Senior Ruby on Rails Engineer

We're looking for a Senior Ruby on Rails Engineer to join Payforge and help build a new fintech product from the ground up. This is an incubator, not a feature team — you'll help define the problem, shape the architecture, and build the services that move money, manage accounts, and integrate with the providers that power modern financial products. Beyond strong technical expertise, we're looking for someone who brings clarity, speed, and high ownership, and who can move a product forward when the problem, the provider, the architecture, and the go-to-market are all still being defined.

Key Responsibilities

Design, develop, and own backend services in a Ruby 3.4 / Rails 8 API on PostgreSQL, with GraphQL as the main application contract and DDD / subdomain-oriented business modules. Take features end-to-end across the stack — from data modeling and GraphQL APIs through to the React 18 + TypeScript UI (Nx/Yarn monorepo, Apollo/GraphQL, Chakra/Pie, Rspack). Design and operate background and async workflows using GoodJob, an event-publishing system, scheduled jobs, ActionCable/WebSockets, and Redis. Integrate with fintech provider APIs (Stripe, Unit, Increase, Column, and similar) for treasury, banking, cards, and payments capabilities. Build core money-movement primitives — ledgering, KYC/KYB flows, and provider integrations — with correctness, auditability, and reliability as first-class concerns. Ship to production through Docker images, Buildkite, and Kubernetes on AWS (S3, SQS, Lambda, Bedrock), with observability via Datadog/StatsD and Sentry. Write high-quality, testable, and maintainable code, with strong automated test coverage across the stack (Vitest/RTL and Cypress on the frontend). Participate in code reviews, continuous improvement of CI/CD pipelines and deployment workflows, and the engineering practices of an early-stage team. Make pragmatic calls between "do it right" and "do it now" as the product and architecture evolve. Skills & Experience Experience: 5+ years of professional software engineering experience, with strong hands-on Ruby on Rails delivery. Technical expertise: Strong knowledge of Ruby 3.4 and Rails 8, building API-first applications with GraphQL as the primary contract. Solid PostgreSQL and data-modeling skills, with experience structuring DDD / subdomain-oriented business modules in a modular codebase. Experience with background and async work — GoodJob (or equivalent), scheduled jobs, event publishing, ActionCable/WebSockets, and Redis. Comfort working across the frontend in a React 18 + TypeScript Nx/Yarn monorepo (Apollo/GraphQL, Chakra/Pie, Rspack, Vitest/RTL, Cypress) — full-stack comfort is a real advantage given the end-to-end ownership. Knowledge of Docker, Buildkite, and Kubernetes, plus AWS services such as S3, SQS, Lambda, and Bedrock. Familiarity with observability and error tracking using Datadog/StatsD and Sentry. Fintech: Hands-on experience shipping treasury, banking, cards, or payments products; familiarity with KYC/KYB, ledgering, and provider APIs (Stripe, Unit, Increase, Column) is highly desirable. What we value? This is an incubator, not a feature team — we need people who behave like founders: High ownership & agency – take outcomes end-to-end; decide and move; don't wait for direction. Scrappy – make the right call between "do it right" and "do it now." Thrive in ambiguity – comfortable when the problem, provider, architecture, and go-to-market are all still being defined. Fintech experience – hands-on shipping treasury/banking/cards/payments, and familiar with the realities of ledgering, compliance, and provider integrations. About Payforge Payforge is a specialist professional-services company focused exclusively on payments and fintech. We help clients deliver high-quality, scalable technology solutions in an evolving global financial landscape. Equal Opportunity Statement Payforge is proud to be an equal-opportunity employer. All qualified applicants will receive consideration without regard to race, colour, religion, sex, sexual orientation, gender identity, national origin, disability or veteran status. We welcome applicants from all backgrounds. Apply To This Job