Staff Engineer (Lending)

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 onestop 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 AIfirst, 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, handson, 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.

As a Staff Engineer, you will play a pivotal role in delivering highimpact, scalable solutions for the companys backend infrastructure. You will tackle complex engineering challenges and take ownership of key technical projects that drive innovation and excellence across our systems. In a fastpaced, evolving environment, you will be instrumental in shaping the technical direction and ensuring the robustness and reliability of our services.

Key Responsibilities

• Lead technical initiatives, shaping project strategy and ensuring successful execution of medium to largescale backend projects.
• Deliver backend solutions that balance business goals, scalability, and operational efficiency.
• Operate autonomously, often driving key project segments or entire projects to completion, aligning with business goals and customer needs.
• Mentor and guide engineers across levels, supporting their technical development and helping grow a culture of excellence across teams.
• Champion best practices in coding, system design, and architecture, contributing to continuous improvements in engineering methodologies.
• Work closely with crossfunctional teams to deliver seamless integrations and maintain optimal system performance.
• • Deliver highquality, innovative solutions that enhance system performance, scalability, and user experience.
  • Support the development of junior or semisenior engineers by fostering a culture of collaboration, continuous learning, and shared ownership.
  • Drive the evolution of engineering practices by introducing improvements, promoting innovation, and sharing technical expertise across teams.
  • Solve technical problems of the highest scope, complexity, and ambiguity.
  • Promote the adoption of AIassisted engineering practices within your squad and chapter, leveraging tools for code generation, automated refactoring, test case creation, and technical documentation. Identify opportunities where AI can enhance developer productivity, code quality, and team velocity.
  • Drive innovation within your team by experimenting with new approaches and boldly solving complex engineering challenges.

  • Requirements

    • Academic background oriented toward computer science, engineering, or software development disciplines.
    • Development using Java, Spring Boot, PostgreSQL, Kafka and AWS.
    • Experience in Python is a plus.
    • Experience with asynchronous programming.
    • Track record of success in handson backend engineering positions.
    • Experience working with domains of medium to high complexity.
    • A solid understanding of how web and mobile applications work including security, session management, and best development practices.
    • Knowledge of relational database systems and Object Oriented Programming.
    • Knowledge of DomainDriven Design (DDD); familiarity with microservice architecture is a plus.
    • Experience conducting code reviews, driving knowledge sharing, and promoting collaborative development practices.
    • Ability to work and thrive in a fastpaced 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.
    • Practical experience applying AI frameworks in development projects.
    • Demonstrated experience profiling and performance tuning Java applications, and using monitoring tools for production application monitoring.

    • Soft Skills

      • Strategic thinking and problemsolving skills, with a proactive approach to identifying and addressing technical and process gaps.
      • High degree of autonomy and accountability, capable of leading technical decisions and driving initiatives with minimal supervision.
      • Proven mentorship capabilities, fostering the growth of junior and midlevel engineers through guidance, feedback, and pairing.
      • Strong communication skills, with the ability to effectively articulate complex technical ideas to both technical and nontechnical stakeholders.
      • Ability to collaborate crossfunctionally with different chapters like engineering, frontend, product, design, backend, and infrastructure to deliver highimpact solutions.
      • Comfortable navigating ambiguity and complexity, with a mindset focused on continuous learning and system improvement.
      • Demonstrated influence in shaping engineering practices and elevating teamwide technical standards.
      • Alignment with company values: ownership, excellence, adaptability, and innovation.

      • IndustrySpecific Knowledge

        It is desirable for Staff Backend Engineers to have handson experience or practical familiarity with one or more core financial domains such as lending, payments, credit cards, open finance, fraud prevention, merchant acquiring, or investment services. A strong understanding of key operational workflows, integration patterns, and data flows within these domains is highly valued, especially in contexts where backend decisions impact performance, compliance, or financial accuracy at scale.

        Ideal candidates will have led or significantly contributed to the architecture and development of backend systems powering critical financial use cases, such as realtime transaction processing, loan management engines, payment orchestration layers, settlement and reconciliation services, or KYCAMLcompliant onboarding pipelines. Experience designing secure, auditable, and scalable APIs for internal and external consumers is also highly desirable. The ability to translate complex regulatory requirements (e.g., PCIDSS, GDPR, LGPD) into resilient, compliant, and highperforming backend architectures sets exceptional candidates apart at this level.

        Benefits

        • Competitive and marketaligned 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 copay.
        • 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).