Founding Fintech Engineer - Banking & Payments

About the role

Huzzle connects talent with companies across the UK, US, Canada, Europe and Australia. This is a rare 0 to 1 opportunity to build a financial platform from the ground up within an established, profitable ecosystem. You will work directly with the founders and alongside an existing technical developer to architect and build a neobank-style platform covering business onboarding, KYC/KYB, accounts, payments, cards, FX, ledgers, reconciliation and money movement. The role suits a strong individual contributor or technical lead who stays deeply technical and enjoys writing production code.

Key responsibilities

• Architect and build core financial infrastructure: accounts, balances, ledgers, KYC/KYB workflows, transaction state machines and reconciliation systems.
• Integrate with regulated banking partners, card issuers, payment providers and payment rails such as ACH, wires, international payments and FX.
• Build provider-independent architecture so the platform does not depend on a single provider.
• Develop secure, reliable financial APIs and data models for complex transaction and money-movement workflows.
• Build asynchronous systems with queues, events, retries, idempotency and exception handling.
• Develop card issuing and card management integrations alongside multi-currency and FX functionality.
• Build internal operations, compliance, permissions, limits and approval tooling.
• Own systems and features end to end, from architecture and database design through implementation, testing, deployment and production operation.
• Translate business and product requirements into technical solutions with the founders, and set engineering standards for a future engineering team.

Required profile

• 3 to 8+ years of professional software engineering experience with strong backend or full-stack fundamentals.
• Proven experience on complex systems where reliability, consistency and data integrity are critical.
• Demonstrated experience owning technical systems or major product areas end to end.
• Strong product instincts and comfort in a fast-moving, early-stage 0 to 1 environment.
• Natural technical leader who takes initiative without a large team or established processes.

Required skills

• Production-grade APIs, backend services and distributed systems.
• Database architecture, data modelling and system design.
• Async workflows: queues, events, retries, idempotency and failure handling.
• Nice to have: fintech, neobanking, KYC/KYB, card issuing, FX and reconciliation experience, and prior 0 to 1 engineering roles.

What we offer

• Milestone-based compensation.
• Fully remote and flexible work.
• Direct influence over architecture and technical direction.
• Modern tech stack and provider-agnostic architecture.
• Collaboration with experienced founders.