Senior Software Engineer - Credit

About this role

LemFi (Series B) is building the go-to financial app for the Global South. Moving to a new country shouldn’t mean starting from zero. That's why our team of 400+ spanning 20+ countries is building a financial ecosystem that helps immigrants stay connected to home, build stability, and create wealth regardless of where they are from or where they live. What began as fast, affordable remittances is now evolving into a complete platform for multi-currency accounts, payments, credit, and long-term financial growth.

With millions of users across the globe, we process over $1B in monthly transactions to 30+ countries, proving that borders shouldn't limit financial opportunity. About the role LemFi's Credit tribe is early and moving fast. We're building the infrastructure that will power lending products for millions of people who've historically been locked out of fair credit - immigrants, diaspora communities, and the financially underserved across our 21 operating markets.

This is a ground-floor opportunity: the tribe is being built right now, and the systems you design today will be the foundation everything else sits on. We're looking for a Senior Software Engineer to join the Credit tribe and own core backend services end-to-end. You'll be working primarily in Go, with some existing Java services in the mix - switching between them is not the blocker, deep engineering craft and an instinct for how credit products behave is.

We move fast and we don't micromanage, which means you'll need to bring the domain awareness to make the right call before anyone has to tell you. What you'll build and own Design, build and operate high-reliability backend services that power LemFi's credit products, from loan origination and underwriting through to repayment and collections. Make the right architectural calls independently - data residency, service boundaries, state-machine design for loan lifecycles - without needing to be told what a credit-safe system looks like.

Own your services in production: instrument them, monitor them, debug them, and hold the bar on reliability and correctness. Work closely with product and compliance to translate credit-domain requirements into clean, testable, maintainable code. Use AI coding tools actively to accelerate delivery and improve test coverage, while taking full ownership of the correctness of every line that ships. Contribute to growing the tribe - as one of the earliest engineers you'll help set the engineering culture, review others' work, and raise the bar on how we build.