Senior Fullstack Developer, Originations

Job not on LinkedIn

🔥 0 minutes ago

🌐 United States, Brazil, +2 more countries – Remote

🇺🇸 United States – Remote 🇧🇷 Brazil – Remote 🇲🇽 Mexico – Remote 🇨🇦 Canada – Remote

💵 $80k - $95k / year

⏰ Full Time

🟠 Senior

🧑‍💻 Full-stack Engineer

🦅 H1B Visa Sponsor

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Scratch Financial

WebsiteLinkedInAll Job Openings

11 - 50 employees

🏥 Healthcare

🛡️ Insurance

💸 Finance

Healthcare • Insurance • Finance

Scratch Financial is a company that provides simple and transparent payment plans for medical financing. They offer easy and friendly payment options with no prepayment penalty and no deferred interest, aiming to make financing accessible without affecting the borrower's credit score. Scratch Financial supports borrowers with plans ranging from $200 to $10,000, with terms between 12 to 36 months. They ensure high approval rates and affordable rates, making it easy for customers to manage their finances for medical needs. The company operates by offering plans in both the US and Canada, with loans serviced by WebBank in the US.

📋 Description

• Architect, discuss, design, and implement systems within the Scratch ecosystem, including application processes, risk assessments, payment processing, public-facing APIs, and event-based integrations • Write clean, maintainable code across backend services and frontend components supporting the lending business and third-party integrations • Improve overall quality and test coverage through end-to-end testing • Grow and improve Continuous Integration and Continuous Delivery pipelines • Participate in daily stand-ups, sprint planning, code reviews, and agile team collaboration • Surface potential blockers and architectural issues • Own incident response and debugging for personal code and shared services • Participate in post-mortem reviews • Stay current on best practices and industry trends • Translate product requirements into implementation plans and working code • Leverage automated test coverage and AI-assisted development

🎯 Requirements

• Available to work from UTC-3 to UTC-8 timezones • Fluency in English is required • 5+ years of professional experience as a software engineer • Strong backend skills using Node.js and TypeScript • Experience developing RESTful APIs • Frontend experience using React • Proficiency with HTML, CSS, and JavaScript • Practical knowledge of SQL and NoSQL databases, including MySQL, PostgreSQL, Firestore, and Redis • Experience working in domain-based monorepos with independently deployable backend services • Familiarity with cloud infrastructure best practices • Ability to switch between languages and frameworks • Familiarity with Agile and Scrum processes • Ability to collaborate cross-functionally with product and engineering stakeholders • Excellent problem-solving skills, clear communication, and proactive initiative • Nice to have: Google Cloud Platform, CI/CD, Kubernetes, and Docker • Nice to have: PHP and/or Golang • Nice to have: risk modeling and underwriting experience • Nice to have: payment processing solutions experience • Nice to have: ML model experience • Nice to have: QA tooling experience with Playwright, Cypress, or Selenium

🏖️ Benefits

• Unlimited PTO • Covered healthcare • 401k match • Cell plan reimbursement • Monthly recognition opportunities • Learning platforms and resources • Equity retention policy • Generous parental leave • Office space in Pasadena stocked with snacks and various beverages • Remote-first work flexibility