---
title: 'Senior Backend Engineer at Copilot Money'
canonical: 'https://feeny.ai/job/senior-backend-engineer-copilot-money-santiago-jxvczma3engx'
type: 'job'
last_seen: '2026-09-06'
---

# Senior Backend Engineer at Copilot Money

- **Company:** Copilot Money
- **Location:** Santiago, Chile
- **Employment:** full-time
- **Work type:** hybrid
- **Posted:** 2026-02-05
- **Last confirmed live:** 2026-09-06
- **Apply:** https://jobs.ashbyhq.com/copilot-money/9fb75c72-f22e-45ea-a0d2-0ef1a7641718

## Job description

## Who we are

We're a small team that believes providing access to better financial insights and tools improves people’s lives, so we’re taking money matters into our own hands.

Our product https://copilot.money is a personal finance management app for iOS and Mac that people actually love using https://twitter.com/copilotmoney. Copilot takes advantage of machine learning to deliver powerful, hyper-personalized finance data insights to help users effortlessly understand and manage their spending, budgeting, and investing. We also use crowdsourced feedback to continuously improve the experience.

## The Role

We’ve built a best-in-class app for iOS and Mac, and now we’ve expanded to Web and Android with the same high-quality user experience. To support this, we need robust backend APIs and infrastructure that can scale efficiently across platforms.

We’re looking for a Senior Backend Engineer to play a key role in designing and developing these backend systems. You’ll collaborate closely with Product and Design teams to scope, build, and optimize APIs and services that power Copilot across all platforms.

This is a hybrid position based in Santiago, Chile, you’ll be required to come into our office at least 2 times a week along with the rest of the team. We work from home the rest of the week, but the office is always available in case you want to make use of it more often.

## Your Responsibilities

- Design, build, and maintain backend services and APIs that support iOS, macOS, Android, and Web applications.
- Contribute to architecture and infrastructure discussions, recommending improvements to ensure scalability, security, and performance.
- Collaborate with Product and Client teams to translate requirements into technical solutions.
- Participate in code reviews, ensuring best practices and high-quality standards.
- Contribute to ongoing improvements in developer experience and system reliability.
- Support the team in technical decision-making and mentor junior engineers as needed.

Required Qualifications

- 5+ years of experience working on backend services.
- Strong proficiency in Node.js / JavaScript (TypeScript a plus)
- Experience with Google Cloud Platform
- Hands-on experience with API design and architecture for mobile and web applications.
- English proficiency — all meetings and internal communications are conducted in English.
- Team player who can manage time independently.
- Based in Santiago, Chile

Desired Qualifications

- Bachelor’s degree in Computer Science or equivalent.
- Experience with Firebase / Firestore, CI/CD systems, and monitoring tools.
- Familiarity with performance optimization, scalability, and alerting infrastructure.
- Prior exposure to mentoring or supporting peers in a collaborative engineering environment.

## Compensation and Benefits

- Monthly salary of CLP $3.300.000 - $3.800.000 (líquido).
- Equity in the company (Stock options).
- Home Office Setup.
- Complementary health insurance.
- Remote work allowance (CLP $50.000/month).
- Wellness allowance (CLP $85.000/month).
- We cover sick days that your health insurance doesn’t pay (usually the first 3 days of a medical leave).
- After 2 years in the company you get 5 extra vacation days, and 5 more after 4 years.
- Extra free day for your birthday 🥳 (you can take it any day of the month).
- 4 administrative days per year (non-accumulable).
- Annual company retreats.

Why should you work with us?

A product people love: Copilot users are extremely engaged with the app and are sharing it with their friends and family.

A team that cares: We’re a bunch of geeks who care about data quality and good coffee. We go the extra mile when it comes to making our users happy (and making an excellent pour-over).

Significant impact: We are currently a small, twenty-five-person team with big ambitions. Our team has previous experience at companies like Google and Apple.

Multicultural team: We’re based in NYC 🇺🇸 and in Santiago, Chile 🇨🇱.

Great company culture: You’ll work with a highly collaborative team that’s always learning and ready to help each other out.

At Copilot Money, we believe that diverse teams build better products. We strongly encourage applications from individuals of all backgrounds, regardless of race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status.

Join us in our mission to help the world stress less about money and create financial clarity for all!

