As a Backend Engineer, you will design and maintain systems for digitizing financial workflows and manage cash movements at scale, collaborating cross-functionally to ensure system reliability and performance.
About Nclusion
About the Role
What You’ll Do
What You Bring to the Table
Preferred Qualifications
Nclusion is on a mission to provide traditional financial services to 1.5 billion people worldwide without access today. Without a secure way to save, invest, or transfer money, individuals are not empowered to accumulate short or long-term wealth. We're changing that by bridging the gap between traditional banking and the communities that need it most.
As a Backend Engineer, you'll play a critical role in shaping the technical foundation that powers our agent network and platform. You’ll apply your development expertise and contribute to our efforts to digitize the movement of cash throughout our banking network in a secure and robust manner, paving the way for financial services to operate in underserved markets. This role is ideal for someone who thrives at the intersection of system design, product thinking, and execution. You'll work cross-functionally to architect robust backend systems that are flexible enough to meet regional needs while resilient enough to support markets in in multiple countries.
What You’ll Do
- Design, build, and maintain systems that digitize and automate financial workflows for our associates.
- Develop infrastructure to track and manage physical cash movements at scale.
- Create backend features that support loyalty cards, including payroll deposits and redemption workflows.
- Collaborate with product managers, operations, and fellow engineers to translate business processes into digital workflows.
- Champion engineering best practices across the team, including testing, code reviews, observability, and documentation.
- Drive reliability, performance, and security improvements across our platform.
- Backend development experience in Node.js, Go, Python, or similar—plus strong understanding of REST APIs and event-driven architecture.
- Product mindset with a focus on solving real-world problems while designing for long-term scalability and reuse.
- Domain modeling skills—you know how to shape complex business requirements into clean, maintainable systems.
- Excellent communication, especially in writing and visuals—you can explain technical and product concepts clearly across cultural and language boundaries.
- Comfort with ambiguity—you’re at ease navigating loosely defined problems and environments.
- Internationalization expertise—building for multilingual or multi-market platforms.
- Experience in regulated domains—such as financial services, healthcare (HIPAA), or privacy (GDPR, SOC2, KYC).
- Domain knowledge in finance-adjacent areas—like accounting, HR systems, inventory management, or logistics.
Benefits and Perks
- 📈 401k with a match!
- 🩺 Medical Insurance
- 🦷 Dental Insurance
- 👓 Vision Insurance
- 💸 Competitive compensation & equity – We believe in sharing success.
- ✈️ Flexible PTO – We focus on impact, not tracking vacation days. We encourage a minimum of 14 days.
- 🍽️ In-office lunch, team events & culture
Yearly Salary: $150,000 - $260,000
In our commitment to fostering a diverse and inclusive workplace, we value the unique perspectives and experiences each individual brings to our team. We encourage all candidates, regardless of background, to apply. Your skills, talents, and potential contributions matter deeply to us, and we believe in creating an environment where everyone has an opportunity to thrive. We recognize that meeting every listed requirement may not always be possible, but we value passion, determination, and a willingness to learn. Your application is an opportunity for us to discover the exceptional qualities you bring.
Nclusion Palo Alto, California, USA Office
Palo Alto, California, United States
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