---
title: 'Senior Backend Engineer at Kiwi Financial Inc'
canonical: 'https://feeny.ai/job/senior-backend-engineer-kiwi-financial-inc-colombia-wxnjn8dyfxa7'
type: 'job'
last_seen: '2026-10-15'
---

# Senior Backend Engineer at Kiwi Financial Inc

- **Company:** Kiwi Financial Inc
- **Location:** Colombia
- **Employment:** full-time
- **Work type:** remote
- **Posted:** 2026-09-30
- **Last confirmed live:** 2026-10-15
- **Apply:** https://jobs.ashbyhq.com/kiwi/15b0e285-d1d8-4fb1-a95e-fe140c15535b

## Job description

Sr. Backend Engineer We are looking for a Senior Backend Engineer with strong experience designing, building, and evolving scalable, reliable, and secure backend systems. This is a hands-on engineering role for someone who goes beyond feature implementation. We are looking for an engineer with strong technical judgment who can understand complex systems end-to-end, contribute to architectural decisions, identify and address technical debt, and continuously improve the quality and maintainability of our platform. AI is becoming a core part of how we build software. We expect engineers to effectively use modern AI-assisted development tools while maintaining strong ownership and engineering judgment over the code and systems they deliver.

## Responsibilities

- Design, build, and evolve scalable backend services and APIs, primarily using Node.js, TypeScript, and Express.js.
- Own technical solutions end-to-end, from design and implementation through deployment, observability, and production support.
- Contribute to the evolution of our backend architecture and participate actively in architectural and technical design decisions.
- Identify, prioritize, and address technical debt, balancing long-term maintainability with product delivery.
- Apply solid software design principles and patterns, choosing appropriate solutions based on context and trade-offs rather than applying patterns by default.
- Design clear application boundaries and separation of concerns across services, business logic, and persistence layers.
- Design and optimize PostgreSQL schemas, queries, indexes, migrations, and transactional workflows.
- Build reliable financial workflows with appropriate strategies for idempotency, concurrency, consistency, retries, failure handling, and reconciliation.
- Design and maintain REST APIs and integrations with internal systems and external providers.
- Design asynchronous and event-driven workflows when appropriate.
- Build systems with strong principles around reliability, scalability, resilience, security, and performance.
- Work with AWS infrastructure and cloud services as part of developing and operating production systems.
- Improve production visibility through structured logging, metrics, tracing, monitoring, and alerting.
- Investigate complex production incidents, perform root-cause analysis, and implement sustainable solutions rather than temporary fixes.
- Maintain high engineering quality through automated testing, code reviews, documentation, and continuous refactoring.
- Use AI-assisted engineering tools to improve development speed, testing, debugging, code review, and engineering productivity while maintaining human ownership of technical decisions.
- Challenge existing technical decisions constructively and help continuously improve our engineering standards.
- Share knowledge and contribute to strengthening the technical capabilities of the engineering team.
- Collaborate closely with Product, QA, Data, Platform, and other engineers to translate business requirements into robust technical solutions.

## Requirements

- 8+ years of professional backend engineering experience, with significant experience building and operating production systems.
- Strong hands-on experience with Node.js and TypeScript in production environments.
- Experience with Express.js or comparable backend frameworks.
- Experience with Python and familiarity with backend frameworks such as FastAPI, Django, or similar is highly valued.
- Strong knowledge of software architecture, design principles, and design patterns, including their trade-offs and appropriate use cases.
- Strong understanding of relational databases and PostgreSQL, including data modeling, transactions, indexing, query optimization, migrations, and performance.
- Experience working with ORMs and persistence patterns, understanding both their benefits and limitations.
- Strong understanding of API design, authentication, authorization, versioning, security, and third-party integrations.
- Experience designing systems for failure scenarios, including retries, duplicate events, partial failures, race conditions, and external-service degradation.
- Solid understanding of distributed systems and asynchronous processing.
- Experience with automated testing at different levels, including unit, integration, and end-to-end testing.
- Production experience with AWS or comparable cloud infrastructure.
- Experience with CI/CD, containers, and modern software delivery practices.
- Strong understanding of observability and production troubleshooting.
- Ability to analyze architectural alternatives, identify trade-offs, and clearly explain technical decisions.
- Strong ownership, problem-solving, and communication skills.
- Ability to work autonomously on complex technical problems while collaborating effectively with the broader team.

