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doxo was founded on a simple but powerful mission: to empower and protect consumers by making bill pay simple, secure, and transparent. We’ve built the first truly ubiquitous bill pay experience that works with any payment method, any bank, and any biller, giving households control over how they manage their financial obligations. doxoBILLS is the only bill pay service built around the user, delivering independence and flexibility no bank- or biller-centered solution can match. Our platform brings everything needed to manage and pay household bills into one seamless experience, combining doxoBILLS six essential protections that help Americans stay in control of their financial lives: - Unified Bill Pay Calendar – All due dates, reminders, and payments organized in one intelligent view. - Private Pay Wallet™ – Protects sensitive payment information from being shared across billers. - Real-Time Bank Balance and FREE Payments with Linked Bank Account – Link to over 10,000 U.S. banks and credit unions to pay for FREE and avoid overdrafts. - $1M Identity Theft Protection – Industry-leading coverage that keeps users secure. - Credit Score Protection – Tools that monitor and safeguard credit health. - Insights – Actionable visibility into bills, payments, and spending trends. The Bill Pay Economy™ represents over $4.55 trillion in consumer spending each year. Americans lose billions annually to hidden costs such as overdraft fees, late charges, and fraud. At doxo, we’re redefining the way people pay bills by eliminating these unnecessary costs and simplifying one of life’s most stressful financial routines. Today, over 10 million people across 97% of U.S. ZIP codes use doxo to pay tens of millions of bills to more than 120,000 billers across 45 service categories—including utilities, housing, insurance, loans, and more. Users have connected over 6,500 distinct banks and credit unions, making doxo the first platform to bring bill pay portability and free payments to consumers nationwide. Built on our proprietary Bill Pay Operating System (Bill Pay OS), doxoBILLS delivers a secure, modern payment experience that replaces the outdated, fragmented systems that frustrate both consumers and billers. At doxo, we believe financial health starts with clarity, control, and security. Our team is driven by a shared passion to help households across America organize, automate, and protect their bill payments—so they can focus on what matters most.
Senior Software Engineer
Location
Washington
Posted
56 days ago
Salary
$130K - $180K / year
Seniority
Senior
Job Description
Senior Software Engineer
doxo
Full Title: Senior Software Engineer, Platform Location Bellevue, WA. This role offers the flexibility to primarily work remotely, with team members typically going into the office 1-2 times per month for collaborative activities such as team design sessions and company events. Role Overview You will be instrumental in designing, developing, and operating the critical backend services and APIs that power our innovative bill pay platform. Working in a dynamic startup environment, you'll leverage your expertise to build scalable, resilient, and secure systems. This role requires a blend of strong technical leadership, hands-on development, and a commitment to operational excellence, as you contribute to the core infrastructure that drives our company's success. About You You're more than just a developer; you're a pragmatic and driven engineer who thrives on building impactful solutions in a fast-paced environment. You understand that in a startup, especially in the fintech space, balancing thoughtful execution with speed is paramount. You're excited by the prospect of shaping products that handle significant financial transactions and directly contribute to our company's success. We'd love to hear from you if: - You're a Pragmatic Problem-Solver: You have a strong bias for action and excel at finding the right balance between high-quality engineering and rapid delivery. You're intentionally curious, critically assess business goals against technical effort, and won't hesitate to propose thoughtful trade-offs – like how cutting 5% of scope might save 50% of effort – to help us make the right calls. - You Seek to Understand the "Why": You're naturally curious about our business, the fintech landscape, and specifically the bill pay industry. You strive to understand the company's goals because you know it helps you build more effective and targeted solutions. - You Take Ownership of Quality and Security: You see features through from idea to operation, taking deep accountability for their success, reliability, and security. Given that we handle financial transactions, you have an ingrained commitment to software craftsmanship and proactively build robust, secure, and scalable systems. - You're a Collaborative Force: You believe that the best outcomes are achieved through teamwork. You're an excellent communicator, actively share your knowledge, prioritize team goals, and enjoy mentoring fellow engineers, helping to elevate the entire team's capabilities. - You Drive Continuous Improvement: You possess a strong desire to learn and grow, constantly seeking ways to improve not only your own skills but also our team's processes, codebase, and overall engineering culture. - You're Resilient and Adaptable: You navigate ambiguity with confidence and view unexpected challenges or shifting priorities as opportunities to learn and innovate. You're comfortable making architectural decisions that support both immediate needs and long-term scalability. Responsibilities System Design & Architecture: - Contribute to the design of scalable, resilient, and maintainable backend services and APIs. - Evaluate and recommend technologies, tools, and patterns to improve system performance and