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Backend Engineer, Payments

Chariot - New York, NY, USA - Hybrid - posted 2026-08-19

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Chariot is building modern, end-to-end payment infrastructure for nonprofits, processing over $1.8B in annualized payment volume. The company operates in an untapped $600B charitable giving market, serving tens of thousands of nonprofits including American Cancer Society, Memorial Sloan Kettering, and University of Pennsylvania. As a Backend Engineer on the Payments team, you will take a senior technical role in evolving Chariot's banking and DAF (Donor Advised Fund) products. You'll work closely with the CEO and founding engineering team to build scalable backend systems that support existing and upcoming contracts in the pipeline. Key responsibilities include: - Designing and building backend server applications and components powering Chariot's product offerings - Contributing to architecture and design of APIs, backend systems, and applications; defining team standards and best practices - Improving real-time and analytical monitoring and alerting to understand user behavior and iterate on product - Generating ideas for new initiatives and technologies - Collaborating effectively with founders, product managers, and other engineers - Managing project execution in an Agile/Scrum environment You should have 4+ years of software development experience and 2+ years specifically building performant, scalable backend systems. Required technical proficiency includes Go, Node, Docker, Terraform, and Kubernetes. Experience with Postgres, REST APIs, and gRPC is essential. A bachelor's degree in a technical field is preferred but relevant work experience is valued. Fintech, payments, and nonprofit sector experience is a plus, as is AWS expertise. Chariot offers comprehensive benefits including 100% covered healthcare options, 18 days PTO plus 13 holidays, 100% paid parental leave (12 weeks for primary caregivers), weekly team lunches, free dinner daily after 8pm, monthly team building, employee-friendly equity with 2-year exercise window and double-trigger acceleration, and 2-3 company retreats annually. The NYC office operates in-person Monday-Thursday with Friday work-from-home flexibility.

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