Backend Software Engineer (Risk Team) - Virtual-First
Job Description
Key Skills Required
Master these to land this role
Want to know if you're a match for this job?
Dave is a financial app on a mission to build products that level the financial playing field. It redefines 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 underserved individuals.
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. The company 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 backend software engineer to play an instrumental role in building products that help millions of people improve their relationship with money. The Risk Team is responsible for real-time analytics to assess users' risk and behavior, validating the legitimacy of 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:
- 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
- Collaborate closely with product, operations, and infrastructure teams to build and scale backend services
- Regularly participate in code reviews and team functions
- Own end-to-end delivery of small to medium-sized projects from design through production
- Provide technical leadership and guide the team's overall technical direction
- Offer mentorship and pair with other engineers regularly
What You'll Need:
- A 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 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
Why You’ll Love Working Here:
At Dave, our people are just as important as our product. Our culture reflects values like member-centricity, helpfulness, transparency, persistence, and collaboration. Daves strive to create an environment where everyone feels valued, heard, and empowered. 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 top talent, and help millions 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 the year
How would you rate this job post?
See what other professionals think about this role.
Similar Opportunities
More Openings at Dave
Dave is a financial technology company that offers a range of services designed to help individuals manage their finances more effectively. With a focus on providing low-cost, user-friendly banking solutions, Dave has established itself as a leader in the fintech industry. The company's platform allows users to access a suite of financial tools, including budgeting, saving, and investing, all from a single, intuitive interface. By leveraging cutting-edge technology and a deep understanding of consumer financial needs, Dave aims to empower its users to take control of their financial lives and achieve greater stability and security. With a strong commitment to innovation and customer satisfaction, Dave is poised to continue making a significant impact in the financial services sector.
Safety First
- Never pay for a job application.
- Do not share sensitive bank info.
- Verify the client before starting work.