Senior Backend Engineer
Chexy
Software Engineering
United States · Toronto, ON, Canada · Remote
Posted on Sep 9, 2025
Senior Backend Engineer @ Chexy
At Chexy, we're reimagining how Canadians manage their largest expenses—like rent, tuition, and insurance—by transforming them into opportunities to build credit, earn rewards, and gain financial flexibility.
We're the first platform in Canada that lets users pay nearly any bill using their credit card or bank account, while unlocking meaningful benefits like cashback, points, and credit-building tools. With $1B+ in annual payment volume and a fast-growing user base, we're building critical financial infrastructure that requires robust, scalable backend systems.
About the Role
We're looking for a Senior Backend Engineer with deep fintech experience to join our core engineering team. You'll be responsible for building and scaling the critical payment infrastructure, ledger systems, and financial APIs that power our platform. This is a backend-focused role where you'll work on high-stakes financial systems processing millions of dollars in transactions daily.
You'll work closely with our CTO and engineering team to architect reliable, compliant, and scalable financial systems that our users depend on for their most important payments.
In this role, you’ll:
- Build and scale backend services using NestJS and TypeScript on Google Cloud Platform
- Design and maintain robust ledger systems and financial data models using Google Cloud SQL and PostgreSQL
- Architect and optimize payment processing pipelines handling large transaction volumes
- Integrate with financial APIs, payment processors, and banking systems while ensuring PCI compliance
- Build resilient microservices with PubSub for event-driven architecture
- Manage infrastructure as code using Terraform and GCP services
- Own critical financial systems end-to-end, from design to production monitoring
- Collaborate with product and compliance teams to ship secure, compliant financial features
You’re someone who:
- Has 4+ years of backend engineering experience, with 2+ years in fintech or payments
- Is expert-level with NestJS/Node.js and TypeScript for building production APIs
- Has hands-on experience with ledger systems, double-entry bookkeeping, or financial data modeling
- Has scaled backend systems handling high transaction volumes (millions of transactions/month)
- Is proficient with PostgreSQL, database optimization, and Google Cloud Platform
- Has experience with payment processing, financial APIs, and regulatory compliance (PCI, SOC 2, etc.)
- Brings strong ownership to critical systems and thrives in a high-stakes fintech environment
- Communicates clearly about complex technical and financial concepts
Required experience:
- Fintech/payments industry experience with large-scale transaction processing
- Ledger systems or accounting system development
- Financial API integrations (payment processors, banks, card networks)
- Database design for financial systems and audit trails
- GCP services (Cloud SQL, PubSub, Cloud Run, etc.)
Nice-to-haves:
- Experience with Terraform for infrastructure management
- PCI DSS compliance and security framework experience
- Real-time payment systems or instant settlement experience
- Previous experience at high-growth fintech companies
- Open banking or financial data aggregation experience
Why Join Chexy?
💥 Build products with a real-world financial impact for thousands of Canadians
💬 Join a tight-knit team where your voice is heard and your work is valued
📈 Access early equity in a growing, high-upside fintech company
🛠 Learn fast with exposure to real users, high-stakes systems, and product ownership
🌈 We’re a proudly inclusive team and welcome engineers from all backgrounds
📍 Hybrid in-office role – 3 days/week in our Toronto office
How We Hire
We keep our hiring process clear and human. You’ll go through a mix of conversational interviews and technical assessments designed to showcase your strengths. We care more about how you think and collaborate than memorized algorithms—and we make sure there’s space for your questions too.
Chexy is an equal opportunity employer. If you require any accommodations or support during the hiring process, let us know and we’ll do our best to help.