## About Copilot Money

## Company Overview
- **One-liner**: Copilot Money builds a beautifully designed, privacy-focused personal finance app that helps users track spending, budgets, investments, and net worth across all their accounts.
- **Entity Type**: Private (Series A, $6M total funding)
- **Headquarters**: New York, New York, United States
- **Founded**: 2019
- **Founders**: Andres Ugarte (Founder & CEO)

## Core Business
- Primary industry: Personal finance software / Fintech
- Target customers: B2C – individuals seeking a smart, private, and delightful money management tool
- Mission statement: "Let's do money better" and "empower everyone to be in control of their money"

## Products & Services
- **Copilot Money App**: A subscription-based personal finance tracker available on iPhone, iPad, Mac, and Web. Features include automated transaction tagging (AI-powered), budgeting with rollovers, net worth tracking (including stocks, crypto, real estate), cash flow analysis, subscription spotting, and personalized recommendations. Pricing is $95/year ($7.92/month) with a free trial. [copilot.money](https://www.copilot.money/)
- **Savings Goals**: A feature allowing users to plan, track, and stay motivated toward savings targets. [linkedin.com](https://www.linkedin.com/company/copilotmoney)
- **Money Assistant (Beta)**: Launched in 2026 as an AI-powered assistant within the app. [linkedin.com](https://www.linkedin.com/company/copilotmoney)
- **Copilot Money MCP (Beta)**: A Model Context Protocol integration enabling external AI tools to interact with user financial data. [linkedin.com](https://www.linkedin.com/company/copilotmoney)

## Market Standing
- **Valuation/Market Cap**: Not publicly available
- **Key Metric**: Total funding of $6.0M (Series A led by Adjacent in March 2024; prior seed round in 2020 led by Restive) [linkedin.com](https://www.linkedin.com/company/copilotmoney)
- **Notable Investors/Partners**: Adjacent (lead Series A), Restive (lead non-equity assistance), and other undisclosed investors.
- **Growth Signals**: 200,000+ highly engaged users; headcount grew 39.3% year-over-year to 27 employees; launched web version in 2025 (previously iOS/Mac only); expanded team to Chile and Portugal; active hiring across engineering and design roles. [copilot.money/careers](https://www.copilot.money/careers) [linkedin.com](https://www.linkedin.com/company/copilotmoney)

## Competitive Advantages
- **Privacy-first**: No ads, no gimmicks, and no selling of user data. The company focuses entirely on building a great product.
- **Beautiful design**: Known for a well-crafted, delightful user experience that sets it apart from traditional budgeting apps.
- **AI-powered automation**: Automatically learns spending patterns and tags transactions, improving with use.
- **Comprehensive tracking**: Aggregates all accounts (bank, investments, crypto, real estate) in one screen with live estimates.
- **Strong user base**: 200,000+ very engaged users provide real-world feedback and product validation.

## Strategic Focus
- **Web expansion**: After two years of development, Copilot Money launched a web version to make the app universally accessible. [linkedin.com](https://www.linkedin.com/company/copilotmoney)
- **AI and automation**: Continued investment in AI features like the Money Assistant beta and MCP integration.
- **Product depth**: Introducing features like Savings Goals and improving budgeting, rollovers, and cash flow tools.
- **Team growth**: Actively hiring senior engineers and designers across New York and Santiago, with plans to scale the team further.

## Why Work Here
- **Equity for every team member**: All employees receive ownership in the company. [copilot.money/careers](https://www.copilot.money/careers)
- **Meaningful work**: Your work is used by 200,000+ engaged users who rely on the app daily.
- **Hybrid/remote flexibility**: In-person collaboration a few days a week; home office stipend provided. [copilot.money/careers](https://www.copilot.money/careers)
- **Competitive benefits**: 100% paid medical, dental, and vision (US employees); 401k matching (4%); wellness reimbursement; extra vacation days after tenure (5 extra after 2 years, 5 more after 4 years). [copilot.money/careers](https://www.copilot.money/careers)
- **Annual team offsites**: Recent offsite in Cancun for team bonding. [copilot.money/careers](https://www.copilot.money/careers)
- **Engineering culture**: Strong technical team with alumni from Apple, Stripe, Goldman Sachs; modern tech stack (Swift, TypeScript, React, Firebase, Cloudflare). [linkedin.com](https://www.linkedin.com/company/copilotmoney)
- **Global team**: Offices in New York (HQ) and Santiago, Chile, with remote presence in Portugal.

## Sources
1. [copilot.money/careers](https://www.copilot.money/careers)
2. [copilot.money/about](https://www.copilot.money/about)
3. [copilot.money](https://www.copilot.money/)
4. [builtin.com](https://builtin.com/company/copilot-money)
5. [linkedin.com](https://www.linkedin.com/company/copilotmoney)

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