Backend Software Engineer, Credit Cards & Banking

<div class="content-intro"><h2>Join us in building the future of finance.</h2> <p>Our mission is to democratize finance for all. <a href="https://www.cerulli.com/press-releases/cerulli-anticipates-124-trillion-in-wealth-will-transfer-through-2048" target="_blank">An estimated $124 trillion of assets</a> will be inherited by younger generations in the next two decades. The largest transfer of wealth in human history. If you’re ready to be at the epicenter of this historic cultural and financial shift, keep reading.</p></div><h2><strong>About the team + role</strong></h2> <p data-start="293" data-end="736">We are building an elite team, applying frontier technologies to the world’s biggest financial problems. We’re looking for bold thinkers. Sharp problem-solvers. Builders who are wired to make an impact. Robinhood isn’t a place for complacency, it’s where ambitious people do the best work of their careers. We’re a high-performing, fast-moving team with ethics at the center of everything we do. Expectations are high, and so are the rewards.</p> <p data-start="738" data-end="1063">The Money Platform team is the foundation of Robinhood's credit card and money products. We design and operate the critical systems that power seamless, customer-centric financial experiences at scale. Our systems support real-time transactions and robust financial operations with an emphasis on reliability and performance.</p> <p data-start="1065" data-end="1449">As a Software Engineer on the Money Platform team, you’ll build backend systems that enable Robinhood’s most ambitious financial products. From scaling payment infrastructure to designing secure, high-throughput services, you’ll contribute to the technical backbone of our money movement and credit card systems. Your work will directly impact the experience of millions of customers!</p> <p class="p1"><strong>This role is based in our Bellevue, WA, Menlo Park, CA or New York, NY office(s), with in-person attendance expected at least 3 days per week.&nbsp;</strong></p> <p class="p1">At Robinhood, we believe in the power of in-person work to accelerate progress, spark innovation, and strengthen community. Our office experience is intentional, energizing, and designed to fully support high-performing teams.</p> <h2><strong>What you’ll do</strong></h2> <p>Join a high-impact team that’s scaling to meet Robinhood’s growth and evolving product needs. In this role, you’ll:</p> <ul> <li>Build and launch major new features that power Robinhood’s flagship credit card and money offerings.</li> <li>Solve complex engineering challenges, from scaling distributed systems to ensuring rock-solid performance.</li> <li>Design systems that will support millions of users while enabling seamless integrations with world-class financial partners.</li> <li>Drive innovation at the intersection of software engineering and financial technology, shaping the backbone of the Robinhood Credit Card's success.</li> <li>Collaborate with a team of exceptional engineers who challenge and inspire you to reach beyond your potential.</li> </ul> <h2><strong>What you bring</strong></h2> <p>You’re a creative problem solver with a passion for building reliable, high-performance systems that scale. You thrive in fast-paced environments and are excited about taking on complex challenges. You have:</p> <ul> <li>A track record of designing, building, and shipping highly scalable and secure systems.</li> <li>Experience with distributed systems, backend engineering, or platform development in high-growth environments.</li> <li>An approach of continuous improvement, always pushing yourself and your peers to raise the bar.</li> <li>A passion for collaborating with A+ teammates, creating a culture of excellence, trust, and shared success.</li> <li>A customer-focused zeal with a commitment to delivering exceptional product experiences.</li> </ul> <p>The ability to balance strategic thinking with execution, making thoughtful trade-offs to deliver results..</p> <h2><strong>What we offer</strong></h2> <ul> <li data-start="2896" data-end="2947">Challenging, high-impact work to grow your career</li> <li data-start="2950" data-end="3075">Performance driven compensation with multipliers for outsized impact, bonus programs, equity ownership, and 401(k) matching</li> <li data-start="3078" data-end="3205">Best-in-class benefits to fuel your work, including 100% paid health insurance for employees with 90% coverage for dependents</li> <li data-start="3208" data-end="3305">Lifestyle wallet – a highly flexible benefits spending account for wellness, learning, and more</li> <li data-start="3308" data-end="3399">Employer-paid life &amp; disability insurance, fertility benefits, and mental health benefits</li> <li data-start="3402" data-end="3503">Time off to recharge including company holidays, paid time off, sick time, parental leave, and more</li> <li data-start="3506" data-end="3592">Exceptional office experience with catered meals, events, and comfortable workspaces</li> </ul><div class="content-pay-transparency"><div class="pay-input"><div class="description"><p><strong>In addition to the base pay range listed below, this role is also eligible for bonus opportunities + equity + benefits.</strong></p> <p>Base pay for the successful applicant will depend on a variety of job-related factors, which may include education, training, experience, location, business needs, or market demands. The expected base pay range for this role is based on the location where the work will be performed and is aligned to one of 3 compensation zones. For other locations not listed, compensation can be discussed with your recruiter during the interview process.</p> <p><span style="text-decoration: underline;">Base Pay Range:</span></p></div><div class="title">Zone 1 (Menlo Park, CA; New York, NY; Bellevue, WA; Washington, DC)</div><div class="pay-range"><span>$166,000</span><span class="divider">&mdash;</span><span>$195,000 USD</span></div></div><div class="pay-input"><div class="title">Zone 2 (Denver, CO; Westlake, TX; Chicago, IL)</div><div class="pay-range"><span>$147,000</span><span class="divider">&mdash;</span><span>$172,000 USD</span></div></div><div class="pay-input"><div class="title">Zone 3 (Lake Mary, FL; Clearwater, FL; Gainesville, FL)</div><div class="pay-range"><span>$130,000</span><span class="divider">&mdash;</span><span>$152,000 USD</span></div></div></div><div class="content-conclusion"><p>Click <a href="https://careers.robinhood.com/benefits" target="_blank">here</a> to learn more about our Total Rewards, which vary by region and entity.</p> <p>If our mission energizes you and you’re ready to build the future of finance, we