## Nice to have

- Experience in fintech, payments, lending, banking, or other highly transactional environments.
- Experience building systems where financial correctness and data integrity are critical.
- Experience with event-driven architectures, queues, messaging systems, and asynchronous processing.
- Experience with AWS services such as Lambda, ECS/EKS, SQS, SNS, EventBridge, RDS, S3, and CloudWatch.
- Experience with Infrastructure as Code, such as Terraform or CloudFormation.
- Experience with high-volume transactional systems and distributed architectures.
- Experience implementing idempotency, outbox patterns, concurrency control, reconciliation processes, and fault-tolerant workflows.
- Experience with observability platforms such as Datadog, Sentry, or similar tools.
- Familiarity with DDD, Clean Architecture, Hexagonal Architecture, or similar architectural approaches — with the ability to understand when they are useful and when they add unnecessary complexity.
- Experience using modern AI coding assistants, agents, and AI-native development workflows.
- Familiarity with LLMs, tool calling, MCP, agentic workflows, or AI integrations is a plus, but AI specialization is not required.

## What we offer

- The opportunity to work on critical financial products with direct impact on customers and business growth.
- High technical ownership and the opportunity to influence how our backend platform evolves.
- Meaningful architecture, scalability, reliability, and technical-debt challenges.
- An engineering environment where AI is becoming a core part of how we build software.
- A collaborative multidisciplinary team across Engineering, Product, Design, QA, Data, and Platform.
- 100% remote — Argentina or Colombia.

[Apply now](https://www.kiwicredito.com/en-us/careers?ashby_jid=15b0e285-d1d8-4fb1-a95e-fe140c15535b&utm_source=Linkedin)

## About Kiwi Financial Inc

## Company Overview
- **One-liner**: Kiwi Financial (Kiwi) is a digital fintech platform that provides personal loans and credit-building tools specifically designed for U.S. Hispanic consumers with limited or no credit history.
- **Entity Type**: Private (funding stage: Series A + debt facilities)
- **Headquarters**: San Juan, Puerto Rico (with additional offices in New York, NY)
- **Founded**: 2020
- **Founders**: Mariano Sanz and Alexander Schachter

## Core Business
- **Primary industry**: Consumer Finance / Fintech
- **Target customers**: B2C – U.S. Hispanic consumers who are underbanked or have thin credit files
- **Mission**: To empower Latinos by providing tools and resources to establish credit, access capital, and save money.

## Products & Services
- **[Kiwi Personal Loans]**: Unsecured personal loans up to $3,000 with flexible installment payments. The application and account management are 100% digital. Payments are reported to all three major credit bureaus (TransUnion, Experian, Equifax), helping customers build credit history. The platform uses 256-bit SSL encryption for security. [kiwicredito.com](https://www.kiwicredito.com/en)

## Market Standing
- **Valuation/Market Cap**: Not disclosed (private company)
- **Key Metric**: Total funding of **$190.93M**, including a $100M credit facility from Community Investment Management (CIM) closed in November 2025, a $7.8M Series A co-led by LIP Ventures Boutique and Advent-Morro Equity Partners in June 2025, and earlier seed rounds totaling $8M. [cbinsights.com](https://www.cbinsights.com/company/kiwi-financial)
- **Notable Investors/Partners**: Community Investment Management (CIM), Advent-Morro Equity Partners, Neer Venture Partners, Independent Capital, Invariantes Fund, LIP Ventures Boutique.
- **Growth Signals**: Served over **100,000 consumers** to date; headcount grew **+20.7% YoY** (conflicting reports: LinkedIn shows ~59 employees, Built In shows 101); expanding into additional U.S. states; planning to launch new products (savings, spending tools); partnership with CIM signals strong institutional confidence. [linkedin.com](https://www.linkedin.com/company/kiwi-credito) [builtin.com](https://builtin.com/company/kiwi-kiwicreditocom)

