--- title: 'Senior Tech Generalist (Software Engineer) at Capchase' canonical: 'https://feeny.ai/job/senior-tech-generalist-software-engineer-capchase-spain-w0k160mcf8b1' type: 'job' last_seen: '2026-09-04' --- # Senior Tech Generalist (Software Engineer) at Capchase - **Company:** Capchase - **Location:** Spain - **Employment:** full-time - **Work type:** remote - **Posted:** 2026-03-12 - **Last confirmed live:** 2026-09-04 - **Apply:** https://jobs.ashbyhq.com/capchase/6c31e1e5-b1ca-4f39-8a95-30f12198d400 ## Job description Capchase is on a mission to transform how hardware and software companies sell and get paid, revolutionizing the equipment financing space. Recently named a 2026 Monitor Best Company in Innovation, we're recognized for embedding flexible payment terms directly into the sales workflow, helping teams close faster without the friction of a separate financing system. We're the modern platform for financing leading enterprise solutions: built for direct and channel sales motions, with $2B+ funded, approvals in seconds, and a seamless experience for both sellers and buyers. Backed by leading fintech investors including 01A, Thomvest, QED, SciFi, and Invesco, we've raised $700M+ in equity and debt to fuel our growth. In just over five years, we've scaled from four co-founders to 80+ Capchasers across 10 markets, supporting thousands of companies globally and processing billions in payment volume. Since our launch in 2020, we've achieved several milestones: ➡ 10K+ active vendors, channel partners and buyers 🙌 Built a team representing over 15 nationalities 🌎 Active in 10 markets 📈 Top decile YoY growth 👫 Built an awesome culture https://www.notion.so/9f798084322a4a719654b38ac108645a?pvs=21. In December 2024 we reached the top of the Installment Payment, BNPL category on G2 https://www.capchase.com/lp/g2-installment-payment-bnpl-software-report, #1 in B2B. Why work with us? Help accelerate an industry! At Capchase, we are transforming how software and tech-enabled hardware equipment gets financed, we move and innovate fast. We’re always looking for the brightest minds to join us. We’re a diverse team of 15+ nationalities with a shared passion for helping innovative companies thrive. Join the climb with us! As a Senior Tech Generalist, you’ll have real ownership across the stack—from building user-facing systems and internal tools to developing reliable backend services, designing scalable infrastructure, and working data to guide meaningful decisions. This role is for engineers who enjoy understanding systems end-to-end and want the freedom to choose the right tools for the problem. You won’t just implement requirements—you’ll help define what we build, why we build it, and how it evolves over time. If you’re excited by autonomy, pragmatic engineering, and seeing your work make a visible impact in a fast-moving team, this is a place where your contributions will matter from day one. ## WHAT YOU’LL DO - Build and Scale: Design, develop, and maintain end-to-end systems across frontend and backend, supporting both customer-facing workflows and internal backoffice operations. - Architect for Growth: Evolve our architecture to improve scalability, reliability, and security—making pragmatic tradeoffs that balance speed with long-term maintainability. - Own Core Financial Systems: Design and maintain the foundational systems that power our platform, including payment orchestration, ledger infrastructure, underwriting engines, reconciliation pipelines, and real-time deal tracking. These systems are business-critical and require strong guarantees around correctness, traceability, and auditability. - Integrate and Automate: Work with third-party financial APIs (e.g., Taktile, Modern Treasury, Kantox) to automate data ingestion, risk evaluation, and cash movement workflows. - Raise the Bar: Lead by example through thoughtful system design, high-quality code reviews, and mentorship—helping the team build clean, well-tested, and maintainable systems. - Operate with Impact: Design systems capable of handling increasing transaction volume and operational complexity, with strong observability and a focus on reliability in a financial domain ## WHO YOU ARE - Technical Excellence: You have 5+ years of experience building and shipping production-scale software. You are proficient in Typescript and Node.js, and can choose the right tool for the problem rather than sticking to a favorite. - Systems Thinker: You see patterns and abstractions across the stack, designing solutions that scale beyond a single use case. You anticipate future challenges and build systems with long-term reliability and maintainability in mind. - Pragmatic Problem-Solver: You focus on business impact over technical novelty. You are opinionated but flexible, and you know how to balance quality, speed, and simplicity. - Courageous Builder: You thrive in a remote-first, distributed environment. You handle ambiguity with grace, take ownership of outcomes, and sweat the details when it matters. ## BONUS POINTS - Experience in Fintech, credit risk modeling, or high-volume payment processing. - A background as a startup founder or early-stage engineer. - Familiarity with Kubernetes, BigQuery, or the Google Cloud Platform. - A passion for "tools for thought" and the work of computing pioneers like Alan Kay or Douglas Engelbart. WHY CAPCHASE? - High Standards, Low Ego: Work with the "brightest and most humble minds" in a culture of "intellectual humility". - Impact at Scale: Your work will directly empower thousands of founders to build the "fintechs of tomorrow". - Remote-First Autonomy: We