--- title: 'Backend Engineer, Banking at OnePay' canonical: 'https://feeny.ai/job/backend-engineer-banking-onepay-bengaluru-7k2gqpamj6r6' type: 'job' last_seen: '2026-10-31' --- # Backend Engineer, Banking at OnePay - **Company:** OnePay - **Location:** Bengaluru, India - **Employment:** full-time - **Work type:** hybrid - **Posted:** 2026-10-26 - **Last confirmed live:** 2026-10-31 - **Apply:** https://jobs.ashbyhq.com/oneapp/3d950f2f-4ec6-4817-a0be-0fbfe809561c/application **Skills:** Node.js, TypeScript, NestJS, Kubernetes, AWS, Microservices, React Native, iOS, Android, Web Development, AI-assisted development, Claude Code, Cursor > The Backend Engineer will build and maintain products and systems for OnePay's consumer fintech platform, focusing on non-trivial products and services. The role involves collaborating with cross-functional teams to solve complex problems at scale, manage documentation, and ensure high-quality code delivery within a... ## Job description ## About OnePay OnePay is the consumer fintech trusted by millions of Americans to make money better. Our financial system is broken. High fees, low rates, and too few ways to actually grow your money. We’re fixing it. And we’re moving fast. We’re an all-in-one financial services platform that brings together banking, high-yield savings, credit cards, point-of-sale lending, investing, and crypto in one place. We also partner with employers, HCM providers, gig platforms, and others to deliver embedded financial services to millions of employees and frontline workers. We’re backed by Walmart, the world’s largest retailer, and Ribbit Capital, one of fintech’s most respected investors, giving us rare scale, distribution, and the opportunity to build something truly category-defining. But what really sets OnePay apart is how we move. Our customers don’t have time to wait… and neither do we. This place moves fast, and we’re looking for people who are: - Ready to run - Hungry and driven by urgency - Exceptional at what they do, with low ego - Comfortable operating in motion ## The role Software Engineers at OnePay build the products & systems that serve our customers and run our company. Besides writing, reviewing, and shipping code, engineers collaborate with others across the company, from product, design, and data to, customer support, ops, and compliance. Software Engineers at OnePay are highly technical, communicative, and emotionally intelligent. This role is responsible for: - Working closely with other engineers to ship code. We enjoy collaboration and partnering on hard problems. - Building and maintaining documentation. As a growing and remote organization, having the necessary docs are key to our success. - Solving complex problems that arise at scale. We deal with real-world money movement, sensitive financial data at scale, and are creating novel financial mechanics with no real precedent. You bring - 4+ years professional experience building, shipping — and growing — non-trivial products & services. - Professional experience building, shipping — and growing — non-trivial products & services. - We are hiring at all levels of seniority for backend engineers. - Passion for your craft and care for the people you work with. You value quality across code, communication, and culture. - An act-like-an-owner mentality. We have a bias toward taking action. - A desire to keep growing your skills, and an ability to learn quickly. We hope you’ll be here for a while, and there’s no better investment than in our people. - The Triple H Factor: Hungry, Humble, Honest Tools We Use We use Typescript front to back, with node and NestJS frameworks for server code and React Native for our iOS, Android, and Web clients. We run on a highly distributed cloud-native stack with Kubernetes and AWS, and scale and resiliency are at the heart of everything we build. We also embrace agentic development, so engineers have their choice of a variety of models and agent harnesses, including Claude Code, Cursor, Codex, and more to fit their workflow. While you don't need experience with our exact stack, familiarity with modern software engineering practices will help you ramp up quickly. ## What We Offer - Competitive salary, stock options, and benefits from Day 1 - Comprehensive health insurance coverage (health insurance, accident and disability insurance, term life insurance), including mental health support and wellness programs - Hybrid work model (Bengaluru office three days a week), various time off programs (vacation, sick, other paid leaves, and paid regional holidays) - Monthly transport and work-from-home allowances - A high-growth, mission-driven, inclusive culture where your work has real impact Standard Interview Process Our process varies by role. Most candidates go through: - AI-assisted initial screen - Interview with Talent Partner - Technical or Hiring Manager Interview - Team Interview - Executive Interview - Offer! ## Equal Employment Opportunity To build technology and products that are used and loved by people and solve real-world problems, we need to build a team with many different perspectives and experiences. We are an equal opportunity employer. