AI-Native Full-Stack Engineer (Fintech / Payments)

We’re hiring an AI-Native Full-Stack Engineer on behalf of our client, a fintech company building a Merchant Operating System — an all-in-one platform for payments, loyalty and rewards, invoicing, recurring billing, and fraud and chargeback protection. The platform helps online, in-store, and mobile businesses process payments smarter. This is a hands-on role for an engineer who knows the payments domain and uses AI tools as a natural part of everyday development.

• Design, build, and maintain full-stack features using Nest.js, Next.js, and Golang
• Develop backend services in Nest.js and Go, and frontend applications in Next.js
• Integrate and maintain payment service providers and financial APIs (Adyen, Stripe, Checkout.com, Plaid, etc.)
• Develop functionality for payment processing, payouts, recurring billing, invoicing, and loyalty
• Contribute to fraud prevention and chargeback protection features
• Design and optimize data models across SQL and NoSQL databases
• Build and deploy services on AWS with a focus on security, reliability, and scalability
• Use AI-assisted development tools to speed up delivery while keeping code quality high
• Collaborate with the client’s product and engineering team on technical decisions and delivery

• Solid commercial experience as a Full-Stack Engineer with Node.js (Nest.js) and Next.js
• Commercial experience with Golang for backend services
• Proven fintech background — payments, banking, lending, or other financial products
• Hands-on experience integrating payment and financial APIs such as Adyen, Stripe, Checkout.com, or Plaid
• Strong experience with SQL and NoSQL databases
• Practical experience with AWS
• AI-native approach to development — confident daily use of AI coding tools in your workflow
• Availability for full-time engagement for 3+ months
• Experience with fraud detection, risk management, or chargeback handling
• Background working with high-risk merchants or merchant acquiring
• Experience with recurring billing, subscriptions, or loyalty/rewards systems
• Knowledge of PCI DSS and security best practices for handling payment data