Senior Backend Engineer - FinTech (Taipei)

Who we are:

Nitra's mission is to build a more efficient healthcare system and the technology that makes it possible.  Our goal is to provide an ecosystem of fintech and software solutions that help doctors better manage their practices, so they can have time back to focus on what matters to them most.

We operate with urgency, intensity, and ambition. The bar is high because the opportunity is massive. We expect excellence, ownership, and intellectual rigor from every team member. We move fast, make bold decisions, and hold ourselves accountable to results. At the same time, we believe great companies are built on trust and respect. Every voice matters. Every contribution counts. When we win, we win together.

We are scaling rapidly and on a clear trajectory toward becoming a unicorn this year — and beyond. Our growth is not accidental; it’s the result of disciplined execution, relentless focus, and a team that refuses to settle. We are building a category-defining company, and we’re looking for people who want to do the most meaningful work of their careers.

If you want comfort, this isn’t the place.

If you want impact, ownership, and the chance to help build a generational fintech company, welcome.

Nitra was created by unicorn founders who have successfully scaled to thousands of customers and exited $1B+ public offerings. They are joined by an ambitious and experienced team from American Express, Citi, PayPal, Capsule, Plaid, Bloomberg, Meta, Facebook, and Mastercard. The team is backed by some of the world’s leading VCs (Andreessen Horowitz, NEA, etc.) and is supported by an expert group of advisors including the cofounders of Square and Xendit, executives from Intuit, former Governors, White House senior staffers, and a co-founder of CityMD.

Nitra maintains a hybrid work policy, with team members working from the office four days per week and Wednesdays designated as a work-from-home day.

The Role:

Medical practices already use Nitra for corporate cards, expense management, BillPay and accounting. Our next product is Nitra Business Banking: business deposit accounts built into the rest of the platform. We're hiring a senior backend engineer to help build it from the ground up. You'll design how money moves into and out of Nitra accounts, how the ledger stays correct, and how banking connects to the card spend, bill payments and accounting sync that practices already run on Nitra. This is new product development. You'll make foundational architecture decisions and set the patterns the rest of the banking team builds on.

(📍 Taipei-based, on-site 4 days a week, with willingness to work across time zones including nightly calls)

• Design and build the core banking backend: account opening, balances, statements, and the APIs behind the banking experience.
• Build money movement on US payment rails: sending and receiving ACH, wires, and RTP/FedNow, including returns, exceptions, and cutoff and settlement timing.
• Own ledger integrity: double-entry accounting, holds, idempotency, and daily reconciliation against our sponsor bank and payment processors.
• Connect banking to Nitra's existing products, so BillPay payments and card settlement are funded from Nitra accounts and every transaction reconciles into the practice's books.
• Design for money coming in, including insurance payouts and patient payments, so practices see all of their cash in one place.
• Work directly with sponsor-bank and processor partners on integrations, certifications, and compliance controls (audit trails, OFAC/AML checks, funds availability).
• Work with product, design and our Taipei engineering team to scope features, write design docs, and flag risks early. Mentor engineers who are newer to fintech.

• 5+ years of backend engineering, with strong Node.js/TypeScript (or a similar language and willingness to switch) and PostgreSQL.
• 3+ years building production fintech products. Payments, cards, spend management, lending, banking, or finance software all count.
• Experience building AP automation or bill pay products: vendor payments, payment scheduling, payment tracking.
• Hands-on experience with US payment rails: ACH (NACHA formats, returns, same-day windows), wires, RTP/FedNow, or check.
• A track record of designing fintech systems: you've made the architecture decisions for money movement, ledgers or transaction processing, and you can explain the trade-offs.
• Strong system design for correctness: idempotency, event ordering, retries, audit trails, and safe backfills. You treat an off-by-a-penny bug as a real incident.
• Experience working with third-party financial partners and APIs, such as processors, card issuers, bank partners, and accounting platforms.
• Comfortable building a new product in an ambiguous space, from spec to production. Clear writing and a habit of raising risks early.
  
  

• Experience building expense management products: card spend, receipts, spend controls, reimbursements.
• Experience building banking or deposit products, especially with a sponsor bank or banking-as-a-service platform.
• Card issuing, processor, or accounting sync integrations.
• Healthcare payments: insurance remittances (ERA/835), lockbox, or patient payment collections.
• Early-stage startup experience, having built something from zero to one in a regulated space.

• Equity - Everyone at Nitra is an owner. When the company wins, you win
• Competitive Salary - You’re the best of the best, and your salary will reflect your experience and reward your contributions to Nitra
• Nitra maintains a hybrid work policy, with team members working from the office four days per week and Wednesdays designated as a work-from-home day.