## Competitive Advantages
- **Niche focus**: Exclusively targets the U.S. Latino market, which represents nearly 20% of the U.S. population and contributes over $4 trillion to the economy annually, yet remains vastly underserved by mainstream banks.
- **AI-driven underwriting**: Uses alternative data and AI to evaluate creditworthiness for consumers with no traditional credit history, enabling approvals where others decline.
- **Credit building**: Reports loan payments to all three credit bureaus, directly helping customers establish a credit score while accessing capital.
- **Proven playbook**: Founders adapted successful credit-building models from emerging markets (Dominican Republic) to the U.S. Hispanic demographic.

## Strategic Focus
- **Geographic expansion**: Entering new U.S. states to reach more underserved communities.
- **Product expansion**: Building a full financial platform beyond loans – including savings and spending tools – to deepen customer engagement and economic mobility.
- **AI infrastructure**: Scaling AI capabilities to improve underwriting, customer experience, and operational efficiency (evidenced by active hiring for Senior AI Platform Engineer roles). [jobs.ashbyhq.com](https://jobs.ashbyhq.com/kiwi)

## Why Work Here
- **Mission-driven**: Opportunity to work on financial inclusion for a fast-growing, underserved demographic with tangible social impact.
- **Remote-friendly**: Offers remote work options with physical offices in New York, NY (onsite) and San Juan, Puerto Rico. Employees are distributed across 8 countries (Colombia, Dominican Republic, Argentina, Mexico, Puerto Rico, etc.).
- **Engineering culture**: Emphasis on AI, platform engineering, and data science; active hiring for senior technical roles (Senior Platform Engineer, Senior AI Platform Engineer).
- **Growth trajectory**: Young company (founded 2020) with strong funding, rapid headcount growth, and clear product roadmap – ideal for those seeking high-impact roles in a scaling fintech.
- **Diverse team**: Multicultural workforce with leadership from Dominican Republic, Argentina, and Puerto Rico; talent sourced from companies like Mercado Libre, Scotiabank, and Platzi.

## Sources
1. [kiwicredito.com](https://www.kiwicredito.com/en) – Company website (product details, mission)
2. [cbinsights.com](https://www.cbinsights.com/company/kiwi-financial) – Funding history, headquarters, investors
3. [builtin.com](https://builtin.com/company/kiwi-kiwicreditocom) – Careers, culture, headcount, office locations
4. [linkedin.com](https://www.linkedin.com/company/kiwi-credito) – Employee count, growth, recent hires, locations
5. [jobs.ashbyhq.com](https://jobs.ashbyhq.com/kiwi) – Active job postings (Senior AI Platform Engineer, etc.)

## Other roles at Kiwi Financial Inc

- [Customer Support Agent](https://feeny.ai/job/customer-support-agent-kiwi-financial-inc-santo-domingo-zt6448tet80t) — Santo Domingo, Dominican Republic
- [Credit Risk Data Engineer](https://feeny.ai/job/credit-risk-data-engineer-kiwi-financial-inc-santo-domingo-fmjnmeg0eq4w) — Santo Domingo, Dominican Republic
- [Engineering Lead (Credit Risk)](https://feeny.ai/job/engineering-lead-credit-risk-kiwi-financial-inc-argentina-trqy090b8hbk) — Argentina
- [Product Manager](https://feeny.ai/job/product-manager-kiwi-financial-inc-argentina-wabnv422c325) — Argentina
- [Product Analyst](https://feeny.ai/job/product-analyst-kiwi-financial-inc-argentina-7zar9t2yede9) — Argentina
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