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Highnote

Highnote

Job listing

San Francisco, United States$190K-$240K + Equity

Principal Software Engineer at $145M+ Series B embedded finance platform

Are you a seasoned engineer ready to redefine the future of payments? Join a $145M+ Series B embedded finance leader founded by the visionaries behind Braintree and PayPal. We are looking for a Principal Software Engineer in San Francisco to architect secure, scalable card issuance platforms using Java and cutting-edge AI-powered development tools. With a flat hierarchy, direct leadership exposure, and a mission to solve payment use cases that don't even exist yet, this is your chance to build a category-defining product from the ground up. Enjoy 100% healthcare coverage, equity, and a competitive $190k-$240k salary while working alongside the industry's most advanced payments team.

Overview

Role overview

Join a high-velocity team founded by former Braintree and PayPal leaders to revolutionize modern card platform management. As a Principal Engineer, you will architect secure, scalable Java-based payment systems, integrate advanced AI-powered development tools into the SDLC, and build critical ledger and wallet functionalities for digital-first organizations globally.

Company

Highnote

Highnote

$145M+ Series B embedded finance and card issuance platform backed by Oak HC/FT and Costanoa Ventures

Responsibilities

What you will do

  • Architect and write high-quality, robustly tested Java code to build secure card issuer processor products and ledger functionalities.
  • Lead the adoption of AI-powered development tools like Claude Code to accelerate design, prototyping, and the full software development lifecycle.
  • Interface across multiple company domains to document and strengthen a rapidly-scaling platform that solves complex, real-world payment use cases.

Candidate profile

Who this is a fit for

  • 12+ years of experience building production software systems with a mastery of scalable, performant, and maintainable backend engineering.
  • Deep proficiency in Java (11+), JPA/ORM mapping, and SQL, with a strong interest in learning and implementing AI agent frameworks.
  • Demonstrated passion for shipping customer-centric software and a drive to push the boundaries of engineering productivity using modern AI tools.

What makes it remarkable

Why this role is remarkable

  • Build from the ground up at a flat organization where you have direct exposure to a leadership team comprised of payments industry veterans from PayPal and Lending Club.
  • Influence the future of embedded finance with a company that has raised over $145M from top-tier investors like Westcap and Pinegrove Venture Partners.
  • Work in a hybrid San Francisco environment that prioritizes face-to-face connection while providing a generous home office stipend and 100% healthcare coverage.

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