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We encourage candidates from all backgrounds to apply. Applicants in need of special assistance or accommodation during the interview process or in accessing our website may contact us at talent@onepay.com. ## About OnePay ## Company Overview - **One-liner**: OnePay is a financial technology company that provides a mobile banking platform for consumers and embedded financial services for employers, enabling users to send, spend, borrow, build credit, and earn rewards. - **Entity Type**: Private (Series B; $66M total funding) - **Headquarters**: New York, New York, United States - **Founded**: 2019 - **Founders**: Not publicly available (CEO is Omer Ismail) ## Core Business - **Primary industry**: Financial Technology (Fintech) / Consumer Banking - **Target customers**: B2C (individual consumers) and B2B (employers, HCM providers, gig platforms) – serves millions of consumers and frontline workers - **Mission/purpose**: “Making money better in America” – helping people achieve financial progress by consolidating savings, spending, and credit tools into one place. ## Products & Services - **Banking through OnePay**: High‑yield savings, debit card, and deposit account (partner banks: Coastal Community Bank, Lead Bank, Members FDIC) - **OnePay Credit Card**: Credit building and rewards card - **OnePay Wallet**: Digital wallet for payments - **OnePay Loans (incl. OnePay Later)**: Point‑of‑sale lending and personal instalment loans - **OnePay Invest / Crypto**: Investment and cryptocurrency offerings - **OnePay @Work (B2B suite)**: Embedded financial wellness platform for employers – consolidates savings, spending, and credit tools to improve employee stability - **OnePay Rewards**: Points‑based loyalty program redeemable for cash back ## Market Standing - **Valuation/Market Cap**: Not disclosed - **Key Metric**: Total Funding – $66M (Seed $9M in 2019, Series A $17M in 2020, Series B $40M in 2021); ~566 employees (+10% YoY); 4.9★ app rating - **Notable Investors/Partners**: Ribbit Capital, Walmart (both lead investors). Also acquired Even.com. - **Growth Signals**: 30.1% LinkedIn follower growth YoY; active in 18 countries; 36 open job postings (up 80% YoY); rebranded from “One” to “OnePay” in March 2025. ## Competitive Advantages - **Walmart partnership**: Embedded distribution and co‑branded products offer massive consumer reach. - **All‑in‑one platform**: Combines banking, credit, lending, investing, and crypto – a “financial super app.” - **B2B embedment**: Direct integration with employers and HCM platforms creates sticky, recurring revenue. - **Scrappy, execution‑focused culture** that prioritises speed and shipping over bureaucracy. ## Strategic Focus - **Consumer growth**: Expanding the OnePay Rewards program and deepening Walmart integration. - **B2B embedded finance**: Scaling the @Work platform to more employers and gig economy partners. - **Product expansion**: Continually adding lending, credit, and crypto features to increase wallet share. - **Geographic reach**: Operating across 18 countries, with major hubs in the US, India, Pakistan, and Argentina. ## Why Work Here - **Culture**: “Humble, Hungry, Honest” – values include being execution‑obsessed, scrappy, and customer‑led. The company describes itself as fast‑paced and compared to “rabbits” who move with urgency. - **Remote / Hybrid**: Remote‑first for US employees; hybrid flexibility in India (balance of in‑office collaboration and WFH). Offices in New York and Bangalore. - **Benefits (US)**: - Flexible time off, paid holidays, sick/personal/caregiver leave, parental leave - Medical, dental, vision, wellness perks, life insurance - 401k with employer match - Monthly transport allowance and work‑from‑home stipend - Company equity - **Benefits (India)**: - Annual check‑ups, telehealth, mental health support, nutrition counseling, pet care - Health, accident, disability, term life insurance - Paid vacation and regional holidays, parent leave - Hybrid flexibility - **Engineering culture**: 187 technical employees (14% of workforce); strong talent pipeline from Goldman Sachs, Stripe, Apple, Amazon. Focus on ownership and high‑velocity delivery. ## Sources 1. [onepay.com](https://www.onepay.com/) – Company website 2. [onepay.com/careers](https://www.onepay.com/careers) – Careers page (US and India benefits, culture) 3. [linkedin.com/company/joinonepay](https://www.linkedin.com/company/joinonepay) – LinkedIn profile (funding, headcount, history) 4. [builtin.com/company/one-0](https://builtin.com/company/one-0) – Built In company page (perks, offices, open roles) 5. [onepay.com/help-center/articles/what-is-onepay](https://www.onepay.com/help-center/articles/what-is-onepay) – Product overview and rebranding details ## Other roles at OnePay - [AEO/SEO Content Writer](https://feeny.ai/job/aeo-seo-content-writer-onepay-united-states-amjwn0zmtff2) — United States - [Product Manager, Pay Later](https://feeny.ai/job/product-manager-pay-later-onepay-united-states-pcdgdsy3t8b2) — United States - [Technical Program Manager, MarTech & Mobile Measurement](https://feeny.ai/job/technical-program-manager-martech-mobile-measurement-onepay-united-states-t527yd8xsv5r) — United States - [Software Engineer, Banking](https://feeny.ai/job/software-engineer-banking-onepay-united-states-r95e9kyz89sf) — United States - [Security Automation Engineer](https://feeny.ai/job/security-automation-engineer-onepay-united-states-gscx0p5k8q5w) — United States - [Talent Operations Coordinator](https://feeny.ai/job/talent-operations-coordinator-onepay-bengaluru-0tceanvt7v6w) — Bengaluru, India - [Product Manager, Credit Card](https://feeny.ai/job/product-manager-credit-card-onepay-united-states-9gw1txvws8ry) — United States - [Creator Marketing Manager](https://feeny.ai/job/creator-marketing-manager-onepay-united-states-8ajbfh9w27qj) — United States - [Procurement & Sourcing Manager](https://feeny.ai/job/procurement-sourcing-manager-onepay-united-states-3cjnwj1rdyqd) — United States - [Quality Platform Engineer](https://feeny.ai/job/quality-platform-engineer-onepay-united-states-detaa5m1bh9j) — United States