Software Engineer

About the role

We are looking for a full-time Software Engineer to join our small and high performing team in our offices in Montreal, 3 days per week.

At Fincentify, software engineers are responsible for building the systems & products that empower hundreds of thousands of credit-invisible consumers across Canada and the United States, many of whom rely on our critical services. 

To succeed at Fincentify, our engineers must be critical thinkers who know how to dissect the problem as proficiently as they know how to build the solution. While the bar is set high for engineering output, we value your commercial acumen just as much. That includes the ability to be intellectually flexible, change course and iterate to drive better outcomes. 

If you are an over-achiever, efficient worker and love to have your work measured by outcome and impact, we are the team for you.

What you'll do

• Own, build, and improve services and features across our backend systems, focusing on scalability, maintainability and performance.
• Ship full-stack features end-to-end: product discovery, scoping, implementation and release.
• Make pragmatic calls in ambiguous situations; unblock yourself and others without waiting on perfect specs.
• Improve existing surfaces: refactor opportunistically, pay down tech debt without slowing delivery.
• Write and test production quality code to ensure correctness and performance.
• Raise the bar on the team: share context, bring area expertise, and challenge decisions when the trade-offs don't make sense.
• Champion best practices for AI-native development, creating patterns and abstractions that enable rapid iteration with tools like Cursor and Claude Code.

What we're looking for

• 3+ years of professional software engineering experience at a reputable technology company or financial services firm (FAANG/big tech, investment banking, private equity or similar)
• University degree (min. Bachelors) in Computer Science or Engineering or Mathematics from a reputable university in Canada or in the United States.
• Strong computer science & engineering fundamentals. Mastery of
  algorithms

,
data structures

and
system design

.
- Expert-level proficiency in TypeScript, Node JS, React JS and React Native
- Strong communication skills: able to discuss trade-offs clearly with both technical and non-technical stakeholders.
- Demonstrated ability to leverage AI development tools to accelerate delivery while maintaining code quality and architectural integrity.
- Excellence in designing clean, testable, and well-documented code that serves as an effective context for AI assistants.

Nice to have

• Experience building and operating systems where correctness and reliability are critical (payments, trading, risk management, or other high-stakes domains).

How we work

• Outcome-driven: engineers are accountable for outcomes and real impact, not lines of code, nor time spent and effort.
• Direct feedback: we value and expect clear, candid communication across all team members.
• Velocity with discipline: high throughput, but not at the expense of correctness or reliability.
• Data over ego: arguments are won with evidence and reasoning, not titles or emotions.

Compensation & benefits

We pay for impact and hold a high bar.

• Total target compensation:

CAD
$160,000 – $260,000

, depending on experience and demonstrated ability.
- Base salary: CAD $150,000 - $200,000
- EOY cash bonus (est. CAD $10,000 - $60,000 for 2026) directly tied to your performance and a percentage of the company's pre-tax profit.

Benefits:

• Comprehensive health, dental & vision coverage
• 4 Weeks PTO per year
• Annual wellness account
• Professional development & learning stipend
• Monthly transit pass stipend
• Monthly Uber credits for snacks or the occasional ride
• Office perks: wellness room with massage chairs, on-site baristas and unlimited snacks
• Yearly company retreat
• Relocation stipend