Sr. Backend Engineer

Achieve is a leading digital personal finance company. We help everyday people move from struggling to thriving by providing innovative, personalized financial solutions. By leveraging proprietary data and analytics, our solutions are tailored for each step of our member's financial journey to include personal loans, home equity loans, debt consolidation, financial tools and education. Every day, we get to help our members move their finances forward with care, compassion, and empathetic touch. We put people first and treat them like humans, not account numbers.

Since 2002, Achieve has grown into one of the largest private consumer fintech unicorns in the U.S., with over $40B in enrollments for our industry-leading, tech-enabled debt resolution services business, and over $11Bn in personal and home loans originations via our banking-as-a-service partner. 

As a Senior Backend Engineer on this team, you won't just be building CRUD apps—you’ll be building high-throughput engines that process real-time signals to deliver the right message, at the right time, across email, SMS, and in-app experiences.

Ideally seeking candidates in the Phoenix, AZ metro area

The Tech Stack

• Language: Go (Golang)
• Messaging: GCP-Managed Kafka (the backbone of our real-time event processing)
• Data: MySQL (Cloud SQL) & Redis (for low-latency profile lookups)
• Cloud: Google Cloud Platform (GCP) & Kubernetes (GKE)

What You’ll Do

• Build the "Brain": Architect and scale high-performance Go-based microservices that power our personalization engine, leaning into native real-time, event-driven architectures to process member data as it happens.
• Master the Stream: Use GCP-managed Kafka to ingest millions of member signals (behavioral data, application status, financial markers) and trigger personalized workflows.
• Optimize for Latency: Ensure that personalization logic is calculated and delivered in milliseconds so that our user experience remains fluid and responsive.
• Modern Engineering Workflow: Accelerate your development cycle by integrating the latest AI tools and coding assistants (like GitHub Copilot or Cursor) to reduce boilerplate and focus on solving high-level architectural challenges.
• Data-Driven Collaboration: Partner closely with our Data Science (BI) team to translate deep member insights and complex data sets into actionable, programmatic logic within our Go ecosystem.
• Drive Engineering Excellence: Lead by example with high-quality code, comprehensive testing (unit/integration), and robust observability in a GCP environment.

Who You Are

• Language Agnostic Expert: You are a seasoned engineer with deep expertise in at least one modern backend language (Go, Java, Python, C#, etc.). You care more about software engineering principles, clean code, and design patterns than specific syntax, and you’re excited to work primarily in Go.
• Event-Driven Architect: You have a "Kafka-first" mindset. You understand topics, partitions, and how to build idempotent consumers that handle financial data with care.
• Database Strategist: You are proficient with MySQL, particularly in designing schemas that support fast lookups and complex relational data.
• Product-Minded Engineer: You care about the customer experience. You want to know how your code helps a member resolve their debt or secure a loan.
• Culture Add: You embody our core values: Care, Get Better, Collaborate, and Act with Integrity

Achieve well-being with:

• Hybrid and remote work opportunities
• 401 (k) with employer match
• Medical, dental, and vision with HSA and FSA options  
• Competitive vacation and sick time off, as well as dedicated volunteer days
• Access to wellness support through Employee Assistance Program, Talkspace, and fitness discounts
• Up to $5,250 paid back to you on eligible education expenses
• Pet care discounts for your furry family members
• Financial support in times of hardship with our Achieve Care Fund
• A safe place to connect and a commitment to diversity and inclusion through our six employee resource groups

Note: We will be unable to facilitate H1-B Visa transfer or sponsorship, along with STEM-OPT Visa.

Work from home/hybrid:

We are proudly offering hybrid options in the Phoenix, AZ metro area.

Salary Range: $150,000 to $170,000 salary + bonus  + benefits.

This information represents the expected salary range for this role. Should we decide to make an offer for employment, we'll consider your location, experience, and other job-related factors.

Join Achieve, change the future.

At Achieve, we’re changing millions of lives.
From the single parent trying to catch up on bills to the entrepreneur needing a loan for the next phase of growth, you’ll get to be a part of their journey to a better financial future. We’re proud to have over 3,000 employees in mostly hybrid and 100% remote roles across the United States with hubs in Arizona, California, and Texas. We are strategically growing our teams with more remote, work-from-home opportunities every day to better serve our members. A career at Achieve is more than a job—it’s a place where you can make a true impact, have a sense of belonging, establish a fulfilling career, and put your well-being first.

Attention Agencies & Search Firms: We do not accept unsolicited candidate resumes or profiles. Please do not reach out to anyone within Achieve to market your services or candidates. All inquiries should be directed to Talent Acquisition only. We reserve the right to hire any candidates sent unsolicited and will not pay any fees without a contract signed by Achieve’s Talent Acquisition leader.