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About
We're the first platform in Canada that lets users pay nearly any bill using their credit card, while unlocking meaningful benefits like cashback, points, and credit-building tools. With $1B+ in annual payment volume and millions of transactions per month, we're building financial infrastructure that needs to be fast, reliable, and bulletproof.
About the Role
We're looking for a Backend Engineer to own and build payment systems in Chexy Engine, our core backend repository. You'll work on the systems that move money—payment inflows, outflows, ledgering, settlement, and direct integrations with card networks and banking systems.
This role is about building clean, scalable, production-grade financial infrastructure. Every line of code you write will process real money for real people, which means your work needs to be precise, well-tested, and built for scale. You'll design and implement the payment systems that can handle billions in annual transaction volume.
What You'll Be Doing
Build and maintain payment processing systems handling inflows, outflows, and multi-rail settlement in Chexy Engine
Design and implement ledger systems using double-entry bookkeeping principles to ensure financial accuracy and auditability
Develop and optimize direct integrations with payment networks (Visa Direct, American Express) and banking systems (e-Transfer, PAD, Bill Pay, etc.)
Write clean, well-tested, production-grade code in NestJS and TypeScript following scalable architecture patterns
Design event-driven systems using Google Cloud Pub/Sub for reliable, asynchronous payment processing
Build APIs consumed by our web and mobile applications, ensuring performance and reliability at scale
Optimize database queries and schema design in PostgreSQL (Cloud SQL) using Prisma ORM
Implement caching strategies with Redis to handle high transaction volumes efficiently
Write comprehensive tests and participate in code reviews to maintain code quality standards
Collaborate with frontend, mobile, and infrastructure teams to ship features end-to-end
Participate in on-call rotations for production payment systems
Who We're Looking For
2+ years of backend engineering experience, with some exposure to production financial systems, payment processing, or high-volume transaction systems
Strong experience with NestJS, , and TypeScript in production environments
Deep understanding of relational databases (PostgreSQL preferred) including schema design, query optimization, and transactions
Experience with ORMs (Prisma experience is a plus)
Proven track record building and maintaining high-volume APIs and microservices
Understanding of event-driven architecture and message queues (Google Cloud Pub/Sub, Kafka, RabbitMQ, or similar)
Experience with financial systems concepts: ledgers, double-entry bookkeeping, reconciliation, idempotency, transaction integrity
Strong grasp of Redis or similar caching technologies for performance optimization
Experience with payment processing, banking integrations, or fintech products
Ability to write clean, maintainable, well-tested code with strong attention to detail
Strong communication skills and ability to collaborate across teams
Self-directed with ownership mentality—you take pride in shipping reliable, production-grade systems
Bonus Points
Direct experience with payment network integrations (Visa, Mastercard, Amex) or banking APIs
Experience with Google Cloud Platform (Cloud Run, Cloud SQL, Pub/Sub)
Familiarity with Terraform or infrastructure-as-code practices
Experience building ledger systems or working with accounting principles
Knowledge of Canadian payment systems (e-Transfer, PAD, Bill Pay)
Experience with API documentation (Swagger/OpenAPI)
Contributions to open-source projects in payments, fintech, or backend infrastructure
Background in regulated industries or compliance-heavy environments
### Why Join Chexy?
###
Build payments infrastructure that matters: Your code moves billions of dollars and powers life-changing financial transactions for thousands of Canadians
Join a tight-knit team: Work directly with founders and senior engineers who trust you to make critical decisions
Early equity: Access equity in a high-growth fintech company that's just getting started
Own real impact: No bureaucracy, no endless meetings—just smart people solving hard problems together
Toronto office: Work in-office 5 days a week with the team in Toronto
How We Hire
We keep our hiring process clear and human. You'll go through a mix of conversational interviews and technical deep-dives designed to showcase your strengths. We care about how you think, how you've solved real backend and payment problems, and how you collaborate—not just trivia questions. And we make sure there's space for your questions too.
Languages
- English
Notice for Users
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