Dave vs. Goliath. We’re Dave.

Dave is a financial app on a mission to build products that level the financial playing field. It is redefining the financial landscape by leveraging technology to create an affordable, transparent, and user-centric access to liquidity for millions of Americans. As a leading innovator in the U.S. financial services sector, Dave’s digital financial platform offers products designed to meet the credit needs of those underserved by traditional financial institutions. Dave’s offerings include its flagship ExtraCash product, providing members up to $500 in short-term advances within minutes. The company is on track to launch several new product offerings in 2026, including a Buy Now Pay Later (BNPL) option.

Dave is focused on serving Americans who are financially vulnerable or living paycheck to paycheck. Dave is leading the charge in creating a new era of credit products that prioritizes speed, affordability, and accessibility, making it the go-to financial partner for those who need it most.

The Opportunity

We’re hiring a Senior Software Engineer, Backend to help build the systems that power Dave’s settlements and repayment infrastructure.

This team designs the services that determine how members repay advances in ways that are flexible, reliable, and responsible. You’ll work closely with banking, payments, product, and data teams to design systems that handle real financial transactions at scale. The work touches core platform capabilities and directly impacts how members experience Dave.

This is a new role as the team expands. You’ll help shape how these systems evolve as Dave continues to grow.

What You’ll Build and Own

• Design and implement backend services that support repayment orchestration, payment processing, and settlement workflows.

• Build scalable APIs and systems that are reliable, observable, and resilient in production.

• Partner with product managers, designers, and engineers to translate member and business needs into durable technical solutions.

• Improve the long-term health of the codebase through thoughtful refactoring, testing, and architectural improvements.

• Participate in code reviews that strengthen engineering craft and help the team maintain consistent standards.

• Investigate and resolve production issues while improving monitoring, logging, and system observability.

The Impact

Your work will power critical financial flows that help millions of Dave members manage and repay advances. Reliable systems here directly influence member trust, product performance, and Dave’s ability to scale responsibly.

What We’re Looking For

Experience and Technical Foundation

• Bachelor’s degree in Computer Science or a related field, or equivalent practical experience

• 4+ years of backend software engineering experience

• Experience designing and building RESTful APIs and backend services

• Strong understanding of software design patterns, system architecture, and distributed systems fundamentals

• Experience debugging and operating production systems

• Comfort working in collaborative engineering environments with shared ownership of systems

Bonus Experience

• Experience building payment, fintech, or transaction-based systems

• Familiarity with data-driven systems or machine learning integrations

• Experience working with high-scale backend platforms

What Makes Someone Successful Here

You take responsibility for outcomes, not just tasks. You care about building systems that hold up over time and look beyond the immediate ticket to understand how your work affects the broader product, member experience, and platform reliability. You make thoughtful trade-offs between speed and durability and ask questions that help clarify the best path forward.

You also work well across teams. Many of the systems you’ll touch connect with payments, banking infrastructure, and data platforms. Success in this role comes from collaborating closely with product managers, data scientists, and other engineers, sharing ideas openly, and using feedback to improve both systems and how the team works together.

What to Expect

At Dave, engineers have real ownership of the systems they build. Priorities evolve as we learn from member behavior and product data, and engineers help shape solutions as much as they implement them. The environment is collaborative, pragmatic, and focused on building systems that scale responsibly.

Why Join Dave

• Build financial technology that helps people living paycheck to paycheck

• Work on systems that directly impact millions of members

• Collaborate with thoughtful engineers, product leaders, and data teams

• Contribute to a growing, profitable public fintech company

Ready to build for the underdog?

Don’t let imposter syndrome get in your way of an incredible opportunity. We’re looking for people who can help us achieve our mission and vision, not just check off the boxes. If you’re excited about this role, we encourage you to apply. You may just be the right candidate for this or other roles.

Why you’ll love working here: 

At Dave, our people are just as important as our product. Our culture is a reflection of our values that guide who we are, how we work, and what we aspire to be. Daves are member centric, helpful, transparent, persistent, and better together. We strive to create an environment where all Daves feel valued, heard, and empowered to do their best work. As a virtual first company, team members can live and work anywhere in the United States, with the exception of Hawaii. 

A few of our benefits & perks:

💚 Opportunity to tackle tough challenges, learn and grow from fellow top talent, and help millions of people reach their personal financial goals

💻 Flexible hours and virtual first work culture with a home office stipend

🏥 Premium Medical, Dental, and Vision Insurance plans

👶 Generous paid parental and caregiver leave

💰 401(k) savings plan with matching contributions

📈 Financial advisor and financial wellness support

🏖️ Flexible PTO and generous company holidays, including Juneteenth and Winter Break

🎉 All-company in-person events once or twice a year and virtual events throughout to connect with your team members and leadership team

Dave Operating LLC is proud to be an Equal Employment Opportunity employer and is dedicated to cultivating a diverse and inclusive workplace. We will consider for employment all qualified applicants and do not discriminate on any basis protected by federal, state, or local law, including the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance relating to an applicant's criminal history.

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