Senior Backend / Product Engineer — Fintech (Lending & Ledger)

PingLend is on a mission to radically change the way credit works for the underbanked: starting with credit.

PingLend allows anyone to get a credit card regardless of their credit score by collateralizing assets such as gold, jewelry, watches, handbags, etc. This allows PingLend's users to build their credit and qualify for previously unobtainable financial products.

We're a small team building a live consumer credit product — a dynamic credit card: application funnel, KYC/credit decisioning, a double-entry ledger, statements, payments, and ACH. You'll own backend systems where correctness with money is the whole job. You'll help shape the product itself as well. You need strong product judgement.

• Services that move money and reconcile against a ledger that is the system of record
• Integrations with credit-decisioning, card-issuing, ACH, and KYC/AML providers
• Cross-service contracts (async, queue-based) where a malformed message is a production incident
• GraphQL APIs powering a mobile app, plus the batch/job pipelines behind statements and payments
• Product design and implementation across the member experience, from application flow through servicing and repayment

• Strong backend fundamentals: data modeling, Postgres, async/queue-driven systems, idempotency, and designing for failure
• Comfort owning a feature across the stack: DB → API → infra → tests → deploy → monitoring
• The ability to operate with incomplete requirements and drive a problem to a concrete outcome

• Financial/fintech experience — ledgers, double-entry accounting, payments/ACH, lending, or card issuing. You understand why "close enough" is a bug.
• Product-engineer instincts — you scope from the user's problem, not just the ticket; you push back on unnecessary work, challenge assumptions, and cut features that don't pull their weight
• Experience building products in a startup environment where engineers are expected to contribute to both product direction and implementation

• Elixir / Phoenix / Absinthe / Oban (or genuine enthusiasm to ramp — strong Ruby/Erlang/functional folks adapt fast)
• AWS (we use CDK), infra-as-code, observability (Datadog)
• Experience with regulated/compliance-sensitive systems (PCI, KYC/AML, Reg B)