Backend Developer at CredPal

CredPal is an innovative solution that seeks to combat the ever complex loan approval process that has deterred millions from achieving specific gaols over the years. We believe quality of life can be drastically improved if individuals can easily make purchases and pay overtime at their convenience with reduced or no financial pressure, while also increasing their purchasing capabilities.

Purpose Statement:

• We are seeking a talented and passionate Mid-Senior Backend Engineer with strong NestJS experience and a solid understanding of distributed, event-driven systems to join our engineering team. Your role will be crucial in designing, building, and maintaining backend services that power core financial products. You’ll work in a microservices architecture, handling transactional data, background processing, and third-party integrations. This role suits an engineer who cares deeply about correctness, reliability, and scale.

Responsibilities

Backend & API Development

• Build and maintain backend services using NestJS, Node.js, and TypeScript.
• Design and expose secure, well-structured REST APIs for web, mobile, and partner systems.
• Implement core fintech features such as wallets, transactions, cards, lending, savings, and disbursements.
• Integrate with external services including payment gateways, KYC providers, and banking APIs.

System Design & Architecture

• Develop services within a microservices architecture.
• Implement event-driven workflows using RabbitMQ.
• Design systems with focus on idempotency, fault tolerance, and data consistency.
• Build and maintain background jobs and workers.

Data & Storage

• Design and manage relational data using MySQL.
• Use MongoDB for document-based and non-relational workloads.
• Implement caching and fast data access using Redis.
• Ensure accurate transaction records and reconciliation logic.

Infrastructure & Reliability

• Containerize services using Docker and work closely with infrastructure teams on deployment.
• Write unit and integration tests to ensure system reliability.
• Participate in code reviews and architectural discussions.
• Monitor and improve service performance and stability.

Collaboration & Ownership

• Work closely with Product, Frontend, Mobile, and DevOps teams.
• Take ownership of services from design through production.
• Mentor junior engineers and uphold engineering best practices.

Requirements

• Minimum 4 - 6years of professional backend engineering experience.
• Strong production experience with NestJS.
• Deep understanding of Node.js and TypeScript.
• Experience working with MySQL and MongoDB.
• Hands-on experience with RabbitMQ and asynchronous processing.
• Experience using Redis for caching or distributed locks.
• Experience containerizing applications using Docker.
• Solid understanding of REST API design and backend security fundamentals.

Nice-to-Have

• Prior experience in fintech, payments, lending, wallets, or cards.
• Experience building or maintaining ledger-based systems.
• Familiarity with observability tools (logs, metrics, tracing).
• Experience working in high-traffic or regulated environments.
• Mentorship or technical leadership experience.

What Success Looks Like

• You ship reliable backend services that handle real money safely.
• You reduce incidents through better design and testing.
• You improve scalability and performance of existing systems.
• You help raise backend engineering standards at CredPal.

Method of Application