Credit Genie is a mobile-first financial wellness platform designed to help individuals take control of their financial future. We leverage artificial intelligence to provide personalized insights and are building a financial ecosystem by offering tools and services that provide instant access to cash, and building credit. Our goal is to empower every customer to achieve long-term financial stability.

Credit

Genie is a mobile-first financial wellness platform designed to help individuals take control of their financial future. We leverage artificial intelligence to provide personalized insights and are building a financial ecosystem by offering tools and services that provide instant access to cash, and building credit. Our goal is to empower every customer to achieve long-term financial stability.

PayPal, Square, and Cash App, we are well positioned to build the future of inclusive finance through cutting-edge technology and customer-centric solutions. As a Senior Backend Engineer on the Trust Platform team, you'll play a pivotal role in shaping the systems that safeguard and personalize our financial products. You'll design and build the core services that power fraud detection, authentication, decisioning, and customer data.

Design, Build, and Scale – Own backend systems end-to-end, from architecture to deployment, building high-performance, secure, and reusable services that product teams rely on to manage risk and deliver consistent customer experiences.

Greenfield

Development – Work on new capabilities from scratch - whether that's a next-generation fraud signal pipeline, a unified notifications service, or an intelligent decisioning layer - making foundational technical decisions that will shape our platform for years to come. Cross-Functional Collaboration – Partner with product, design, data science,



and adjacent engineering teams to build trust and safety features that balance rigorous risk management with a seamless user experience.

Technical

Leadership – Lead critical technical and design discussions across fraud detection, authentication, and customer data domains, driving best practices in system design, coding, testing, and DevOps. Customer-Focused Innovation – Scope, build, and optimize intelligent services that protect users from fraud while ensuring every interaction feels secure, personalized, and trustworthy. 5+ years of experience designing, building, and scaling high-performance backend systems in a fast-paced, high-growth environment. Comfortable working across multiple technical areas and collaborating with frontend/mobile teams.

Excited to take full ownership of projects, drive impact, and work cross-functionally with product, design, and engineering teams. Robust understanding of data privacy, compliance, and secure coding practices.

Experience with designing resilient and reliable systems that meet high security and regulatory standards. Our expectation is that employees are in the office five days a week, allowing for optimal collaboration, inclusivity, and productivity. We are committed to supporting our employees when circumstances arise that require remote work or adjusted schedules.

Our goal is to ensure everyone can effectively balance personal and professional responsibilities while maintaining our collaborative and productive environment.

100% company-paid medical, dental, and vision coverage for you and your dependents on your first day of employment. 401(k) with a 3.5% match and immediate vesting Pre-tax benefits, including a $1,000 HSA match Life and accidental insurance Flexible PTO You may also be eligible to participate in the bonus and equity programs. You will also have access to comprehensive medical, vision, and dental coverage, a 401(k) retirement plan with company match, short & long term disability insurance, life insurance, and flexible PTO along with many other benefits and perks.

📌 Senior Software Engineer, Trust Platform (Toronto)
🏢 Credit Genie
📍 Toronto