[Remote] Backend Engineer at Credit Key

United States

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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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