Software Engineer II

Who We Are

Cross River builds the infrastructure behind the world’s most innovative financial products. Our technology and capital solutions power payments, cards, lending, and digital asset capabilities that move money safely, instantly, and inclusively — trusted by leading fintechs, enterprises, and disruptors across the globe.

Our mission is simple: to build the financial infrastructure that expands access and opportunity for all. Guided by a culture of collaboration, curiosity, and purpose, Cross River has been named one of American Banker’s Best Places to Work in Fintech year after year. Whether you’re designing code, solving regulatory puzzles, or developing strategy, you’ll join a team where innovation and integrity drive everything we do — and where your work helps shape the future of finance.

What We're Looking For

We're seeking a skilled Software Engineer to contribute to one of our Lending teams at Cross River, building the technology that helps fintech partners originate, fund, service, and sell consumer and commercial loans across a compliant, end-to-end lifecycle. You'll be a hands-on engineer who writes quality code, solves complex technical problems, and collaborates across teams to deliver reliable and scalable solutions in the lending domain. The ideal candidate is a strong engineer who is passionate about building mission-critical lending infrastructure at scale.

Responsibilities:

• Design, develop, and deliver scalable software modules and components
• Build backend systems using a mix of technologies. Languages may include C# and Python. Databases may include PostgreSQL, SQL Server and DocumentDB. Infrastructure includes AWS, Docker, and Kubernetes
• Implement, test, and iterate on software solutions that address both short-term and long-term considerations with a maintainable, sustainable mindset
• Participate in code reviews and provide constructive feedback to peers
• Collaborate with senior engineers and cross-functional teams to define technical approaches and solutions

Qualifications:

• 4+ years of experience developing enterprise systems in modern, current object-oriented languages, with at least 2+ years of C# or Python
• 2+ years of experience with SQL, preferably PostgreSQL or SQL Server
• Experience working with AI assistive and agentic code generation (e.g. Copilot, Claude Code, Cursor)
• Database persistence frameworks (e.g. nHibernate, Entity Framework)
• Strong communication skills
• Experience or understanding of Domain Driven Design
• Cloud Architecture - preferably AWS
• Docker / Containers
• Financial industry / accounting experience or understanding is helpful, but not required
• Experience designing and developing distributed systems and event driven architecture is preferred. Ideally with understanding or exposure to:  
• MassTransit or NServiceBus
• RabbitMQ
• Idempotency

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Salary Range: $120,000.00 - $160,000.00