Senior Software Engineer in Toronto

Company Credit Genie is a mobile-first financial wellness platform designed to help individuals take control of their financial future. We leverage artificial intelligence to provide personalized insights and are building a financial ecosystem by offering tools and services that provide instant access to cash, and building credit. Our goal is to empower every customer to achieve long-term financial stability.

Founded in 2019 by Ed Harycki, former Swift Capital Founder (acquired by PayPal in 2017). Backed by Khosla Ventures and led by industry pioneers from companies such as PayPal, Square, and Cash App, we are well positioned to build the future of inclusive finance through cutting-edge technology and customer-centric solutions.

As a Senior Backend Engineer on the Trust Platform team, you'll play a pivotal role in shaping the systems that safeguard and personalize our financial products. You'll design and build the core services that power fraud detection, authentication, decisioning, and customer data. This is a rare chance to join a fast-growing fintech startup where your work will have a direct and meaningful impact on both the company and the financial well-being of our users.

What You'll Do

• Design, Build, and Scale – Own backend systems end-to-end, from architecture to deployment, building high-performance, secure, and reusable services that product teams rely on to manage risk and deliver consistent customer experiences.
• Greenfield Development – Work on new capabilities from scratch - whether that's a next-generation fraud signal pipeline, a unified notifications service, or an intelligent decisioning layer - making foundational technical decisions that will shape our platform for years to come.
• Cross-Functional Collaboration – Partner with product, design, data science, and adjacent engineering teams to build trust and safety features that balance rigorous risk management with a seamless user experience.
• Technical Leadership – Lead critical technical and design discussions across fraud detection, authentication, and customer data domains, driving best practices in system design, coding, testing, and DevOps.
• Customer-Focused Innovation – Scope, build, and optimize intelligent services that protect users from fraud while ensuring every interaction feels secure, personalized, and trustworthy.

Requirements

• 5+ years of experience designing, building, and scaling high-performance backend systems in a fast-paced, high-growth environment.
• Expertise in architecting and productionizing large-scale distributed systems.
• Comfortable working across multiple technical areas and collaborating with frontend/mobile teams.
• Passion for tackling complex challenges with structured thinking and analytical rigor. Ability to break down intricate systems, identify flaws, and implement scalable, secure, and maintainable solutions.
• Thrives in a fast-moving, iterative environment with a bias for action. Excited to take full ownership of projects, drive impact, and work cross-functionally with product, design, and engineering teams.
• Strong understanding of data privacy, compliance, and secure coding practices. Experience with designing resilient and reliable systems that meet high security and regulatory standards.

Nice to Have

• Experience working with products related to lending, credit cards, payments, or other financial services.
• Familiarity with mobile app ecosystems and financial technology.

Benefits And Perks

Our goal is to provide a comprehensive offering of benefits and perks that promote better financial, mental, and physical wellness. We believe working alongside each other in person is the best way to build a great product and foster a strong company culture. Our expectation is that employees are in the office five days a week, allowing for optimal collaboration, inclusivity, and productivity. At the same time, we understand that life happens and recognize the importance of flexibility. We are committed to supporting our employees when circumstances arise that require remote work or adjusted schedules. Our goal is to ensure everyone can effectively balance personal and professional responsibilities while maintaining our collaborative and productive environment.

Here are some highlights of our benefits and perks offerings, feel free to ask your recruiting partner for more details on our comprehensive offering for employees:

• 100% company-paid medical, dental, and vision coverage for you and your dependents on your first day of employment.
• Receive up to $100 per month in fitness reimbursement or enjoy a complimentary full membership to LifeTime Fitness or Equinox.
• 401(k) with a 3.5% match and immediate vesting.
• Meal program available for both lunch and dinner.
• Pre-tax benefits, including a $1,000 HSA match.
• Life and accidental insurance.
• Flexible PTO.

Your actual level and base salary will be determined on a case-case basis and may vary based on the following considerations: job-related knowledge and skills, education, and experience. Base salary is just one part of your total compensation and rewards package at Credit Genie. You may also be eligible to participate in the bonus and equity programs. You will also have access to comprehensive medical, vision, and dental coverage, a 401(k) retirement plan with company match, short & long term disability insurance, life insurance, and flexible PTO along with many other benefits and perks.

Credit Genie is a proud Equal Opportunity Employer where we welcome and celebrate differences. We are committed to providing a workspace that is safe and inclusive, where everyone feels supported, connected, and inspired to do their best work. If you require any accommodations to participate in our recruitment process, please inform us of your needs when we contact you to schedule an interview.