developer productivity. - Participate in architectural reviews and contribute to the long-term technical vision of the platform. Development & Implementation: - Develop, test, and deploy robust backend features and services using Ruby on Rails. - Design, implement, and secure performant RESTful APIs, ensuring consistency and usability. Write clean, efficient, well-documented, and well-tested code.Operations & Infrastructure: - Own the full lifecycle of your services, from design and development to deployment and operation (“you build it, you run it”). - Participate in a shared on-call rotation schedule to respond to and resolve critical production issues outside of standard business hours. - Contribute to improving CI/CD pipelines and overall operational excellence. Collaboration & Process: - Collaborate effectively with product managers, engineers, and other stakeholders to determine requirements and deliver solutions. - Stay current with industry trends and advancements in backend development and cloud technologies. - Participate in thorough and constructive code reviews, both providing and incorporating feedback to ensure high-quality software development. Qualifications - Bachelor's degree in Computer Science or a related field (or equivalent practical experience). - 5+ years of experience designing, developing, and implementing complex software systems, particularly high-traffic web applications. - Experience with backend development using Ruby on Rails or similar modern MVC web frameworks and object-oriented programming languages (e.g., Python/Django, PHP/Laravel, Node.js/Express). - Experience with designing, building, and consuming RESTful APIs. - Experience with cloud computing platforms (e.g., AWS, GCP, Azure). - Experience with containerization using Docker and orchestration with Kubernetes. - Experience with relational databases (e.g., PostgreSQL, MySQL). - Proficiency with Git (including branching strategies and collaborative workflows) and continuous delivery practices. - Experience building and maintaining background jobs (e.g., Sidekiq, Delayed Job, SQS). Preferred Qualifications - Experience working in a fast-paced startup environment. - Experience within the Fintech industry. - Experience with monitoring and logging tools (e.g., Datadog). - Solid understanding of microservices architectures. - Experience with pub/sub messaging patterns and systems (e.g., RabbitMQ, Kafka, Redis Streams). Who We Are Each year U.S. households spend over $3.8 trillion - about one third of all consumer spending - on recurring bill payments. While staying on top of these bills is the single largest determinant for consumer financial health, organizing and paying them can be a time-consuming and frustrating chore. Since its inception, doxo has been on a mission to simplify and reduce the anxiety of staying on top of bills, empowering consumers to improve their financial health. Our company was founded on the simple idea that there should be an easy and more secure way for consumers to pay all of their bills through a single account, with any payment method, on any device. As consumers shift more bill payments online and to mobile, doxo continues to experience rapid growth. To date, over eight million doxo users across 97% of U.S. zip codes have paid bills through the payment network, across more than 45 different service categories. With more than 120,000 payable billers, doxo’s proprietary, crowd-sourced provider directory is the largest in the nation. doxo is consistently recognized as both an innovative company and a great place to work by the likes of Inc. Magazine, Deloitte, Comparably, and BuiltIn. Come join us as we grow the team to further accelerate growth, forever changing the bill pay landscape to focus on the customer. Why We Are Different doxo is unique in that we have already found product/market fit and that our service is filling an important market need every day. But we are still small enough that every employee, no matter their position, can make a meaningful impact. Because transparency is a priority at all levels across the organization, we are all aware of how our work contributes to the success of our business as a whole. We are agile and work hard to solve difficult problems quickly. We work as a team to get things done and mentor individuals to get to the next level in their career. Our Company Perks and Benefits: - 100% employer-paid medical, dental, and vision coverage for full-time employees - Generous equity grants - 401(k) match to help you save for your future - 15 days PTO to start, plus paid holidays - Charitable donation match - Pet insurance Many Perks and Benefits only apply to Full Time Equivalent roles. The annual base salary for this role is $130,000 - $180,000. Starting pay will be based on several factors and commensurate with qualifications and experience. Stock Options are also part of the compensation package for full time roles.
Benefits
- 401(K), 401(K) matching, Company equity, Company-sponsored outings, Company sponsored family events, Dental insurance, Disability insurance, Family medical leave, Flexible Spending Account (FSA), Generous parental leave, Generous PTO, Company-sponsored happy hours, Health insurance, Job training & conferences, Open door policy, Life insurance, Charitable contribution matching, Open office floor plan, Paid holidays, Onsite office parking, Partners with nonprofits, Pet insurance, Promote from within, Lunch and learns, Remote work program, Free snacks and drinks, Team based strategic planning, OKR operational model, Mandated unconscious bias training, Vision insurance, Some meals provided, Diversity employee resource groups, Hiring practices that promote diversity, Quarterly engagement surveys, Hybrid work model, In-person all-hands meetings, Employee awards, Floating holidays
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