Staff Software Engineer - Credit Account Servicing

As Marqeta’s Staff Software Engineer, you will autonomously deliver ongoing business impact across a team, product capability, or technical system. You will own and deliver bi-annual/annual goals for your team, be an expert at identifying the right solutions to solve ambiguous, open-ended problems that require tough prioritization, and define technical solutions or efficient operational processes that level up your team. You will be a strong leader within your team with your impact beginning to extend outside your team and will increasingly optimize beyond just your team by driving cross-team or cross-discipline initiatives.

The Account Servicing team in Credit Engineering is responsible for the end-to-end servicing of a credit account throughout its lifecycle. The team owns and operates key domains including payments, delinquency, collections, disputes, and credit bureau reporting to ensure accurate, compliant, and timely handling of all servicing events. It builds and maintains the foundational workflows and operational systems that protect portfolio health, support risk and regulatory requirements, and provide a seamless servicing experience for customers and cardholders. The team is highly collaborative and execution focused, with an ongoing commitment to expanding core capabilities that support the evolving needs of credit issuers and the broader Credit platform.

At Marqeta, participation in a rotational on-call pager duty is a required part of the software engineering role. The specifics of the rotation may vary by team, depending on team size and structure, and will be discussed further during the interview process.

We work Flexible First. This role can be performed remotely within Ontario or British Columbia, Canada. We’d love for you to join us!

Learn more about our Product and Engineering team

The Impact You’ll Have

• Lead: Play a key role in setting strategy and provide technical leadership on high-impact projects.

• Collaborate: Work closely with cross-functional peers and stakeholders to establish alignment and clarity around project goals, roadmaps and deliverablesGrow: Influence, coach, and mentor a distributed team of engineers.

• Build: Define, deliver, and maintain large projects, often involving cross-team dependencies.

Who You Are

• 8+ years of relevant experience with a Bachelor’s degree; or 6 years of experience with a Master's degree; or a PhD with 3 years experience. In lieu of a degree, 11+ years of relevant experience may suffice.

• Experience building a deep understanding of business needs and translating them into scalable, efficient, and secure software architectures.

• Expertise in at least one programming language, with a strong awareness of the ecosystem of tools and libraries supporting it, preferably Java.

• Experience building strong relationships in a remote setting, ability to lead and mentor fellow engineers.

• Experience maintaining and supporting a highly available and accurate cloud-based distributed system.

• Experience with microservices architecture.

• Strong ability to present clear and concise messages tailored to various audiences; able to communicate in a clear, concise, and respectful manner both verbally and in writing.

Nice-To-Haves

• Experience with scaling large, transactional systems

• Experience with payments or the Fintech space

• Experience with AWS

• Experience with Spring Boot

Typical Process

• Application submission

• Recruiter video call

• Coding interview

• Hiring Manager Interview

• Virtual “Onsite” consisting of 3-4, 45-60 minute rounds

• Offer!

Compensation and Benefits

Marqeta is a Flex First company which allows you to choose your best working environment, whether that be from home or at a company office. To support Flex First, we calibrate pay to a competitive value according to working location.

When determining salaries, we consider several factors including, but not limited to, skills, prior experience, and work location. The new-hire base salary range for this position, reflected in CAD, is: $148,900 - $186,100

We also believe in recognizing the contributions of our people. That's why we award annual bonuses to eligible employees, rewarding both individual performance and the success of the entire company.

Along with monetary compensation, Marqeta offers

• Multiple health insurance options

• Flexible vacation time

• Retirement savings program with company contribution

• Equity in a publicly-traded company

• Monthly stipend to support our remote work model

• Annual “development dollars” to support our people growth and development

• Family-forming benefits and up to 20 weeks of Parental Leave

About Marqeta

Marqeta is on a mission to change the way money moves. We’re one of the earliest enablers of embedded finance, a market opportunity sized up in the trillions. Our card issuing platform provides unprecedented flexibility and control for companies to issue cards, authorize transactions, and manage payment operations in real time. Marqeta is powering the most well known brands in the new economy (Block, Cash App, Affirm, Instacart, Doordash, Uber, Walmart, etc). You don’t need to be a Payments expert to join the Marqeta Team, let us help you with that. This is the opportunity of a lifetime to work with innovators around the world and unlock equitable financial access for all.

Marqeta’s Values

– Solve for the Customer: With a deep understanding of our customers' business and empathy for their needs, we deliver products and services that drive their success. Earning and keeping their trust guides everything we do.

– Do What's Right: Knowing businesses and livelihoods depend on us, we pursue solutions that disrupt responsibly and deliver high-quality results that our customers count on. We own our work from start to finish.

– Simplify and Innovate: We approach challenges with curiosity and take smart risks. Innovation comes from finding better, simpler ways to achieve extraordinary outcomes.

– Win as a Team: We succeed together by embracing diverse perspectives and pushing each other to raise the bar. We lead with humility and set aside hierarchy to work as a team.

– Make it Count: We drive forward with focus and agility. With a sense of urgency and purpose, we get the job done, and done right.

Equal Employment Opportunity, Accommodations and Privacy

Marqeta is an equal opportunity employer committed to an inclusive workplace that fosters belonging. We do not discriminate based on race, color, religion, sex (including pregnancy, lactation, childbirth, or related medical conditions), veteran status or uniformed service member status, age, national origin or ancestry, citizenship or immigration status, physical or mental disability, gender identity, gender expression, sexual orientation, genetic information (including testing or characteristics) or any other characteristic protected by applicable law. We also consider qualified applicants with criminal histories, consistent with legal requirements.

Marqeta endeavors to make reasonable accommodations for applicants with disabilities. If you are an individual with a disability and require a reasonable accommodation to submit this application, complete any pre-employment testing, or otherwise participate in the employee selection process, please submit this form with your specific accommodation request.

Personal data that is provided as part of the application and recruitment process is processed in accordance with the Applicant Privacy Notice. Additional information for California residents can be found here.