Company Description

Moto, founded in May 2025, is the first AI-enabled credit card that pays off its own debt. Exclusively available to entrepreneurs, tastemakers, and crypto power users, Moto provides a credit card that doesn't compromise on custody, yield, or luxury. Our guiding principles are to never compromise on user custody or security, and to deliver experiences that not only meet but exceed the standards of premium cards, unlocking new financial possibilities.

About the Role

We're seeking a Senior Backend Engineer to build robust financial infrastructure for our payment and credit platform. You'll architect and develop high-performance backend services that power card transactions, accounting systems, and user financial operations.

Responsibilities

• Design and develop backend services in Go with focus on performance and reliability
• Own the end-to-end development of the financial ledger and accounting systems
• Build and maintain REST APIs consumed by mobile and web applications
• Implement real-time webhook processors for payment authorization flows
• Design database schemas and optimize queries for PostgreSQL
• Develop event-driven architectures for balance updates and notifications
• Own deployment pipelines and infrastructure on Google Cloud Platform
• Write comprehensive tests and ensure code quality through reviews
• Monitor production systems and resolve performance bottlenecks
• Collaborate with frontend engineers on API contracts and data models

Required Qualifications

• 5+ years of backend engineering experience, with 3+ years in Go
• Strong expertise in building RESTful APIs and microservices architecture
• Deep understanding of relational databases (PostgreSQL preferred) and SQL optimization
• Experience with financial systems, payment processing, or high-precision accounting
• Proficiency with Google Cloud Platform (Cloud Run, Pub/Sub, Cloud SQL, etc.)
• Knowledge of distributed systems patterns and data consistency models
• Understanding of security best practices for financial applications
• Experience with CI/CD pipelines and infrastructure as code
• Strong testing practices (unit, integration, and end-to-end)
• Excellent problem-solving and debugging skills
• Experience leading technical projects or mentoring engineers in a team environment

Nice to Have

• Experience with double-entry bookkeeping or ledger systems
• Background in fintech, payments, or banking infrastructure
• Knowledge of event sourcing and CQRS patterns
• Experience with high-throughput, low-latency systems
• Understanding of compliance requirements (KYC, AML)
• Knowledge of blockchain technology, particularly Solana and EVM-based chains

Compensation & Benefits

• Competitive salary commensurate with experience
• Equity options
• Flexible work arrangements
• Professional development budget

Location: Remote

Employment Type: Full-time

Experience Level: Senior