Sr Software Engineer - RecargaPay

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.

Responsibilities

• 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.

Requirements

• Strong backend engineering fundamentals with hands-on experience in Java and Spring (Boot, MVC, Security, Data).
• Solid AWS experience — designing and operating distributed services in the cloud, not just deploying to it.
• A structured approach to problem analysis: understanding the system, tradeoffs, and downstream risks beyond the immediate ticket.
• Comfort operating autonomously: ability to drive tasks to completion, surface blockers early, and self-direct next steps.
• Clear, direct communication across technical and non-technical stakeholders (engineers, product managers, risk analysts).
• Proven experience building systems where reliability and security are primary concerns (financial services, payments, or regulated domains).

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.

Benefits

• Competitive and market-aligned salary.
• 100% remote work setup.
• Monthly home office allowance deposited in the RecargaPay app.
• Comprehensive health and dental plans with no co-pay.
• Life insurance.
• Flexible meal allowance via Flash.
• TotalPass gym/fitness membership.