About OnePayOnePay is a consumer financial services app with an exceedingly simple mission: to help people achieve financial progress.Tens of millions of Americans today are unbanked or underbanked, meaning they donât have enough money in savings to cover a minor emergency. They pay too much in fees, donât have access to credit at affordable rates, and have little ability to grow their wealth. OnePayâs vision is to create a single app for consumers to save, spend, borrow, and grow their money, bringing our mission to life with simple and accessible banking, credit, and payments products that deliver a best-in-class experience to millions of customers. Our products include:Checking and high-yield savings accountsDomestic and international peer-to-peer paymentsCredit Builder and credit score monitoringDigital wallet / contactless payment solutionsCredit card programBuy-now-pay-later installment loans at WalmartPrepaid mobile serviceWhy do we have a right to win? We have the backing of Walmart (a Fortune 1) and Ribbit Capital (a preeminent fintech investor), are deeply embedded with the distribution of the worldâs largest omnichannel retailer, and have an industry-leading multi-product value proposition â all in addition to having some of the best people and talent in the industry.Thereâs never been a better time to build a category-defining business and there has rarely been a team better positioned for the opportunity. Join us!The RoleAs a Staff Engineer at OnePay, youâll serve as a highly versatile technical leader and contributor, tackling complex engineering challenges across multiple domains. Rather than being tied to a single product or team, youâll be deployed as a utility player where the business needs you mostâwhether thatâs scaling systems, guiding architectural decisions, or accelerating delivery of user-facing features. Youâll collaborate broadly with engineering, product, and design, and play a pivotal role in shaping OnePayâs technical foundation and customer experience.What Youâll DoLead design and implementation of high-scale systems and features across product lines, serving as a trusted technical partner for multiple teams.Provide architectural guidance and hands-on contributions to ensure reliability, security, and performance across OnePayâs platform.Tackle complex, novel engineering problems in areas such as payments, servicing, and consumer-facing experiences.Mentor and level up other engineers, raising the technical bar across the org.Contribute to shaping the core infrastructure and developer experience that power our productsYou Bring10+ years of professional software engineering experience, including at least 3 years in a senior or staff-level capacity driving technical outcomes.Proven success building and scaling user-facing products or backend systems in fast-paced environments.Proven ability to quickly ramp up across different technical areas and lead complex initiatives, regardless of stack or domain.Strong ability to operate autonomously, navigate ambiguity, and quickly align stakeholders.Bonus: Experience working with AI-powered or user-facing AI products (e.g., personalization, conversational agents, recommendation systems).Drive and proactivity â everyone here is a builder and executor.Tools we useWe use the fp-ts library for functional programming with Node/TypeScript running on top of Kubernetes and AWS. We believe great engineers can learn any stack, so you do not need experience with these specific tools, but youâll ramp up more quickly if you are familiar with functional programming concepts.What We OfferCompetitive base salary, stock options, and health benefits from Day 1401(k) plan with company matchRemote-friendly (US), flexible time off (FTO), and opportunities for growthA high-growth, mission-driven, inclusive culture where your work has real impactStandard Interview ProcessInitial Interview with Talent PartnerTechnical or Hiring Manager InterviewTeam InterviewExecutive InterviewOffer!Equal Employment OpportunityTo build technology and products that are used and loved by people and solve real-world problems, we need to build a team with many different perspectives and experiences. We are an equal opportunity employer. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We encourage candidates from all backgrounds to apply. Applicants in need of special assistance or accommodation during the interview process or in accessing our website may contact us at talent@onepay.com.Please mention the word **TRUSTED** and tag RMjAzLjExMC4yNDIuMzA= when applying to show you read the job post completely (#RMjAzLjExMC4yNDIuMzA=). This is a beta feature to avoid spam applicants. Companies can search these words to find applicants that read this and see they're human.