Senior Backend Engineer - Payments & Lending

About Us 🚀 Bridgit is a leading non-bank lender transforming the way Australians access property equity. Purpose-built to make property transactions faster and easier, we pioneered the Buy Now, Sell Later solution - empowering homeowners to unlock their property equity and move on their terms. With a simple digital application, fast approvals, and flexible loan options, we're making property finance seamless and stress-free. We're now five years old and making huge strides. We've accredited over three-quarters of Australia's broker network, and launched white label solutions with Australia's largest aggregators - Connective, Aussie Home Loans, Finsure, and Loan Market Group - and we're just getting started. Our momentum has been recognised with awards including Best Growth Story at the 2025 Fintech Awards, the 2025 Finder People's Choice Award for Lending Innovation, Deloitte's Tech Fast 50 2025, and a place among LinkedIn's Top 20 Startups in Australia 2025. The difference you'll make: Money that moves through Bridgit has to be right, to the cent, every time. As a Senior Backend Engineer in our banking squad, you'll own the systems that make that true: the double-entry ledger, accounting engine, and payment flows that record every drawdown, repayment, interest accrual, and fee across the life of a loan. This is a hands-on senior role for someone who genuinely enjoys the hard parts of financial engineering - correctness under concurrency, idempotent money movement, reconciliation, and audit trails you'd stake the business on. You'll design and build these systems end to end, set a high technical bar through your own work and code reviews, and directly shape how reliably our customers manage their funds throughout their home-owning journey. What you'll do: Design, build, and own our double-entry ledger and accounting engine - the chart of accounts, journal entries, postings, and balances that record every movement of money across loan origination, drawdowns, repayments, interest, and fees.Build idempotent, fault-tolerant transaction flows and integrate with payment rails and banking partners (e.g. NPP/PayTo, BECS/direct entry, card and settlement providers).Implement interest accrual and calculation, settlement, and fee logic with a level of correctness and consistency appropriate to regulated financial data.Design and run reconciliation processes and immutable audit trails, so every balance can be explained and every discrepancy surfaced early.Write exceptionally well-tested, fault-tolerant code, and treat data integrity, consistency, and auditability as first-class requirements rather than afterthoughts.Guide design discussions and code reviews within the squad, championing backend best practices and a culture of uncompromising quality and security.Own features end to end - from architecture through to production - and drive the "how" in ambiguous problem spaces.Design for observability, monitoring, and incident response, building systems that are debuggable and auditable in production.Execute data migrations, backfills, and production changes safely in systems where data correctness is critical.Mentor and lift the technical bar across the team through your example, feedback, and reviews. What you'll bring: 5+ years' experience as a software engineer, with a strong focus on backend systems.Hands-on experience building ledger, accounting, or core banking systems - double-entry ledgers, reconciliation, settlements - ideally built or substantially owned from the ground up.Strong grasp of financial domain concepts: double-entry bookkeeping, chart of accounts, reconciliation, interest calculation, settlements, and idempotent transaction handling.Strong backend fundamentals: relational databases, data integrity, transaction isolation, concurrency control, and API design.Experience designing systems with high levels of correctness, consistency, and fault tolerance, especially where financial accuracy is critical.Demonstrated experience working in regulated environments, with an understanding of compliance, auditability, and data governance (e.g. ASIC, APRA, PCI-DSS, SOC 2, or similar).Proven experience owning system architecture for complex, real-world applications, including evolving systems safely over time.Comfortable handling data migrations, backfills, and production changes in systems where getting it wrong is expensive.Thinks from first principles and can break complex system problems down to fundamentals rather than reaching for default patterns.High attention to detail, especially around financial data, edge cases, and production scenarios.Strong communication skills, with the ability to explain technical trade-offs clearly to non-technical stakeholders.A positive, pragmatic attitude and strong interpersonal skills. Nice to have Experience with payment gateways and banking integrations (NPP/PayTo, BECS/direct entry, card rails, or bank partner APIs).Background in lending, fintech, or payments platforms.Familiarity with event-driven architectures and eventual-consistency patterns in a financial context.Experience mentoring engineers or leading technical workstreams (this is a senior IC role, not a management one - but leadership instincts are welcome). Our Culture And Benefits Bridgit values its team - they're the heart of how we build this business. Along with competitive remuneration, slick offices, and the chance to be part of an innovative, agile fintech, we also offer: Extra Leave - Birthday leave plus an additional day of paid leave for life events, celebrations, or a mental health reset.Two Weeks from Anywhere - Work remotely from a location of your choice for two weeks each year.Learning and Development - All employees are encouraged and empowered to engage in professional development, including a number of learning initiatives run internally.Social Events - We have a jam-packed social scene, with events throughout the year to bring the team together! Ready to Make an Impact? If you love the hard problems in financial engineering, and you want to build the infrastructure behind a company reshaping the lending industry, we'd love to chat. Apply now and let's build the future of finance together! 🚀