At KOHO, we are dedicated to providing pay transparency to all candidates. Compensation at KOHO is determined through various factors including but not limited to: comparable salary market data within Canada, technical skill assessment, a holistic view of previous work history, and internal pay equity with other KOHO team members.

About KOHO

We’re on a mission to make financial services better for every Canadian. That means no hidden fees, no predatory interest rates - just financial products designed to help our users spend smart, save more, and build real wealth. We’re a performance organization with a strong heart: we care deeply about outcomes, and everything ties back to our mission - to financially empower a generation of Canadians.

At KOHO, we’re not your average 9-5. We believe real impact comes from people who are trusted, empowered, and supported to do their best work - without sacrificing their lives to do it. We prioritize work-life integration, not just work-life balance. That means asynchronous collaboration, flexible hours, and a remote-first setup built around autonomy and high trust.

KOHO is entering its next chapter - leaner, smarter, more AI-integrated. We’re building for impact, not bureaucracy. If you thrive in environments that value clarity, ownership, and bold thinking, you’ll fit right in.

About the Role

As a Senior Backend Developer on the Payments team, you will be at the heart of KOHO's mission, architecting and building the financial infrastructure that moves millions of dollars for our users every day. You'll join a team of experts responsible for the entire payment lifecycle, from transaction processing and core banking integration to ensuring every cent is accounted for in our immutable ledger. We're looking for an engineer who is passionate about building highly reliable, scalable, and secure distributed systems, and who thrives on the challenge of creating the foundational services that underpin a modern FinTech bank.

What You'll Do

• Design, build, and operate the high-throughput services that form KOHO's payment processing engine, ensuring every transaction is fast, reliable, and secure.

• Architect and evolve the critical integration layer between KOHO's application domain and our core banking platform, solving complex challenges in data consistency and system resilience.

• Contribute to the design and maintenance of our immutable financial ledger service, where data integrity and auditability are paramount.

• Own the full lifecycle of your services, from technical design and implementation to defining SLOs/SLAs, monitoring, and participating in an on-call rotation to ensure the operational health of KOHO's financial backbone.

• Drive the technical strategy for the Payments team, mentoring other engineers and championing best practices in distributed systems design, fault tolerance, and security.

• Collaborate with product managers, security teams, and other engineering teams to deliver robust and compliant payment solutions that directly impact KOHO's users.

Who You Are

• You have significant professional experience in backend development, with a proven track record of designing, building, and operating complex, large-scale distributed systems in a production environment.

• You possess a deep understanding of microservices architecture, including patterns for data consistency, fault tolerance, and inter-service communication (e.g., RESTful APIs, event-driven architecture).

• You are meticulous about quality and have experience with systems where correctness and reliability are non-negotiable requirements.

• You have hands-on experience with our core technologies (Go, PostgreSQL) or are proficient in a similar language (e.g., Java, C#) and are eager to learn Go.

• You are solution-oriented and thrive on taking ownership of complex problems, from initial discovery through to a successful resolution in production.

• You are an excellent communicator, capable of articulating complex technical decisions and their business implications to diverse audiences.

• You have a practitioner's understanding of modern AI-first development. You are fluent in AI-assisted coding and possess a keen interest in advanced prompt engineering and agent orchestration.

Bonus Points

• Experience working directly in the payments domain (e.g., payment processing, card networks, acquiring, issuing).

• Experience with core banking systems or building integration layers for complex third-party financial platforms.

• Knowledge of financial ledgers, accounting principles, or double-entry bookkeeping systems.

• Familiarity with payment-related compliance and security standards like PCI-DSS.

• Experience with message brokering and event-streaming platforms like RabbitMQ, AmazonMQ, Kinesis, Kafka, etc.

• Deep expertise in database performance tuning and data modeling for financial applications using PostgreSQL.

What’s in it for you?

• 📈 Opportunity to shape the future of fintech and financially empower a generation of Canadians

• 💰 Competitive compensation & equity

• 🤝 Fantastic, Deeply Engaged Team (check out our engagement scores here!)

• 🌴 Generous vacation + Wellness days + Flex Days + holiday closure

• 💻 Remote-first environment + coworking support + yearly all hands retreat

• 🧠 Access to coaching & growth programs

• 👶 Parental top-up & leave policies

• 🏥 Comprehensive health benefits

• 💡 Power-up budgets for books, home office setup, phone & internet, AI tools, and professional development
  

KOHO is for builders.

If you’re energized by challenge, motivated by mission, and want to be part of a team that punches above its weight - we want to hear from you.

The KOHO culture is one of collaboration, creativity, and diverse perspectives. We are committed to building and fostering an inclusive, accessible environment for everyone. If you have any questions, concerns, or requests regarding accessibility needs, please contact peopleaccessibility@koho.ca and the People and Culture team will be happy to help.

AI Disclosure: KOHO uses artificial intelligence (AI) in certain aspects of its recruitment process to screen, assess, or select applicants. For any questions or concerns, please contact us at talent@koho.ca.

Note: this posting is for an existing vacancy that we are seeking to fill.

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Compensation Range: CA$140K - CA$170K