Bankjoy is a Y Combinator and Bessemer Venture Partner backed FinTech startup. We are changing the way community banks and credit unions do business, enabling them to become tech-driven and digital first. Bankjoy provides modern digital banking products including mobile banking, online banking, online account opening, loan origination, and conversational AI. Our mission is to revolutionize banking tech infrastructure by leading digital transformation at financial institutions — big and small.
💼 The Role
We are looking for a Lead Software Engineer to own the technical direction and execution of Bankjoy's Online Account Opening (OAO) and Online Loan Application (OLA) products, one of our most strategically important and revenue-critical product areas.
This is a hands-on technical leadership role. You will own the architecture, lead a high-performing engineering team, and work closely with Product, Design, QA, and financial institution clients to deliver account opening and loan origination experiences that are fast, compliant, and conversion-optimized. You'll be embedded in a fast-moving fintech environment where your decisions directly impact client go-lives and member acquisition for credit unions and community banks.
The ideal candidate brings deep experience in digital account opening, loan origination, or financial onboarding technology, with strong proficiency in .NET Core and Angular, and the technical leadership skills to drive a team and build alongside them.
🧠 What You'll Do
Technical Leadership & Architecture
Own the technical direction and architecture for Bankjoy's OAO and OLA products, designing systems that are scalable, secure, compliant, and optimized for financial institution workflows
Lead solution design and quarterly planning, guiding architectural and technology decisions in alignment with product and business goals
Ensure all systems meet financial industry standards including KYC/AML compliance, identity verification, regulatory requirements, and data privacy
Provide technical guidance and code reviews to maintain engineering best practices across the team
Architect integrations with core banking systems (Corelation, Jack Henry Symitar, Fiserv Portico, CU Answers) and third-party vendors (identity verification, fraud detection, e-signature providers)
Execution & Delivery
Break down initiatives into milestones and deliverables, managing scope, dependencies, risks, and technical debt
Monitor delivery progress and communicate risks or blockers proactively to ensure timely, high-quality client go-lives
Balance delivering business value with maintaining long-term system health, avoiding over-engineering while building for scale
Hands-On Development
Contribute directly to coding, testing, debugging, and development; this is not a purely managerial role
Build and maintain backend services using C#, .NET Core, Entity Framework, and SQL Server
Develop frontend components using TypeScript and Angular
Build and maintain integrations with core banking systems, identity verification providers, and other third-party APIs
Team Leadership & Mentorship
Lead and mentor engineers through regular 1:1s, performance feedback, and hands-on coaching
Foster a collaborative, high-trust team culture that emphasizes quality, ownership, and continuous improvement
Hire and onboard engineering talent as the account acquisition team grows
Cross-Functional Collaboration
Partner closely with Product to shape the OAO/OLA roadmap, define feature scope, and deliver accurate technical estimates
Work with Implementation and Client Success teams to understand client go-live needs and ensure technical solutions support smooth onboarding
Collaborate with QA to define testing standards, quality gates, UAT readiness, and release criteria
Surface implementation-blocking issues and feed client learnings back into the product and engineering roadmap
Quality & Production
Oversee unit test coverage, integration testing, and CI/CD pipeline quality
Establish monitoring, alerting, and observability practices to ensure production reliability for client-facing account opening flows
Participate in on-call rotation and respond to production incidents with clear RCA and retrospective processes
🎯 What You Bring
8+ years of software engineering experience, with at least 2 years in a technical leadership or lead engineer role
Domain experience in digital account opening, loan origination, financial onboarding, or banking technology; candidates without this background will not be considered
Strong proficiency in C#, .NET Core, Entity Framework, and SQL Server; this is the core backend stack
Strong proficiency in Angular and TypeScript: required frontend skill, not optional
Proven experience building and integrating with core banking systems or third-party financial APIs (identity verification, KYC/AML, e-signature, fraud detection)
Proven ability to architect scalable, secure, and compliant systems in a regulated financial environment
Experience leading engineering teams: setting technical direction, coaching engineers, and driving delivery without sacrificing quality
Strong understanding of KYC/AML compliance, identity verification, and data privacy requirements in financial applications
Experience with cloud infrastructure, containerization, microservices, and CI/CD pipelines
Must be available to work Eastern Time Zone hours; this is a firm requirement
Comfortable operating in a high-growth startup environment; you build the process, not just follow it
🌟 Nice to Have
Direct experience with credit union or community bank account opening or loan origination platforms
Familiarity with Corelation Keystone, Jack Henry Symitar, Fiserv Portico, or CU Answers core banking integrations
Experience with Plaid, Socure, Alloy, DocuSign, or similar identity and verification APIs
Experience with business banking account opening or commercial onboarding workflows
Background in conversion optimization for digital financial onboarding flow.
A fast-paced and collaborative environment
Competitive compensation
Stock options at a well-funded startup
We cover 100% of medical, dental, and vision premiums for individuals on our base plan, with significant contributions toward all other plan options (USA).
We cover 100% of extended medical, dental, and vision premiums for you and your family under our single, comprehensive plan (Canada).
Retirement plan with 4% company matching
8 weeks paid parental leave for birthing parents, 4 weeks for non-birthing
3-5 weeks PTO depending on tenure
5 health days
15 holidays
End of year shutdown
Performance-based bonuses
Remote first culture
Bankjoy is committed to hiring talented and qualified individuals with diverse backgrounds for all of its tech, non-tech, and leadership roles. Bankjoy provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age or disability.
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