Senior Software Engineer, Backend

Dave is a financial app on a mission to build products that level the financial playing field. It is redefining the financial landscape by leveraging technology to create an affordable, transparent, and user-centric access to liquidity for millions of Americans. As a leading innovator in the U.S. financial services sector, Dave’s digital financial platform offers products designed to meet the credit needs of those underserved by traditional financial institutions. Dave’s offerings include its flagship ExtraCash product, providing members up to $500 within minutes. The company is on track to launch several new product offerings in 2026, including a Buy Now Pay Later (BNPL) option.

Dave is focused on serving Americans who are financially vulnerable or living paycheck to paycheck. Dave is leading the charge in creating a new era of credit products that prioritizes speed, affordability, and accessibility, making it the go-to financial partner for those who need it most.

Dave is looking for a talented Senior Backend Engineer to continue building the foundation that empowers the engineers to build products that help millions of people improve their relationship with money. If you're excited to join a tight-knit collaborative team with a mission of helping others, we'd love to hear from you!

The squad is a critical part to the servicing of DAVE’s customers by facilitating the Dave Bank account and Dave debit Card management, Bank and Card based transaction processing, reconciliation & ledgering. We manage integrations with multiple processors, banking service providers, sponsor banks and multiple product verticals. In addition, the team owns the backend systems for the on-boarding, validation and managing of Debit Card based payment methods.

We’re looking for someone who thrives on solving hard problems, is passionate about finding innovative solutions not just for today but allowing for growth of the future, delights customers, and inspires colleagues.

• Architect and implement software solutions that are scalable, performant and secure.

• Design the future state of our large-scale backend distributed platforms with an understanding of our product and engineering goals, a deep understanding of our existing systems, and payment processing regulations like PCI compliance and 3DS to inform the right technical and product tradeoffs.

• Write clean, efficient, and maintainable code following best practices and coding standards

• Use code reviews as an opportunity to coach and ensure best practices/standards.

• Provide technical leadership and assist guiding the team's overall technical direction

• Work closely with product managers, designers, and other engineers to understand business requirements and translate them into technical specifications

• Debug and troubleshoot production issues and provide timely solutions

• Proactively eliminate potential for customer-impacting outages in the systems so users are able to move money in a secure manner seamlessly.

• Utilizes the various offerings of Cloud Platforms to build robust, efficient, and resilient distributed systems.

• Designs and implements efficient data storage in our SQL and NoSQL databases to power the Dave platform.

• Continuously enhance and refactor the codebase to improve maintainability, scalability and extensibility

• Monitor and analyze system performance, diagnose issues, and proactively identify opportunities for optimization. Implement logging and application performance monitoring mechanisms to gather relevant metrics and ensure comprehensive observability

• Stay abreast of industry trends, new technologies, and best practices

• Share knowledge with the team and contribute to the continuous improvement of development processes and methodologies.

Your work will power critical financial flows that help millions of Dave members manage and repay advances. Reliable systems here directly influence member trust, product performance, and Dave’s ability to scale responsibly.

• Bachelor’s degree (or above) in Computer Science or related discipline. Other majors will be considered in conjunction with appropriate related experience and/or training.

• 4+ Years of Software Engineering Experience with a focus on Backend feature development

• Solid understanding of software engineering principles, design patterns, and algorithms

• Experience with RESTful API design and development

• Demonstrated ability to analyze complex problems, propose solutions, and implement them effectively.

• Proven track record of collaborating effectively with cross-functional teams, demonstrating excellent communication and interpersonal skills.

• Ability to work independently and as part of a team in a fast-paced, agile development environment.

• Passionate about learning and staying updated on emerging technologies, industry trends, and best practices

• Strong desire for self-improvement and professional growth.

• Familiarity with data-driven systems or machine learning integrations

• Experience working with high-scale backend platforms

You take responsibility for outcomes, not just tasks. You care about building systems that hold up over time and look beyond the immediate ticket to understand how your work affects the broader product, member experience, and platform reliability. You make thoughtful trade-offs between speed and durability and ask questions that help clarify the best path forward.

You also work well across teams. Many of the systems you’ll touch connect with payments, banking infrastructure, and data platforms. Success in this role comes from collaborating closely with product managers, data scientists, and other engineers, sharing ideas openly, and using feedback to improve both systems and how the team works together.

At Dave, engineers have real ownership of the systems they build. Priorities evolve as we learn from member behavior and product data, and engineers help shape solutions as much as they implement them. The environment is collaborative, pragmatic, and focused on building systems that scale responsibly.

At Dave, our people are just as important as our product. Our culture reflects the values that guide who we are, how we work, and what we aspire to be. Daves are member-centric, helpful, transparent, persistent, and better together. We strive to create an environment where all Daves feel valued, heard, and empowered to do their best work. As a virtual-first company, team members can live and work anywhere in the United States, except Hawaii. 

A few of our benefits & perks:

💚 Opportunity to tackle tough challenges, learn and grow from fellow top talent, and help millions of people reach their personal financial goals

💻 Flexible hours and virtual-first work culture with a home office stipend

🏥 Premium Medical, Dental, and Vision Insurance plans

👶 Generous paid parental and caregiver leave

💰 401(k) savings plan with matching contributions

📈 Financial advisor and financial wellness support

🏖️ Flexible PTO and generous company holidays, including Juneteenth and Winter Break

🎉 All-company in-person events once or twice a year and virtual events throughout to connect with your team members and leadership team

Dave Operating LLC is proud to be an Equal Employment Opportunity employer and is dedicated to cultivating a diverse and inclusive workplace. We will consider for employment all qualified applicants and do not discriminate on any basis protected by federal, state, or local law, including the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance relating to an applicant's criminal history.

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