Join a high-velocity team founded by former Braintree and PayPal leaders to revolutionize modern card platform management. As a Principal Engineer, you will architect secure, scalable Java-based payment systems, integrate advanced AI-powered development tools into the SDLC, and build critical ledger and wallet functionalities for digital-first organizations globally.
Principal Software Engineer at $145M+ Series B embedded finance platform
Are you a seasoned engineer ready to redefine the future of payments? Join a $145M+ Series B embedded finance leader founded by the visionaries behind Braintree and PayPal. We are looking for a Principal Software Engineer in San Francisco to architect secure, scalable card issuance platforms using Java and cutting-edge AI-powered development tools. With a flat hierarchy, direct leadership exposure, and a mission to solve payment use cases that don't even exist yet, this is your chance to build a category-defining product from the ground up. Enjoy 100% healthcare coverage, equity, and a competitive $190k-$240k salary while working alongside the industry's most advanced payments team.
Overview
Role overview
Company
Highnote
$145M+ Series B embedded finance and card issuance platform backed by Oak HC/FT and Costanoa Ventures
Responsibilities
What you will do
- Architect and write high-quality, robustly tested Java code to build secure card issuer processor products and ledger functionalities.
- Lead the adoption of AI-powered development tools like Claude Code to accelerate design, prototyping, and the full software development lifecycle.
- Interface across multiple company domains to document and strengthen a rapidly-scaling platform that solves complex, real-world payment use cases.
Candidate profile
Who this is a fit for
- 12+ years of experience building production software systems with a mastery of scalable, performant, and maintainable backend engineering.
- Deep proficiency in Java (11+), JPA/ORM mapping, and SQL, with a strong interest in learning and implementing AI agent frameworks.
- Demonstrated passion for shipping customer-centric software and a drive to push the boundaries of engineering productivity using modern AI tools.
What makes it remarkable
Why this role is remarkable
- Build from the ground up at a flat organization where you have direct exposure to a leadership team comprised of payments industry veterans from PayPal and Lending Club.
- Influence the future of embedded finance with a company that has raised over $145M from top-tier investors like Westcap and Pinegrove Venture Partners.
- Work in a hybrid San Francisco environment that prioritizes face-to-face connection while providing a generous home office stipend and 100% healthcare coverage.
Jack & Jill
How Jack & Jill work together
Meet Jack
Jack gets to know what you're great at and what you want next, then searches 14 million jobs daily and introduces you directly to hiring managers.
How does this work?
Jack's an AI agent for job searching and career coaching. He works for you.
Jill is the AI recruiter working for the company. She recruits from Jack's network.
If it's a match and the company wants to meet you, they'll make the intro. In the meantime, if you'd like, Jack will send you excellent alternatives.