecture decisions, establish engineering best practices, and mentor engineers as the banking team grows.

You have:

• 5+ years of backend engineering experience, with strong Node.js/TypeScript skills or experience in a comparable backend language, and proficiency in PostgreSQL.

• 3+ years of experience building production fintech products across payments, cards, spend management, lending, banking, or financial software.

• A track record of designing and building financial systems, with hands-on ownership of architecture decisions involving money movement, ledgers, or transaction processing.

• Strong system design skills, particularly around financial correctness, idempotency, event ordering, retries, audit trails, reconciliation, and safe backfills.

• Experience integrating with third-party financial platforms, such as payment processors, card issuers, sponsor banks, or accounting systems.

• The ability to build new products from specification through production in an ambiguous environment, with clear technical documentation and proactive risk identification.

• Strong cross-functional communication skills and the ability to collaborate with distributed engineering teams, including scheduled evening overlap with our Taipei team.

Nice to have:

Experience building accounts payable automation or BillPay products, including vendor payments, payment scheduling, and payment tracking.

Hands-on experience with US payment rails, including ACH, NACHA formats, returns, same-day ACH, wires, RTP, or FedNow.

Experience building expense management products, including card spend, receipts, spend controls, or reimbursements.

Experience building banking or deposit products, particularly with sponsor banks or banking-as-a-service platforms.

Experience with card issuing, payment processor integrations, or accounting synchronization.

Familiarity with healthcare payments, including insurance remittances (ERA/835), lockbox, or patient payment collections.

Mandarin proficiency.

Experience building a product from zero to one in an early-stage company or regulated industry.

We offer:

• Equity - Everyone at Nitra is an owner. When the company wins, you win
• Competitive Salary - You’re the best of the best, and your salary will reflect your experience and reward your contributions to Nitra
• Health Care - Your health comes first. We offer comprehensive health, vision, and dental insurance options.
• Retirement Benefits - Your financial stability matters to us so we provide a generous employer 401K match
• Nitra maintains a hybrid work policy, with team members working from the office four days per week and Wednesdays designated as a work-from-home day.