Sr Software Engineer (Lending)

Come Make an Impact on Millions of Brazilians!

At RecargaPay, we’re on a mission to deliver the best payment experience for Brazilian consumers and small businesses — by building a powerful digital ecosystem where the banked and unbanked connect, and where consumers and merchants have a one-stop shop for all their financial needs.

We serve over 10 million users and process more than USD 4 billion annually. We’ve been profitable since 2022 and operate our own credit business. We are an AI-first, 100% remote team, scaling in the rapidly changing Brazilian financial market.

Our goal? Deliver the best payment experience in Brazil for people and small businesses alike.

We value autonomy, ownership, and a bias for action. We’re looking for people who are curious, hands-on, and driven by impact — who want to solve real problems, work with strong teams, and rethink what’s possible.

If you’re ready to do your best work, at scale, with purpose — this is your place.

Responsibilities

As a Software Engineer, you will play a critical role in the success of a constantly and fast-paced growing company. You will be designing, developing, and maintaining robust and scalable systems that support the company’s financial services, ensuring seamless operations and an excellent user experience. In a competitive and fast-paced industry, this team drives innovation by implementing secure, reliable, and cutting-edge solutions to meet evolving customer needs.

• Write well designed, testable, efficient code by using best software development practices.
• Contribute in all phases of the development lifecycle.
• Support continuous improvement by investigating alternatives and technologies and presenting these for architectural review.
• Proposes initial technical implementation which supports architectural changes that solve scaling and performance problems.
• Work with version control using GitHub, conflict resolution, and automation of continuous integration processes.
• Create and maintain software documentation.

Requirements

• Academic background oriented toward computer science, engineering, or software development disciplines.
• Experience hands-on engineering roles.
• Experience to deal with medium domains with medium/high complexity.
• A solid understanding of how web applications work including security, session. management, and best development practices.
• Knowledge of relational database systems and Object Oriented Programming.
• Knowledge in Domain Driven Design. Knowing Microservice Architecture is a plus.
• Ability to work and thrive in a fast-paced environment, learn rapidly and master diverse web technologies and techniques.
• Proven ability to design complex distributed applications built for high performance and throughput while being scalable and reliable.
• Development using Java, Spring Boot, PostgreSQL, Kafka and AWS.
• Experience with asynchronous programming.
• Demonstrated experience profiling and performance tuning Java applications, and using monitoring tools for production application monitoring.
• Practical experience applying AI frameworks in development project.

Soft Skills

• Strong communication and collaboration skills, with the ability to work closely with cross-functional teams including Chapters Engineering, Architecture, Infrastructure and Mobile Engineering.
• Proactive mindset with a sense of ownership and accountability for delivering high-quality, user-centric mobile experiences.
• Ability to mentor peers, share knowledge, and contribute to a culture of continuous improvement and technical excellence.
• Flexibility and adaptability in a fast-changing environment, with openness to feedback and eagerness to learn.
• Alignment with company values: ownership, excellence, adaptability, and innovation.

Industry-Specific Knowledge

It is desirable to have practical familiarity with one or more core financial domains such as lending, payments, credit cards, open finance, fraud prevention, merchant acquiring, or investment services, along with an understanding of their fundamental workflows and business drivers. Experience in how these domains intersect to influence revenue, risk management, and customer satisfaction is highly valued.

Ideally, candidates will have applied this knowledge to deliver solutions such as loan-origination engines with real-time decisioning; scalable payment-processing platforms integrated with core banking systems and third-party gateways; secure open-finance interfaces compliant with industry regulations; automated fraud-detection pipelines leveraging behavioral analytics; or financial reporting and reconciliation engines for regulatory compliance. The ability to translate complex compliance mandates (e.g., KYC/AML, PCI-DSS, GDPR) into resilient, high-performance systems without compromising user experience is considered a strong asset.

Process Stages

1. HR Interview
Our first conversation will be a casual chat to get to know you, your background, and align expectations. We’ll conduct a brief technical evaluation and answer any questions you may have about the role, our culture, and what makes us unique. This is also an opportunity for you to learn more about us!

2. Assessment (Skills Mapping)
We use an evaluation tool to understand your work style and how you align with our culture. This step helps us identify how your skills can enhance our solutions.

3. Technical Assessment
Time to showcase your technical expertise! In this stage, you’ll work on technical challenges and have a discussion with our engineering team. We’ll explore your decisions, strategies, and how you design scalable and robust solutions. More than just an evaluation, this is a chance to exchange ideas and see how your solutions can impact RecargaPay!

4. Conversation with Leadership
At this stage, you’ll meet the squad leader to discuss the challenges of the role, gain insights into the team’s daily work, and ensure alignment between our goals, culture, and your career expectations. This is an open space to align expectations and make sure RecargaPay is the right place for you to grow and make an impact.

5. Offer
If we reach this stage together, we’ll be thrilled to invite you to join our team! You’ll receive a detailed offer with all the information about the role, benefits, and the impact you’ll have with us. We’re excited to welcome you aboard!

Note: An additional step may be included if specific alignments are needed.

Benefits

• Competitive and market-aligned salary.
• Remote work — wherever you are, you’re part of the team!
• Home office allowance through a monthly deposit in the RecargaPay app.
• Health and dental plans with no co-pay.
• Life insurance.
• Flexible meal allowance (via Flash).
• TotalPass membership to take care of your health.
• Spanish or Portuguese classes.

Diversity & Inclusion at RecargaPay
At RecargaPay, you’ll have the freedom to be who you are because we believe that diverse perspectives and experiences make us more creative and stronger. Here, everyone is welcome to express themselves authentically. We value the richness of each journey and the multiple ways of seeing the world, without distinctions of gender, race, sexual orientation, age, religion, or any other characteristic that makes us unique.

About the use of your Data
By sharing your resume with us, you authorize the use of your data for analysis during the selection process and possibly for other opportunities within the RecargaPay group. You can request the update or deletion of your information at any time, in accordance with LGPD (General Data Protection Law).