About Credit Key As the leading provider of flexible, buy now pay later payments for B2B transactions, hundreds of organizations rely on Credit Key to offer their business customers greater access to capital, faster approvals, and extended payment terms using embedded financing. Our mission is to deliver a superior payment experience at B2B point-of-purchase — and we can't do it without top tier talent. Who We Are We're a small, experienced, and collaborative team of developers who value learning, experimentation, and developer happiness. No death marches. No endless crunch. No after-hours firefighting (unless it's genuinely fun). We plan thoughtfully, prioritize ruthlessly, and iterate quickly to find what works. Who You Are You thrive at the intersection of building, running, and improving complex systems. You balance pragmatism with craft, and you take pride in leaving code, services, and architecture better than you found them. You're comfortable with: • Translating business requirements into maintainable, scalable code • Owning services end-to-end, from design to deployment to monitoring and iteration • Experimenting, learning, and iterating to improve systems over time • Making architecture decisions and documenting design choices • Reviewing code and providing constructive feedback You also have experience managing production services, deploying infrastructure with Terraform, and maintaining operational health in cloud environments. What You'll Do As a Backend Engineer at Credit Key, you'll: • Design and implement backend systems, APIs, and features • Own services end-to-end, including deployment, monitoring, and scaling • Contribute to architecture discussions and design documentation • Collaborate with product, engineering, and operations teams to define realistic MVPs and iteratively build solutions • Share knowledge and help raise the quality bar across the team You'll bring your experience to guide best practices while flexing your expertise in specific areas of the platform. We value engineers who combine technical rigor with practical judgment: knowing when to innovate, when to iterate, and when to optimize for maintainability. Requirements Required Skills • 5+ years building complex backend systems • Experience in Ruby, Rails, JavaScript, Node.js, NestJS, TypeScript, or similar • Strong programming skills in more than one language • Solid Git fundamentals • Expertise in SQL and/or NoSQL schema design and complex queries • Experience designing RESTful APIs • Ops experience: deploying and maintaining services, monitoring, cloud infrastructure (AWS preferred), Terraform, CI/CD pipelines Nice-to-haves • Experience with e-commerce platforms: Shopify, Magento, BigCommerce, WooCommerce, NetSuite • Experience scaling MongoDB or other NoSQL databases • Docker and container orchestration experience • Experience in security-conscious industries (e.g., FinTech) • Familiarity with infrastructure-as-code and operational best practices Benefits Why Credit Key • Competitive compensation + equity • Great healthcare benefits • PTO • 401k Match • 100% Remote. Flexible work schedule & location • Supportive, low ego, highly collaborative team environment • Work from home stipend