Credit Key

Backend Engineer

United States

Not SpecifiedCompensation
Senior (5 to 8 years), Expert & Leadership (9+ years)Experience Level
Full TimeJob Type
UnknownVisa
Fintech, Financial Services, E-commerceIndustries

Requirements

Candidates must have 5+ years of experience building complex backend systems and strong programming skills in more than one language, including Ruby, Rails, JavaScript, Node.js, NestJS, or TypeScript. Proficiency in Git, SQL/NoSQL schema design, complex queries, and RESTful API design is essential. Experience with deploying and maintaining services, monitoring, cloud infrastructure (AWS preferred), Terraform, and CI/CD pipelines is also required. Nice-to-have qualifications include experience with e-commerce platforms, scaling NoSQL databases, Docker, container orchestration, and familiarity with security-conscious industries or infrastructure-as-code best practices.

Responsibilities

The Backend Engineer will design and implement backend systems, APIs, and features, owning services end-to-end from deployment to monitoring and scaling. Responsibilities include contributing to architecture discussions and design documentation, collaborating with product, engineering, and operations teams to define and build solutions, and sharing knowledge to improve team quality. The role involves guiding best practices and leveraging expertise in platform areas, balancing technical rigor with practical judgment.

Skills

Backend Systems
APIs
Scalable Code
Service Ownership
Deployment
Monitoring
Terraform
Cloud Environments
Architecture
Code Review

Credit Key

B2B payment solutions with flexible financing

About Credit Key

Credit Key improves B2B payments by offering a "Buy Now, Pay Later" (BNPL) solution that allows business buyers to make purchases and pay over time, while merchants receive payments within 48 hours. The platform provides instant credit decisions and pre-approvals, making the payment process faster than traditional credit options. With financing available for up to 12 months, Credit Key helps increase sales and customer loyalty for merchants. The goal is to enhance the B2B payment experience and provide a more efficient alternative to traditional financing.

Los Angeles, CaliforniaHeadquarters
2015Year Founded
$49.9MTotal Funding
EARLY_VCCompany Stage
Fintech, Financial ServicesIndustries
51-200Employees

Benefits

Health Insurance
401(k) Company Match
Remote Work Options
Flexible Work Hours
Home Office Stipend

Risks

Increased competition from new entrants like Resolve and Fundbox threatens market share.
Potential regulatory scrutiny on BNPL services could impact Credit Key's operations.
Rising interest rates may affect Credit Key's profit margins and financing attractiveness.

Differentiation

Credit Key offers instant credit decisions, unlike traditional slow credit solutions.
Their omnichannel approach covers both online and offline transactions seamlessly.
Credit Key provides financing options for up to 12 months, enhancing customer loyalty.

Upsides

Increased demand for B2B BNPL solutions boosts Credit Key's market potential.
Partnerships with e-commerce platforms expand Credit Key's reach and integration opportunities.
Rising interest in omnichannel solutions aligns with Credit Key's business model.

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