We’re looking for a motivated Mid-Level iOS Developer to join Arcane Credit, an innovative, fast-moving startup on a mission to help American consumers with limited or no credit history quickly build a strong financial foundation.

Arcane Credit is creating a modern credit-building companion that:

• Reports rent and utility payments to the credit bureaus
• Offers a 24-month credit builder loan
• Provides a Credit Builder Card designed for rapid, sustainable score growth

You’ll be joining early and shaping the core iOS experience from the ground up.

The Team You’ll Join

You’ll collaborate closely with:

• Lead iOS Engineer — architecture, mentoring, core app design
• Junior iOS Developer
• Full-Stack Backend Engineer (PHP/Symfony, APIs, Plaid, KYC, credit products)
• Incoming Senior QA Engineer — testing strategy, automation, end-to-end flows

Your mission: build a secure, smooth, trustworthy iOS app that powers all user-facing credit-building experiences.

Role Overview

As a Mid-Level iOS Developer, you will:

• Build and ship major features of the Arcane Credit iOS app—from early MVP to full-scale product.
• Integrate with backend APIs and third-party SDKs (e.g., Plaid) to support onboarding, KYC, account linking, subscription logic, and credit-building flows.
• Operate in a small, fast-paced team where your work directly impacts users’ financial lives.

This is a hands-on role for someone seeking ownership, growth, and meaningful responsibility—not just bug fixing.

What You’ll Do

Product & Feature Development

• Implement core user flows: account creation, onboarding, KYC, bank account linking, rent & utility enrollment, credit builder loan setup, and card management.
• Build intuitive, friendly UI to explain complex credit concepts simply.
• Collaborate with the Lead iOS Engineer on architecture decisions (MVVM, DI, modularization, etc.) and coding best practices.

API & Integration Work

• Consume and integrate backend APIs covering identity, transactions, and credit products.
• Work with external SDKs and services (Plaid Link, analytics, notifications).
• Handle networking, error states, retries, and edge cases with a focus on trust and reliability.

Quality, Reliability & Security

• Write maintainable, well-tested Swift code (unit tests, snapshots when appropriate).
• Partner with QA to define testable requirements, debug issues, and support smooth releases.
• Maintain strong security and privacy practices, especially around financial and identity data.

Collaboration & Delivery

• Collaborate with product, backend, and QA teams to break down features into clear, executable tasks.
• Participate in code reviews, sprint ceremonies, and technical discussions.
• Mentor and support the junior iOS developer through pairing and thoughtful feedback.

What We’re Looking For

Must-Haves

• 3+ years of professional experience building native iOS apps in Swift.
• Experience shipping at least one production app (preferably consumer-facing).
• Strong understanding of:
• Modern iOS stack: SwiftUI, Combine, Async/Await
• Architecture patterns: MVVM, DI, Router, etc.
• Comfortable integrating backend APIs, handling authentication, and managing error/edge cases.
• Experience writing unit tests with XCTest or Swift Testing, and familiarity with CI workflows.
• A high attention to UX details: loading states, empty states, error messaging, edge-case handling.
• Clear and proactive communication skills in a remote, async-friendly environment.

Nice-to-Haves (Big Plus)

• Experience in fintech, banking, payments, or credit-focused products.
• Experience integrating third-party SDKs such as Plaid.
• Familiarity with secure data handling, encryption, or compliance-bound environments.
• Experience with App Store subscriptions (StoreKit 2).
• Exposure to modular architectures or scaling apps to large user bases.
• Experience collaborating with QA on automation or regression testing.

Why Join Now

• Real impact: Your work will directly help people build life-changing credit histories.
• Greenfield ownership: Influence the architecture, tools, and quality standards from day one.
• Tight-knit, senior team: Fast feedback loops, plenty of mentorship, and meaningful responsibility.
• Massive upside: We’re not just building a credit-building app—we’re building financial infrastructure that can expand to power other fintechs in the future.