Staff Engineer - Embedded Finance & AI

About Reap Reap is a global financial technology company headquartered in Hong Kong with employees across multiple countries. We enable financial connectivity and access for businesses worldwide by combining traditional finance with stablecoins for efficient money movement. Through our stablecoin-powered corporate cards, payments, and expense management tools, we streamline financial operations and help businesses scale. Our APIs enable businesses to integrate stablecoin-enabled finance into their own products and services—from issuing Visa cards to facilitating cross-border payments. Backed by leading investors including Acorn Pacific, Index Ventures and HashKey Capital, Reap is building the future of borderless, stablecoin-enabled finance. About The Role Reap's embedded finance platform powers the card issuing and financial infrastructure that our clients and partners depend on. As Reap scales across new markets and use cases, the platform needs to evolve: from architecture and scalability, to technical debt, to how we build software with AI. As a Staff Engineer, you will be the senior IC technical owner of this evolution. This is not a management role — it is a high-leverage engineering leadership position for someone who drives change through technical excellence, systems thinking, and cross-team influence. You'll set the architectural direction for the platform, lead AI adoption across engineering teams, and work closely with Card Engineering Managers to ensure platform initiatives land in product. What You’ll Do Define and drive the technical roadmap for the embedded finance platform: scalability improvements, architectural modernisation, and tech debt resolutionLead the adoption of AI-assisted engineering across Reap's Product Engineering teams — from AI-augmented development workflows (e.g., Claude Code, LLM-assisted code review) to agentic automation of repetitive engineering processesWork closely with Card Engineering Managers to align platform direction with product delivery needs, and provide hands-on technical guidance on complex problemsIdentify systemic engineering quality issues and build the case — and the plan — to address themServe as a technical anchor for senior engineers across the Card domain: conducting design reviews, setting standards, and mentoring Platform Architecture & Scalability Lead architecture review and modernisation of embedded finance systems — service boundaries, data models, API contracts, event flowsIdentify and resolve scalability bottlenecks before they become production constraintsDefine reusable patterns and standards that Card Engineering teams can build onDrive platform initiatives end-to-end: from RFC through to production delivery and stability Tech Debt Management Conduct systematic audits of technical debt across the codebasePrioritise and sequence debt remediation alongside product delivery workAdvocate for and lead refactors that have long-term impact on engineering velocity and reliability AI Enablement & Process Improvement Lead Reap's AI adoption strategy at the engineering team level — defining what "good" looks like for AI-assisted software developmentBuild and maintain reusable AI tooling, prompt patterns, and SDLC workflows (e.g., CLAUDE.md standards, agentic code review, automated test generation)Identify engineering processes where AI can reduce toil and improve quality — and drive those improvements into practiceTrack and report on AI adoption signals across Product Engineering teams Technical Leadership (IC) Work closely with Card EMs to shape platform roadmap priorities and resolve technical dependenciesConduct architecture and design reviews for high-impact initiativesSet engineering standards for code quality, observability, testability, and reliability across the Card domainMentor Staff and Senior engineers; elevate the technical bar across teams What We’re Looking For 10+ years of software engineering experience, with a track record of technical leadership at Staff or Principal levelDeep experience in distributed systems, API platform architecture, or financial infrastructure at scaleDemonstrated ability to drive large, complex technical initiatives across multiple teams without direct authorityStrong systems thinking: able to reason about fault-tolerance, observability, data consistency, and performance at scaleClear and compelling communicator — can write RFCs, lead design reviews, and present technical direction to engineering and executive audiencesGenuine interest in AI/LLM tooling and its application to software engineering workflowsHands-on experience with AI-assisted development tools (e.g., Claude Code, GitHub Copilot, Cursor) and integrating them into engineering team workflowsOur main stack is TypeScript, Node.js, NestJS, and AWS Nice to Have Experience in fintech, card issuing, payments, or API platform infrastructureExperience defining and tracking engineering metrics (DORA, AI-augmented output, platform reliability)Familiarity with card Issuing/embedded finance product models and card network infrastructure (Visa, Mastercard, Thredd or equivalent)Experience leading technical uplift programs: reducing tech debt at scale, improving test coverage, migrating legacy systemsFamiliarity with observability tools (New Relic, Datadog, OpenTelemetry) and CI/CD automation Your Adventure Benefits High-ownership, high-impact role at the frontier of stablecoin-powered financeWork directly with strategic partners and shape how Reap expands its financial ecosystemOperate with significant autonomy as Reap's technical owner of a key partnershipJoin a high-caliber team across engineering, product, and operationsInsurance coverage after probationReap Card stipendUse of AI tools at work — and the space to learn, experiment, and grow with themA culture of innovation, inclusion, and continuous learning After submitting your application, please check your inbox for a confirmation email. 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