Senior Full Stack Developer at All Cares

About Us

We are a U.S.-based fintech platform founded in 2021, focused on modernizing and digitizing the lending and payments ecosystem.

We operate a multi-lender lending platform and are expanding into payments and financial infrastructure. Our roadmap includes complex underwriting workflows, multi-party application flows, role-based systems, API-driven integrations, and money movement infrastructure.

We’re looking for a Senior Full Stack Developer who thrives in backend-heavy fintech systems and can build scalable, secure, API-driven architecture while supporting front-end development as needed.

If you enjoy solving real-world financial logic problems, integrating third-party services, and building structured systems inside AWS — this role is for you.

What You’ll Be Doing

Backend (Primary Focus)

• Designing and building scalable backend services using PHP (Laravel)
  
• Developing and maintaining RESTful APIs for internal and external integrations
  
• Implementing complex business logic related to:
  
  • Loan origination workflows
    
  • Offer presentation logic
    
  • Funding and settlement flows
    
  • Payments and money movement
    
  • Role-based permissions and application assignment
    
    
• Integrating with third-party APIs (lenders, payment processors, KYC providers, credit bureaus, etc.)
  
• Designing clean database architecture in MySQL
  
• Writing optimized queries and ensuring data integrity
  
• Implementing secure authentication & authorization (JWT, OAuth, role-based access)
  
• Handling asynchronous processes, webhooks, queues, and background jobs
  
• Writing unit and integration tests for backend services
  
• Refactoring legacy code for scalability and maintainability
  
• Participating in architectural discussions and technical planning
  
  

Frontend (Secondary Support)

• Supporting development in React.js
  
• Building and maintaining API-connected UI components
  
• Working with existing design systems and UI structure
  
• Ensuring proper state management and API consumption
  
• Debugging cross-stack issues (frontend ↔ backend)
  
  

System & Infrastructure Responsibilities

• Working within AWS infrastructure (EC2, RDS, S3, IAM, etc.)
  
• Understanding deployment workflows and environment separation (dev / staging / production)
  
• Collaborating with DevOps on CI/CD pipelines
  
• Ensuring performance, security, and monitoring standards are met
  
• Supporting system scalability and uptime
  

Fintech-Specific Responsibilities

• Building and maintaining systems that handle:
  
  • Sensitive PII (SSNs, EINs, banking data)
    
  • Loan calculations and APR logic
    
  • Funding disbursement and reconciliation
    
  • ACH/card payment processing logic
    
  • Status-driven workflows (multi-stage application lifecycle)
    
• Ensuring compliance-conscious development (data protection, auditability, traceability)
  
• Working with structured underwriting and lender program logic
  
• Supporting webhook-driven external lender responses and state updates
  
  

What We Expect

• 6+ years of experience in backend or full stack development
  
• Strong experience with PHP (Laravel framework required)
  
• Experience with React.js
  
• Strong experience with MySQL database design and optimization
  
• Experience working within AWS environments
  
• Strong experience integrating external APIs (REST required)
  
• Experience working in fintech, lending, payments, or financial platforms (required)
  
• Strong understanding of:
  
  • Secure coding practices
    
  • Authentication & authorization models
    
  • API-driven architecture
    
  • Webhooks & async processing
    
• Ability to debug complex cross-system issues
  
• Experience working in structured Jira-based sprint environments
  
• Clean, maintainable coding standards
  
• English B2+ minimum

Nice to Have

• Experience with financial calculations (APR, amortization schedules, payment schedules)
  
• Experience with queue systems (Redis, SQS, etc.)
  
• Experience with GraphQL
  
• Experience building role/permission matrices
  
• Experience working with credit bureaus or KYC providers
  
• Experience building audit logs and compliance reporting features
  

What Success Looks Like in This Role

• You take ownership of backend features from specification to production
  
• You anticipate edge cases in financial logic
  
• You build integrations that are resilient and well-structured
  
• You reduce technical debt, not increase it
  
• You proactively identify architectural risks before they become issues
  
• You communicate clearly with Product, BA, and DevOps teams
  

What We Offer

• Fully remote work
  
• Transparent and competitive compensation
  
• High-impact role in a fast-growing fintech platform
  
• Direct involvement in architectural decisions
  
• A team that values ownership, precision, and execution
  
• 20 paid vacation/sick days per year

Working Hours

This role is aligned with U.S. Eastern Time to support live production systems and real-time platform operations.

• Standard schedule: 12 PM – 8/9 PM EST (Monday–Friday)
• Provides strong overlap with U.S.-based operations, product, and support workflows