JOB TITLE: Sr. Backend Engineer
LOCATION: Jersey City (Hybrid)
REPORTS TO: Squad Leader
Sunbit builds financial technology for real life. Our AI-native platform helps more people get to “yes” at the moments that matter with personalized offers, transparent terms, and no added consumer fees. In stores, practices and service centers across the country, Sunbit provides a fast, fair pay-over-time option. For everything else, the Sunbit Credit Card delivers a modern, no-fee credit experience managed in a powerful mobile app.
We are guided by people-centered values: Serve Others Before Self, Include Always, Connect Genuinely, Innovate for Good. These values shape how we build, how we support customers and merchants, and how we work with each other.
What makes Sunbit different is an AI-native infrastructure that runs through the full customer and merchant journey. Our interconnected AI systems power instant decisioning, streamline fraud checks with human-in-the-loop safeguards, and enable highly personalized offers at scale. The result is a quick, fair, and simple experience for consumers and merchants.
We pair this technology with inclusion and transparency. Sunbit delivers industry-leading approval rates — 90%+ in auto service and 85%+ in dental — while maintaining zero consumer fee-based revenue. It is a better way to serve people and merchants, proven at scale.
Today, Sunbit is available across a nationwide, in-person merchant network of 30,000+ locations spanning auto service centers, dental and optical practices, veterinary clinics, and other specialty services. We help teams say “yes” more often and help customers move forward with confidence.
What you'll do
We are looking for a Sr Backend Engineer to join our team responsible for designing, building, and maintaining the core platform that supports our call center operations, including the agent desktop that powers day-to-day customer interactions. The solutions developed by this team have a direct impact on how efficiently our agents assist customers and resolve issues.
In this role, you will also contribute to improving operational efficiency through automation, AI, and intelligent workflows. This includes developing tools that enable agents to work more effectively, integrating systems across the call center ecosystem, and introducing AI-powered capabilities that enhance both the agent and customer experience.
This is a high-impact opportunity where engineering work directly influences real-world operations at scale. You will tackle complex product and platform challenges in a fast-paced environment while helping shape the technology that powers Sunbit’s customer success organization.
Design, build, and evolve the Customer Success agent desktop, the core platform used by our call center to support customers.
Develop tools, workflows, and integrations that connect multiple systems used by our Customer Success organization.
Improve agent productivity and operational efficiency through automation, smart workflows, and AI-driven capabilities.
Work on high-impact product and platform challenges, solving real operational problems at scale.
Collaborate closely with Product, Customer Success, Product lines, and Operations teams to design solutions that improve both agent and customer experience.
Ensure systems are reliable, scalable, and maintainable, supporting a fast-growing operational environment.
Write clean, high-quality code, with strong testing and observability practices.
Take ownership of features end-to-end, from design and architecture through development and production deployment.
Contribute to a strong engineering culture by sharing ideas, improving processes, and supporting teammates.
What You'll Bring:
5+ years of experience in software engineering
Bachelor’s degree in Computer Science or a related field.
Experience in Kotlin, Java, or Scala with hands-on experience.
Experience in the Spring Framework.
Proficient in both relational (e.g., MySQL) and non-relational databases (e.g., MongoDB).
Proficiency in micro-service architecture
Familiarity with message queue technologies such as Kafka, SQS, RabbitMQ, or similar.
Strong problem-solving skills, capable of meeting technical challenges head-on.
Experience with backend software development.
A passion for learning, constantly staying up to date with industry trends and technology advancements.
Resourceful, self-motivated, and capable of working independently.
Background in fintech is a plus.
Why Choose Sunbit?
Sunbit is recognized as one of the fastest-growing and most admired fintech companies, earning honors from Inc. 5000 (four consecutive years), Forbes Fintech 50, Deloitte Technology Fast 500, Financial Times, and FinTech Breakthrough for its innovation and impact. The company has also been featured among Newsweek’s Most Loved Workplaces and CB Insights’ Unicorn Companies, reflecting a valuation of $1.1B.
People choose Sunbit for its people-first culture rooted in service, inclusion, and real-world impact. Powered by AI that helps people in life’s critical moments—offering high approvals, speed, and zero fees—Sunbit has achieved proven scale across tens of thousands of merchants and millions of transactions. Its fast, fair, and simple financial products empower consumers and partners alike through clarity and trust.
The Perks:
Join one of LA’s fastest growing startups (2023), A Most Loved Workplace, #576 on the 2023 Inc 5000 list, and Forbes Fintech 50 (2024), #161 on Deloitte Technology Fast 500 list
Mission driven + empowered + collaborative
Competitive pay and stock options
Unlimited PTO
Health Insurance options including Medical, Dental, Vision, Life, EAP, FSA, & Maternity Leave
Newly added HSA and Pet Insurance
401K Plan with Matching
Cell Phone Stipend
Team based strategic planning + Team owned deliverables
How We Pay:
We believe in paying fairly and equitably based on a number of factors including but not limited to previous experience, relevant work history, interview performance, geographical location, internal equity, and expected level of ownership
We are targeting a base salary of $160k-190k per year for this role.
This role will also be granted company equity via stock options
Sunbit is an Equal Opportunity Employer. We strive to provide a professional & welcoming workplace for all employees.
Recruitment Fraud Disclaimer
We’ve been made aware of fraudsters impersonating Sunbit employees during the hiring process. Please note that all official communication will come from an @sunbit.com email address, through our applicant tracking platform @sunbit.comeet-notifications.com or directly via LinkedIn. We will never ask for your age, Social Security number, bank account details, payment of any kind, or other unrelated personal information during the application process. Our hiring process always includes interviews, either by phone, zoom, or in person, before any offer is made.
If something feels suspicious, please contact us at hr@sunbit.com to confirm. We ask that you contact hr@sunbit.com only about potential instances of fraud. hr@sunbit.com does not reach our recruiting team directly. Your application directly through the posting is the best way to ensure that your candidacy is reviewed by our team. Due to the volume of applications, we will not respond to nor forward emails about your candidacy that are sent to hr@sunbit.com directly, and your email about your application will be deleted from our systems.