Staff Engineer/Tech Lead, Embedded Finance – Card Issuing, AI Adoption

🔥 3 hours ago

🌐 United Kingdom, Poland, +5 more countries – Remote

🇬🇧 United Kingdom – Remote 🇵🇱 Poland – Remote 🇲🇾 Malaysia – Remote 🇵🇭 Philippines – Remote 🇷🇴 Romania – Remote 🇧🇬 Bulgaria – Remote 🇮🇪 Ireland – Remote

⏰ Full Time

🟠 Senior

🧑‍💻 Full-stack Engineer

👻 Ghost score 12%

What it means: how likely this posting is sitting open without active hiring.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

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Reap

WebsiteLinkedInAll Job Openings

201 - 500 employees

Founded 2018

💳 Fintech

₿ Crypto

🤝 B2B

Fintech • Crypto • B2B

Reap is a fintech company providing borderless, stablecoin-enabled financial infrastructure for businesses. It offers business accounts (Reap Direct), Visa corporate cards with fiat and stablecoin repayment, cross-border payments powered by stablecoins, expense management for multi-currency treasuries, and embedded finance APIs including card issuing and payment APIs to automate global fiat payouts and enable stablecoin-native finance.

📋 Description

• Define and drive the embedded finance platform technical roadmap, including scalability, architectural modernization, and technical debt resolution • Lead AI-assisted engineering adoption across Product Engineering teams • Develop AI-augmented workflows, LLM-assisted code review, and agentic automation for repetitive engineering processes • Work with Card Engineering Managers to align platform direction with product delivery and resolve technical dependencies • Provide hands-on technical guidance on complex engineering problems • Identify systemic engineering quality issues and develop plans to address them • Serve as a technical anchor for senior engineers through design reviews, standards, and mentoring • Lead architecture reviews and modernization of embedded finance systems, including service boundaries, data models, API contracts, and event flows • Identify and resolve scalability bottlenecks • Define reusable engineering patterns and standards • Drive platform initiatives from RFC through production delivery and stability • Audit, prioritize, and remediate technical debt alongside product delivery • Define AI-assisted software development standards, tooling, prompt patterns, and SDLC workflows • Track and report AI adoption signals across Product Engineering teams • Set standards for code quality, observability, testability, and reliability across the Card domain • Mentor Staff and Senior engineers and elevate the technical bar across teams

🎯 Requirements

• 8+ years of software engineering experience • Track record of technical leadership at Staff or Tech Lead level • Deep experience in distributed systems, API platform architecture, or financial infrastructure at scale • Ability to drive large, complex technical initiatives across multiple teams without direct authority • Strong systems thinking, including fault-tolerance, observability, data consistency, and performance at scale • Clear and compelling written and verbal communication; ability to write RFCs, lead design reviews, and present technical direction to engineering and executive audiences • Genuine interest in AI/LLM tooling and software engineering workflows • Hands-on experience with Claude Code, GitHub Copilot, Cursor, or similar AI-assisted development tools • Experience integrating AI-assisted development tools into engineering team workflows • Experience with TypeScript, Node.js, NestJS, and AWS • Nice to have: fintech, card issuing, payments, or API platform infrastructure experience • Nice to have: engineering metrics such as DORA, AI-augmented output, and platform reliability • Nice to have: card issuing/embedded finance product models and card network infrastructure such as Visa, Mastercard, or Thredd • Nice to have: technical uplift programs, tech debt reduction, test coverage improvements, or legacy system migrations • Nice to have: New Relic, Datadog, OpenTelemetry, and CI/CD automation familiarity

🏖️ Benefits

• High-ownership, high-impact role at the frontier of stablecoin-powered finance • Work directly with strategic partners and shape how Reap expands its financial ecosystem • Significant autonomy as Reap's technical owner of a key partnership • Join a high-caliber team across engineering, product, and operations • Use of AI tools at work, with space to learn, experiment, and grow • Culture of innovation, inclusion, and continuous learning