Senior Software Engineer, Backend

Dave is a financial app on a mission to build products that level the financial playing field. It is redefining the financial landscape by leveraging technology to create an affordable, transparent, and user-centric access to liquidity for millions of Americans. As a leading innovator in the U.S. financial services sector, Dave’s digital financial platform offers products designed to meet the credit needs of those underserved by traditional financial institutions. Dave’s offerings include its flagship ExtraCash product, providing members up to $500 within minutes. The company is on track to launch several new product offerings in 2026, including a Buy Now Pay Later (BNPL) option.

Dave is focused on serving Americans who are financially vulnerable or living paycheck to paycheck. Dave is leading the charge in creating a new era of credit products that prioritizes speed, affordability, and accessibility, making it the go-to financial partner for those who need it most.

Team Overview

Dave is looking for a talented engineer to play an instrumental role in building products that help millions of people improve their relationship with money. We're looking for a passionate software engineer interested in backend development. If you're excited to join a tight-knit, collaborative team with a mission to help others, we'd love to hear from you.

Risk is a critical part of Dave's platform-centric teams, providing real-time analytics to assess users' risk and behavior. Risk is also responsible for validating the legitimacy of our users' identities and actions. The team builds and operates event-driven, asynchronous decisioning systems that need to be fast, resilient, and auditable at scale.

What You'll Do:

• We're looking for talented engineers to play an instrumental role in building products that help millions of people

• Design and build backend services in TypeScript for real-time and asynchronous risk decisioning

• Build and maintain event-driven workflows using queues, pub/sub, and cloud task infrastructure

• Design and implement state machines to model multi-step decisioning and verification flows

• Work closely with product, operations, and infrastructure to build and scale backend services

• Regularly participate in code reviews and other team functions

• Own end-to-end delivery of small to medium-sized projects from design through production

• Provide technical leadership and help guide the team's overall technical direction

• Offer mentorship and pair with other engineers regularly

What You'll Need:

• Bachelor's degree in Computer Science, a related field, or equivalent practical experience

• 5+ years of experience in software development

• Hands-on experience with event-driven architecture (message queues, pub/sub, or similar)

• Experience with cloud task/job scheduling systems (e.g., Cloud Tasks, SQS, Celery, or equivalent)

• Experience designing or implementing state machines for multi-step workflows

• Strong CS fundamentals and problem-solving skills

• Proven ability to work as part of a team

• Experience programming in TypeScript/JavaScript (Node.js) or similar experience in Java, Python, C/C++, or Go

• Experience with MySQL, and Google Cloud Platform

• Effective communication skills, a positive attitude, and ability to give and receive constructive feedback

• The ability to discuss and explain system architecture and design

• Comfortable using AI tools as part of your engineering workflow, with sound judgment about when to rely on them and when not to

Don’t let imposter syndrome get in the way of an incredible opportunity. We’re looking for people who can help us achieve our mission and vision, not just check off the boxes. If you’re excited about this role, we encourage you to apply. You may just be the right candidate for this or other roles.

Why you’ll love working here: 

At Dave, our people are just as important as our product. Our culture reflects the values that guide who we are, how we work, and what we aspire to be. Daves are member-centric, helpful, transparent, persistent, and better together. We strive to create an environment where all Daves feel valued, heard, and empowered to do their best work. As a virtual-first company, team members can live and work anywhere in the United States, except Hawaii. 

A few of our benefits & perks:

💚 Opportunity to tackle tough challenges, learn and grow from fellow top talent, and help millions of people reach their personal financial goals

💻 Flexible hours and virtual-first work culture with a home office stipend

🏥 Premium Medical, Dental, and Vision Insurance plans

👶 Generous paid parental and caregiver leave

💰 401(k) savings plan with matching contributions

📈 Financial advisor and financial wellness support

🏖️ Flexible PTO and generous company holidays, including Juneteenth and Winter Break

🎉 All-company in-person events once or twice a year and virtual events throughout to connect with your team members and leadership team

Dave Operating LLC is proud to be an Equal Employment Opportunity employer and is dedicated to cultivating a diverse and inclusive workplace. We will consider for employment all qualified applicants and do not discriminate on any basis protected by federal, state, or local law, including the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance relating to an applicant's criminal history.

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