Software Engineer
At a glance
Mid-level Software Engineering role at ModernFi. NYC | Remote · full-time · $150,000–$250,000 base.
techroles summary, based on the employer's posting.
What you'll do
- Design and maintain backend services that scale reliably and connect with banks for core products
- Work with Product to turn business needs into technical plans, then deliver the resulting features
- Improve code quality, testing, delivery pipelines and documentation across the engineering workflow
- Review designs and code, help set technical direction, and take on architecture or project leadership
- Solve difficult technical problems and contribute to a collaborative, inclusive engineering team
What you bring
- At least four years in software engineering, with flexibility based on the level you demonstrate
- You can independently design, build and maintain backend systems and produce production-ready code
- You communicate technical ideas clearly to both technical and non-technical people
- Python, AWS or comparable modern technologies are useful background
Who this fits
This role suits a thoughtful individual contributor who enjoys shipping software, improving team practices and supporting teammates. The position is onsite in the United States, with relocation to New York offered. The hiring level is set during interviews; more senior candidates may be expected to have contributed significantly to complex engineering projects.
From the employer
The Opportunity
ModernFi is seeking software engineers to build the foundation of the platform that powers banks and credit unions nationwide. From day one, you will have significant ownership and the opportunity to shape the direction of our platform, our engineering culture, and the broader trajectory of the company. As a member of a talented and collaborative team, you will design and build the systems at the core of how ModernFi operates.
Your work will be instrumental in building the products that help banks and credit unions better serve their communities, improving financial health nationwide. This role offers the opportunity to build impactful solutions with real autonomy, work on mission-critical systems, grow your technical expertise, and influence how the team builds as we scale during a period of rapid growth.
We are hiring across levels (mid-level, Senior, and Staff), and your level will be determined during the interview process based on your technical performance.
At ModernFi, your work will directly fuel our vision and mission to serve as systemically important financial infrastructure that drives the American economy and to empower our partner financial institutions to grow and better serve their communities.
The Role
Responsibilities
Design and build scalable, maintainable, and correct backend services to support ModernFi’s core products and bank integrations.
Lead or contribute to technical initiatives, with opportunities to define architecture, lead projects, and mentor teammates.
Partner closely with Product to define requirements, translate business needs into technical specs, and ship elegant, impactful features.
Uphold and evolve engineering best practices, including code quality, testing, CI/CD pipelines, and documentation.
Participate in design discussions, conduct code reviews, and contribute to technical decisions that scale with our business.
Tackle challenging technical problems with innovative and pragmatic solutions.
Help cultivate an inclusive, high-performing engineering culture grounded in trust, ownership, and collaboration.
Tech Stack
Python (FastAPI, SQLAlchemy), Typescript
Retool (React, Vite, Tailwind)
PostgreSQL Database
AWS / Pulumi IaC
Tools: Auth0, Datadog, Fern
About You
Proven ability to independently design, develop, and maintain backend systems.
Strong understanding of software engineering principles, with tangible experience writing high-quality, production-ready code.
Experience leading or contributing significantly to complex engineering projects (for more senior candidates).
Excellent communication skills with the ability to explain technical concepts clearly to both technical and non-technical audiences.
Comfortable operating in a fast-paced, dynamic environment with shifting priorities.
High level of empathy, integrity, and calmness under pressure.
4+ years of software engineering experience (flexible depending on level), ideally with Python, AWS, or similar modern technologies.
Interest in financial systems and the opportunity to work on meaningful problems with real-world impact
You’re a thoughtful IC who thrives on shipping great software, improving team practices, and supporting those around you.
About Us
The caliber and character of the ModernFi team set us apart.
We value competence and drive over experience, and look for compassionate people with diverse backgrounds. We appreciate technical ability, dedication, and humble confidence. Above all, we value respect — for our colleagues, our clients, our partners, and ourselves.
Our team pushes each other to be better every day, supports each other when things go wrong, and grows together on this journey. Because we are a close-knit team, we are selective and considerate with every hire.
The people at ModernFi could be doing anything in the world, yet they choose to be here.
Benefits
Top-of-market comp, equity from day one
Health, dental, vision. 100% employee covered
401(k) with a broad fund selection
Unlimited PTO
Fully paid parental leave
$100 monthly wellness stipend
Dinner in the office
Relocation to New York
Uncapped equipment
Quarterly team outings
Salary Range: $150,000 - $250,000 + Equity
The Process
If you’d like to learn more, please email us at careers@modernfi.com. Our process is focused on cultural and personality fit. We are excited to get to know you, learn about what motivates you, and ensure that we can accelerate your personal and professional growth.
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