Software Engineer II

About the role

We are looking for a Software Engineer to join our small and high performing team in Canada. The role is hybrid with a few days in office and a few days at home.

At Fincentify, software engineers are responsible for building the systems & products that empower hundreds of thousands of credit consumers across Canada and the United States.

To succeed at Fincentify, our engineers must be critical thinkers who know how to dissect the problem as proficiently as they know how to build the solution. While the bar is set high for engineering output, we value your commercial acumen just as much. That includes the ability to be intellectually flexible, change course and iterate to drive better outcomes.

If you are an over-achiever, hard worker and love to have your work measured by outcome and impact, we are the team for you.

What you’ll do

• Own, build, and improve services and features across our backend systems, focusing on scalability, maintainability and performance.

• Ship full-stack features end-to-end: product discovery, scoping, implementation and release.

• Make pragmatic calls in ambiguous situations; unblock yourself and others without waiting on perfect specs.

• Improve existing surfaces: refactor opportunistically, pay down tech debt without slowing delivery.

• Write and test production quality code to ensure correctness and performance.

• Raise the bar on the team: share context, bring area expertise, and challenge decisions when the trade-offs don’t make sense.

• Champion & push best practices for AI-native development, creating patterns and abstractions that enable rapid iteration with tools like Claude Code.

What we’re looking for

• We are looking for engineers with min. 4 years of relevant experience in the industry; can deliver strong results mostly independently with occasional guidance.

• University degree (min. Bachelors) in Computer Science or Engineering or Mathematics from a reputable university in Canada or in the United States.

• Strong computer science & engineering fundamentals. Mastery of algorithms, data structures and system design.

• Expert-level proficiency in TypeScript, Node JS, React JS and React Native

• Demonstrated ability to leverage AI development tools to accelerate delivery while maintaining code quality and architectural integrity.

• Excellence in designing clean, testable, and well-documented code that serves as an effective context for AI assistants.

Nice to have

• Experience building and operating systems where correctness and reliability are critical (payments, trading, risk management, or other high-stakes domains).

How we work

• Outcome-driven: engineers are accountable for outcomes and real impact, not lines of code, nor time spent and effort.

• Direct feedback: we value and expect clear, candid communication across all team members.

• Velocity with discipline: high throughput, but not at the expense of correctness or reliability.

• Data over ego: arguments are won with evidence and reasoning, not titles or emotions.

Compensation

Total target cash compensation: CAD $172,000 – $200,750 for FY2026.

• Base salary: CAD $130,000 – $155,000, based on experience and demonstrated ability. Base is the foundation of how we pay — competitive, certain, and reviewed on impact rather than on a fixed annual cycle.

• Individual performance bonus: 15% of base salary ($19,500 – $23,250) paid out in lump sum.

• Profit sharing: estimated ~CAD $22,500 for FY2026. Every engineer receives an equal part of the company’s profit sharing pool, paid out in cash annually.

Benefits

• Comprehensive health, dental & vision coverage plan

• 20 PTO days per calendar year + unlimited sick days

• $1,000 per year in your Health Spending Account

• $1,000 per year in your Wellness Lifestyle Account

• Yearly company retreat

• Paid parental leave

• Relocation stipend available for out-of-province candidates