prioritize deep work and trust our team to manage their own time and impact. We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, colour, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. ## About Capchase ## Company Overview - **One-liner**: Capchase provides a modern vendor financing platform for B2B software, cloud, and hardware companies, enabling flexible payment terms and instant upfront payment. - **Entity Type**: Private (Series B; $80M Series B in 2022, $125M Series A in 2021, plus a $200M+ incremental fundraise in 2024) - **Headquarters**: New York, NY, USA (with offices in Madrid, Barcelona, and San Francisco) - **Founded**: 2020 - **Founders**: Przemek Gotfryd, Miguel Fernandez, Luis Basagoiti, Guli Moreno ## Core Business - Primary industry: Fintech / B2B Payments & Financing - Target customers: B2B software vendors, resellers, OEMs, and enterprise buyers (mid-market to Fortune 500) - Mission: "To help SaaS companies grow faster by accessing revenue earlier and more predictably" and to "fix the friction at the point of sale in B2B software." ## Products & Services - **Capchase Pay (Buy Now, Pay Later for B2B)**: A financing product that lets vendors offer flexible payment terms to their customers while getting paid upfront. Includes loan servicing, automated billing, and seamless checkout. - **Instant Underwriting & Offers**: AI-powered credit assessment that approves 97% of applications within 30 seconds, integrated directly into CRM workflows (Salesforce). - **Multi-Party Deal Management**: Platform for configuring deals, managing quotes, upsells, renewals, and automates document creation and disbursements across vendors, buyers, and channel partners. - **Vendor Financing Infrastructure**: Combines lending (balance sheet) with software technology, acting as both lender and lender infrastructure — a unique dual role in the market. ## Market Standing - **Valuation/Market Cap**: Not publicly disclosed (conflicting reports: listed as "Next Billion Dollar Startup" by Forbes in 2024, but no specific valuation figure available) - **Key Metric**: Over $2.5 billion in total financing volume powered as of 2025 (mentioned on Built In); $2B+ cited on homepage - **Notable Investors/Partners**: Backed by leading fintech investors (specific names not detailed in search results); enterprise partners include Palo Alto Networks, Barracuda, CDW, Insight, Verkada, and Motive - **Growth Signals**: - Secured $200M+ in incremental funding in 2024 to scale AI-native financing infrastructure - Expanded to 9 countries (US, Canada, UK, Ireland, Spain, Finland, Belgium, Netherlands, Sweden) - Surpassed 2,000 active vendors and buyers - #1 in B2B Installment Payments & Buy Now, Pay Later on G2 - 30-40% increase in deal win rates for vendors; 45% increase in average order value - 100% of vendors paid on time and in full in 2025 ## Competitive Advantages - **Dual Role as Lender & Technology Provider**: Unlike banks (slow processes) or pure SaaS fintechs (no balance sheet), Capchase both lends directly and provides the lending infrastructure — a rare combination. - **AI-Native Underwriting**: 97% of applications approved in under 30 seconds using publicly available data and CRM data. - **Salesforce Embedded**: Credit checks, quote generation, and loan documents can be executed without leaving the CRM, reducing friction for sales teams. - **Proven Enterprise Adoption**: Trusted by major tech companies like Palo Alto Networks, CDW, and Insight, demonstrating scalability and reliability. ## Strategic Focus - Scaling AI-native financing infrastructure to serve Fortune 500 enterprise tech companies. - Expanding geographic reach (currently 9 countries) and deepening partner ecosystem. - Continuing to automate and streamline the entire deal lifecycle — from underwriting to disbursement to collections. - Growing the "Agentic Lending Coordinator" capability to serve large, complex multi-party deals. ## Why Work Here - **Culture**: Described as a diverse team of 15+ nationalities with a builder attitude, service mindset, and courageous spirit. Emphasis on innovation, doing the right thing, and open-minded collaboration. - **Work Model**: Hybrid workspace. In New York office, team comes in at least 3 days a week; remote flexibility exists across roles and locations. - **Offices**: New York (HQ), Madrid, Barcelona, San Francisco — giving employees geographic flexibility. - **Growth Trajectory**: Fast-growing fintech startup with $2.5B+ in financing volume, recent large fundraise, and consistent expansion — ideal for those wanting impact in a high-growth environment. - **Tech Stack**: Built with modern tools; uses Salesforce CRM; engineering team of ~30 product + tech employees (total ~80 employees). ## Sources 1. [capchase.com/careers](https://www.capchase.com/careers) 2. [capchase.com/about](https://www.capchase.com/about) 3. [capchase.com](https://www.capchase.com/) 4. [builtin.com/company/capchase](https://builtin.com/company/capchase) 5. [cbinsights.com/company/capchase](https://www.cbinsights.com/company/capchase) ## Other roles at Capchase - [Director of Credit](https://feeny.ai/job/director-of-credit-capchase-united-states-psjv20an3r0k) — United States - [Underwriter](https://feeny.ai/job/underwriter-capchase-pakistan-e8t329s1sc6n) — Pakistan - [Enterprise BDR](https://feeny.ai/job/enterprise-bdr-capchase-dallas-8784yq0ymhcz) — Dallas, TX - [Capital Markets Manager](https://feeny.ai/job/capital-markets-manager-capchase-pakistan-kt7dv05qawj3) — Pakistan - [Account Executive](https://feeny.ai/job/account-executive-capchase-united-states-7fs18h2x93w2) — United States