Who you are

• We're looking for an engineer who is passionate about building highly reliable, scalable, and secure distributed systems, and who thrives on the challenge of creating the foundational services that underpin a modern FinTech bank
• You have significant professional experience in backend development, with a proven track record of designing, building, and operating complex, large-scale distributed systems in a production environment
• You possess a deep understanding of microservices architecture, including patterns for data consistency, fault tolerance, and inter-service communication (e.g., RESTful APIs, event-driven architecture)
• You are meticulous about quality and have experience with systems where correctness and reliability are non-negotiable requirements
• You have hands-on experience with our core technologies (Go, PostgreSQL) or are proficient in a similar language (e.g., Java, C#) and are eager to learn Go
• You are solution-oriented and thrive on taking ownership of complex problems, from initial discovery through to a successful resolution in production
• You are an excellent communicator, capable of articulating complex technical decisions and their business implications to diverse audiences
• You have a practitioner's understanding of modern AI-first development. You are fluent in AI-assisted coding and possess a keen interest in advanced prompt engineering and agent orchestration
• Experience working directly in the payments domain (e.g., payment processing, card networks, acquiring, issuing)
• Experience with core banking systems or building integration layers for complex third-party financial platforms
• Knowledge of financial ledgers, accounting principles, or double-entry bookkeeping systems
• Familiarity with payment-related compliance and security standards like PCI-DSS
• Experience with message brokering and event-streaming platforms like RabbitMQ, AmazonMQ, Kinesis, Kafka, etc
• Deep expertise in database performance tuning and data modeling for financial applications using PostgreSQL

What the job involves

• As a Senior Backend Developer on the Payments team, you will be at the heart of KOHO's mission, architecting and building the financial infrastructure that moves millions of dollars for our users every day
• You'll join a team of experts responsible for the entire payment lifecycle, from transaction processing and core banking integration to ensuring every cent is accounted for in our immutable ledger
• You'll design, build, and operate the high-throughput services that form KOHO's payment processing engine, ensuring every transaction is fast, reliable, and secure
• Architect and evolve the critical integration layer between KOHO's application domain and our core banking platform, solving complex challenges in data consistency and system resilience
• Contribute to the design and maintenance of our immutable financial ledger service, where data integrity and auditability are paramount
• Own the full lifecycle of your services, from technical design and implementation to defining SLOs/SLAs, monitoring, and participating in an on-call rotation to ensure the operational health of KOHO's financial backbone
• Drive the technical strategy for the Payments team, mentoring other engineers and championing best practices in distributed systems design, fault tolerance, and security
• Collaborate with product managers, security teams, and other engineering teams to deliver robust and compliant payment solutions that directly impact KOHO's users

Benefits

• Stock options
• Semi-annual merit increases
• Holiday bonus
• Work from anywhere
• Generous PTO
• Health & Lifestyle spending accounts
• $1000 remote office setup budget
• $5000 referral bonus
• Free KOHO Premium account
• Icon Potential Alt Text
• In-house coaching program
• $2000 annual training allowance
• Approachable leadership
• Bias towards action