Note: The job is a remote job and is open to candidates in USA. Nitra is building business banking products for healthcare practices. The Senior Backend Engineer will build foundational banking infrastructure for business accounts, payments, transaction processing, and ledger integrity. The role also includes integrating financial partners and existing products, making architecture decisions, and establishing engineering standards.
Responsibilities
- 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
Skills
- 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
- 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
Benefits
- Equity
- Bonus
- Comprehensive health, vision, and dental insurance options
- A generous employer 401K match
- Hybrid work policy: four days per week in the office and Wednesdays designated as a work-from-home day
Company Overview
Company H1B Sponsorship