About the Role

As a Senior Backend Software Engineer on the DAO team, you will design, build, and maintain scalable systems that deliver a first-class experience for both Credit Union members and staff — ultimately driving the growth in newly opened accounts.

This role offers a unique opportunity to work closely with our Product and Design teams, as well as collaborate with external partners, giving you the chance to strengthen skills beyond engineering, such as communication, product thinking, and negotiation.

About the Team

Credit Unions (CUs) strive to offer their members loans with competitive interest rates. To make this possible, the greater the members’ investment in the CUs, the more favorable the rates become. That’s why Digital Account Opening (DAO) plays such a critical role at Clutch — it enables customers to seamlessly open new accounts (e.g., Savings, Checking) and start investing their money, strengthening the overall financial ecosystem.

The team has skilled full stack engineers who collaborate closely to tackle challenging problems. We foster a supportive and hands-on environment where everyone contributes to designing and building secure, scalable solutions.

Our team thrives on collaboration, innovation, and a shared commitment to standardizing our solutions across all company products in a secure and efficient way.

What You’ll Do

Within 3 months, you will:

• Be fully onboarded to your new team, familiarizing yourself with Clutch’s tools, processes, and culture.
• Build strong relationships with your team members, leader, and cross-functional stakeholders.
• Work in collaboration with developers and other stakeholders to enhance our platform.

Within 6 months, you will:

• Ensure high-quality code, and enabling the efficient delivery of features and improvements.
• Write elegant, efficient, and testable code that is easy to maintain and debug.
• Take care of configurations and processes documentation so stakeholders understand how to use the platform

Within 9 months, you will:

• As a true teammate, continuously improve the team’s processes, brainstorm ideas, and communicate statuses, and progress
• Deliver a lot of new stuff to our products
• Start identifying opportunities to deliver faster, reliable solutions and make initial contributions to architectural improvements.

What You’ll Bring

• 7+ years as a Software Engineer in a fast-paced environment, preferably in SaaS and/or Fintech
• Proficiency in backend technologies, preferably: TypeScript, NodeJS and NestJS.
• Strong problem-solving skills and the ability to write clean, maintainable code.
• You must have excellent English communication skills.
• Ability to work collaboratively in a remote-first environment.

Please note that this role may evolve as our business needs change, so we appreciate your flexibility and adaptability.

What’s In It For You?

• Remote Flexibility: Enjoy the freedom of remote work from anywhere, balancing life and career seamlessly.
• Unforgettable Off-Sites: Twice a year, bond with colleagues in exciting destinations, fostering teamwork and fresh ideas.
• Paid Time Off and National Holidays: Enjoy 20 PTO days yearly and the National Holidays for relaxation and rejuvenation.
• Stock Options: Joining us means having a stake in our success, so you'll receive stock options as part of your compensation package.
• Home Office Setup: Create your ideal workspace with a dedicated budget for home office essentials.
• Work Trip Budget: Grow personally and professionally with a budget for work-related trips and co-working.

About Us

Clutch is a revolutionary vertical SaaS company, proudly backed by Andreessen Horowitz (A16z), aimed at revolutionizing the way Credit Unions engage and change the lives of their members. As a champion of financial well-being, we address the urgent need for affordable lending solutions in an era where the average American grapples with over $155,000 in household debt. Unlike traditional financial institutions, Clutch develops software to turn Credit Unions into FinTech lenders and leverage their balance sheets to responsibly lend to over 130M Americans. Our mission extends beyond mere financial transactions; we strive to fundamentally enhance the way credit unions interact with their members. By integrating cutting-edge technologies and user-centric designs, we help credit unions provide seamless digital experiences that are on par with leading tech companies. This approach not only preserves but revitalizes the longstanding tradition of community and member-focused service inherent to credit unions.

Please note: This position is offered on a contractor basis. Applicants must have the necessary documentation and authorization to work in the country where the job is located. Clutch cannot provide sponsorship or assist with obtaining work permits for this role.

A Note About AI at Clutch

We love AI. We use it often and encourage our team to creatively and effectively leverage AI tools in their work. If you join Clutch, we hope you'll bring the same enthusiasm for exploring how AI can amplify impact, productivity, and innovation.

That said, during the interview process, we want to hear your thoughts. Please approach interviews without the use of AI tools—our goal is to get to know how you think, solve problems, and communicate. Once you're in the seat, bring on the prompts!