job specification

*Native/Bilingual English is required for this role (read/written/spoken)

Please upload your CV Resume in English.

Monthly salary: $4,000 USD

The backend serves both a consumer-facing onboarding app and an internal admin operations dashboard.

Current Backend Stack:

• GraphQL API server (single endpoint) likely built with NestJS + TypeGraphQL or similar Node.js/TypeScript framework
• AWS Cognito for user authentication (SRP protocol, email + phone login, token refresh)
• PostgreSQL database with relational schema (users, payments, vehicle loans, agreements, stage transitions)
• Hosted on AWS (us-east-1 region)
• Integrations: Plaid (bank linking), ACH payment processor, KYC/identity verification, PDF generation, e-sign

Backend Responsibilities:

• 30+ GraphQL queries and 20+ mutations covering user lifecycle, payments, onboarding, and financial reporting
• Multi-stage onboarding pipeline (11 stages):
• signup → identity → bank link → cash flow → admin review → approval → micro-deposits → auto loan link → disclosure → payment setup → active
• Payment scheduling, debt collection, refund processing
• FBO (For Benefit Of) sub-ledger tracking
• Credit line management and daily contribution calculations

Required Skills:

• TypeScript / Node.js primary language
• GraphQL schema design, resolvers, input validation (NestJS GraphQL module or Apollo Server)
• PostgreSQL complex queries, migrations, enum types, indexing
• AWS Cognito (SRP auth protocol), deployment (ECS / Lambda / AppSync)
• Plaid API Link tokens, bank account verification, micro-deposits
• ACH / Payment processing understanding of payment lifecycles, failed payment handling, refund flows (currently using Spinwheel.io)

Preferred Experience:

• Fintech or payments industry background
• FBO accounting / sub-ledger reconciliation
• KYC / AML compliance workflows
• E-sign / digital agreement flows
• Multi-channel communications (SMS via Twilio, email via Resend)

Scope of Work:

• Along with our partner, we are seeking someone to quickly modify and rewrite the onboarding process to reduce friction and delays. You will implement new features through the Plaid API and other onboarding processes to eliminate drop-off and improve customer experience.

Benefits:

• A fully remote position with a structured schedule that supports work-life balance.
• The opportunity to build core systems at a fast-growing fintech company.
• Two weeks of paid vacation per year.
• 10 paid days for local holidays

*Please note our partner is only looking for full-time dedicated team members who are eager to fully integrate within their team.