Senior Software Engineer, Lending (Backend)

Krakow, Małopolskie, Poland

Category: Engineering
Job ID: R_105859
Job Type: Regular

Job Description:

At Remitly, we believe everyone deserves the freedom to access, move, and manage their money wherever life takes them. Since 2011, we’ve tirelessly delivered on our promise to customers sending money globally, providing secure, simple, and reliable ways to manage their money, ensuring true peace of mind. Whether it’s supporting loved ones back home, growing a business across continents, or pursuing new opportunities abroad, we’re not just here to move money— we’re here to move our global customers forward. We’re looking for builders, reimaginers, and global thinkers who want to work at the intersection of technology, trust, and transformation. If that’s you and you’re ready to do the most meaningful work of your career—we invite you to join over 2,800 passionate Remitlians worldwide who are united by our vision to transform lives with trusted financial services that transcend borders.

About the Role:

You will be a Senior Software Engineer on the Lending Servicing team reporting to an Engineering Manager , building systems that support and power Remitly's growing suite of lending products. Lending is a newer product area at Remitly that has achieved product-market fit. It is now scaling to serve millions of customers, making this an exciting time to join and help shape the next phase of growth.

You will develop reliable, scalable services that manage critical lending workflows and sensitive financial data. You will work in a complex, stateful problem space where correctness, consistency and reliability are necessary . The systems you build will have impact on customers' financial lives.

You will operate with a high degree of technical ownership, partnering with product managers and engineers across teams to translate evolving product needs into durable technical solutions. As an early senior engineer on a fast-growing team, you will shape long-term architecture, engineering practices, and the evolution of systems that will scale with Remitly's lending products.

You Will:

Lead the technical design and execution of multi-quarter projects
Shape core domain models, APIs, and data contracts for a distributed loan management system
Establish guarantees around data correctness, consistency, idempotency, and auditability in a distributed environment
Design for failure by building observability, alerting, and operational tooling to quickly detect and resolve issues
Provide technical leadership through design reviews, mentorship, and raising the engineering bar across the team
Collaborate across geos to unlock new lending products while preserving platform stability and extensibility

You Have:

A BS in Computer Science or equivalent professional experience.
8+ years of backend services development and domain ownership
Experience working directly with product and cross-team members to achieve outcomes
Experience building and operating systems end to end.
Proficiency in one or more languages like Java, Go or Kotlin

Compensation Details. The starting base salary range for this position is typically zł320,000 – zł360,000. In Poland, Remitly employees are shareholders in our Company and equity is part of our total compensation plan. Your recruiter can share more information about medical benefits offered, as well as other financial benefits and total compensation components offered with this role.

Remitly Poland applies increased tax deductible costs (KUP) to remuneration earned by certain qualifying employees (to the extent an employee will be involved in the creation of the software as an "author") for the transfer of copyrights, in accordance with the relevant provisions of the Personal Income Tax Act.

Our Benefits:

Equity in the company – RSUs
Employee Stock Purchase Plan (ESPP)
26 days paid holiday + additional company days off
Royalties (KUP)
Hybrid working model (we have the office in a Kraków City Centre)
Commute allowance
Health/Dental Coverage – LUX MED VIP for employee and family
Life Insurance
Travel Insurance
Pluxee Lunch Card/Multisport Card
Education Budget
Mental Health program for employee
Family planning program
Employee Pension Plan (PPK)

Our Connected Work Culture: Driving Innovation, Together

At Remitly, we believe that true innovation sparks when we come together. Our Connected Work Culture fosters dynamic in-person collaboration, where ideas ignite and challenging problems find solutions faster. For corporate team members, we have an in-office expectation of at least 50% of the time monthly, typically achieved by coming in three days a week. This creates a consistent, meaningful overlap that supports team norms and business needs. Managers also have the flexibility to set higher expectations based on their team's specific needs. These intentional in-office moments are vital for deepening relationships, fueling creativity, and ensuring your impact is felt where it matters most.

Remitly is an E-Verify Employer

At Remitly, we are dedicated to ensuring that our workplace offers equal employment opportunities to all employees and candidates, in full compliance with applicable laws and regulations.

Remitly is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.

Job Description:

At Remitly, we believe everyone deserves the freedom to access, move, and manage their money wherever life takes them. Since 2011, we’ve tirelessly delivered on our promise to customers sending money globally, providing secure, simple, and reliable ways to manage their money, ensuring true peace of mind. Whether it’s supporting loved ones back home, growing a business across continents, or pursuing new opportunities abroad, we’re not just here to move money— we’re here to move our global customers forward. We’re looking for builders, reimaginers, and global thinkers who want to work at the intersection of technology, trust, and transformation. If that’s you and you’re ready to do the most meaningful work of your career—we invite you to join over 2,800 passionate Remitlians worldwide who are united by our vision to transform lives with trusted financial services that transcend borders.

About the Role:

You will be a Senior Software Engineer on the Lending Servicing team reporting to an Engineering Manager , building systems that support and power Remitly's growing suite of lending products. Lending is a newer product area at Remitly that has achieved product-market fit. It is now scaling to serve millions of customers, making this an exciting time to join and help shape the next phase of growth.

You will develop reliable, scalable services that manage critical lending workflows and sensitive financial data. You will work in a complex, stateful problem space where correctness, consistency and reliability are necessary . The systems you build will have impact on customers' financial lives.

You will operate with a high degree of technical ownership, partnering with product managers and engineers across teams to translate evolving product needs into durable technical solutions. As an early senior engineer on a fast-growing team, you will shape long-term architecture, engineering practices, and the evolution of systems that will scale with Remitly's lending products.

You Will:

Lead the technical design and execution of multi-quarter projects
Shape core domain models, APIs, and data contracts for a distributed loan management system
Establish guarantees around data correctness, consistency, idempotency, and auditability in a distributed environment
Design for failure by building observability, alerting, and operational tooling to quickly detect and resolve issues
Provide technical leadership through design reviews, mentorship, and raising the engineering bar across the team
Collaborate across geos to unlock new lending products while preserving platform stability and extensibility

You Have:

A BS in Computer Science or equivalent professional experience.
8+ years of backend services development and domain ownership
Experience working directly with product and cross-team members to achieve outcomes
Experience building and operating systems end to end.
Proficiency in one or more languages like Java, Go or Kotlin

Compensation Details. The starting base salary range for this position is typically zł320,000 – zł360,000. In Poland, Remitly employees are shareholders in our Company and equity is part of our total compensation plan. Your recruiter can share more information about medical benefits offered, as well as other financial benefits and total compensation components offered with this role.

Remitly Poland applies increased tax deductible costs (KUP) to remuneration earned by certain qualifying employees (to the extent an employee will be involved in the creation of the software as an "author") for the transfer of copyrights, in accordance with the relevant provisions of the Personal Income Tax Act.

Our Benefits:

Equity in the company – RSUs
Employee Stock Purchase Plan (ESPP)
26 days paid holiday + additional company days off
Royalties (KUP)
Hybrid working model (we have the office in a Kraków City Centre)
Commute allowance
Health/Dental Coverage – LUX MED VIP for employee and family
Life Insurance
Travel Insurance
Pluxee Lunch Card/Multisport Card
Education Budget
Mental Health program for employee
Family planning program
Employee Pension Plan (PPK)

Our Connected Work Culture: Driving Innovation, Together

At Remitly, we believe that true innovation sparks when we come together. Our Connected Work Culture fosters dynamic in-person collaboration, where ideas ignite and challenging problems find solutions faster. For corporate team members, we have an in-office expectation of at least 50% of the time monthly, typically achieved by coming in three days a week. This creates a consistent, meaningful overlap that supports team norms and business needs. Managers also have the flexibility to set higher expectations based on their team's specific needs. These intentional in-office moments are vital for deepening relationships, fueling creativity, and ensuring your impact is felt where it matters most.

Remitly is an E-Verify Employer

At Remitly, we are dedicated to ensuring that our workplace offers equal employment opportunities to all employees and candidates, in full compliance with applicable laws and regulations.

Remitly is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.

What our Remitlians say

Evelyne Kuo

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On the Security & Privacy team, I reimagine what’s possible by going beyond traditional compliance to create a culture where security is part of everyone’s day-to-day — through programs like our champion network, engaging training sessions, and company-wide awareness events that make security approachable and empowering.”

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To me, reimagining what’s possible means constantly learning new technologies and applying cutting-edge solutions to build localized systems that scale across currencies, countries, and regulations. The challenges we solve at Remitly don’t just strengthen our platform — they expand financial access for millions of people worldwide. That’s what makes the work both exciting and impactful.”

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Stand for excellence means to me always raising the bar, pushing through discomfort, to deliver our best to our teams and customers every time. We come together as a team to share ideas to develop a rubric that helps us deliver impactful results.”

What our Remitlians say

A photo of a Remitly employee, smiling and looking at the camera.

Stephanie Cameron

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On the product team at Remitly, I’m trusted to make decisions that drive real impact—not just for my team, but for the business and our customers. I’m encouraged to take ownership of problems even when they’re outside my immediate scope, to speak up, and to bring the right people together to solve them. Lately, that’s meant working on real-time FX and funding tools that support our treasury team in lowering transaction costs—so we can pass those savings on to our customers. That trust and cross-team collaboration make it easy to stay focused on what really matters in the long run.”

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Senior Manager - Analytics

At Remitly, diving deep has meant pushing past easy answers to truly understand what our customers need. I’ve seen our analytics teams uncover insights that weren’t obvious at first glance — like identifying hidden friction points in the customer journey that, once solved, improved both experience and trust. This commitment to going beyond the surface makes our recommendations stronger, and it’s a big part of how we deliver meaningful impact across the business.”