Software Developer at Borrowell Inc. in Toronto, Ontario, CA

About Borrowell:

At Borrowell, we’re on a mission to help Canadians feel confident about their money. We empower individuals to take control of their financial futures by providing the tools and insights needed to understand, build, and use their credit effectively.

1 in 10 Canadians use Borrowell for comprehensive credit monitoring and personalized insights. Our innovative services, including Credit Builder and rent reporting, help consumers build credit so they can unlock access to a wider range of financial products at more competitive rates. Additionally, we offer personalized financial product recommendations from Canada’s most trusted providers based on each member’s credit profile and financial goals.

Our team is diverse, inclusive, and driven by a shared passion for making a meaningful difference in the lives of Canadians. We pride ourselves on fostering a culture of collaboration, humility, and innovation. If you’re looking to join a company that’s transforming the financial landscape and empowering Canadians to achieve their financial aspirations, we invite you to explore career opportunities at Borrowell. Together, we can help Canadians feel confident about money.

About the Role:

As a Software Developer on Borrowell’s Engineering team, you will design, develop, optimize, test, and maintain application code for our in-house web and mobile products. You will ensure that software meets both the technical and business requirements that guided its design.

We are currently hiring for multiple positions across our specialized engineering pods. By applying to this general posting, you will be considered for all open roles. Depending on your background, interests, and performance during our coding challenge, we will tailor your interview path toward one of the following teams:

• Frontend Platform: Focused on architecting our universal codebase and acting as a technical force multiplier for the engineering organization. You’ll work with React, React Native, and our monorepo infrastructure to build foundational core libraries that empower product teams to ship cross-platform features.

• Backend Platform: Focused on our core business systems, security, and scalability. You will work on microservices architecture, event-driven systems, and critical infrastructure projects like identity management (Auth0).

• Product Development Pods: Embedded within cross-functional teams (Product, Design, QA), you’ll work on building and maintaining products from the ground up, directly impacting the lives of over 4 million Borrowell members.

• Technical Versatility: Working experience building scalable web applications on the cloud, preferably within a microservices architecture.

• Core Stack: Knowledge of modern JavaScript front-end frameworks (we primarily use React, React Native, and TypeScript) OR a strong foundation in backend development (our backend is .NET 10 on Azure).

• Database Proficiency: Demonstrated proficiency with SQL and NoSQL databases.

• Growth Mindset: A large chunk of your time will be spent experimenting and building new products from scratch rather than just maintaining old code.

Nice to Have:

• Knowledge of Microsoft Azure.
• Experience with Next.js or headless CMS platforms (e.g., Contentful).
• Turborepo knowledge.
• Experience in fast-paced Fintech or startup environments.

Our Engineering Team Values

1. We work well as a team and collaborate always!
2. We are humble and open to each others' ideas and opinions
3. We are not afraid of making mistakes and we are always learning
4. We are persistent about solving problems we are facing
5. Change is good and welcomed
6. We are always willing to take on new challenges
7. We are not afraid to say, "I don't know," or, "I need help"
8. We take ownership over our platform and the work that we deliver
9. We communicate clearly to ensure we collaborate well
10. We find the simplest solutions possible for the hardest problems

The Interview Process

We believe in fast, lean, and efficient processes and that trickles into every aspect of our work, including hiring. That means we don't think you need to jump through 8 hoops to land the role. Interviewing for this role is typically done in 4 steps:

• A phone call with a recruiter
• A technical coding challenge and discussion that is grounded in being practical, realistic, and open book - we're trying to understand your skills holistically, not trying to see how much you can memorize algorithms
• A systems design conversation that dives deeper into your experience building scalable systems
• A conversation with a senior leader

That's it! After each step, we will follow up within the week.

• The Opportunity - join and have a major impact at a growing company that is helping make financial stability possible for everybody

• Comprehensive Health Benefits - medical, dental, vision, and paramedical health benefits for you and your family, with extra yearly coverage for psychotherapists and massage therapists

• Additional Health Benefits - virtual benefit offering that allows you to connect 24/7 with nurses, doctors and mental health professionals

• Maternity & Parental Leave Top-up - available to new parents

• WFH Reimbursement - we ship you gear like a laptop, mouse, keyboard, and you can reimburse additional items to make your workplace better for you

• Employee Development Benefit - annual reimbursements on payments to help your learning

• Givewell Benefit - 1 paid volunteer day a year to give back to the community

• Flexibility - flexible working hours and a flexible vacation policy

We are remote-first across Canada with an office in Toronto. This role will require you to attend in-person meetings and team-building events. While this role is remote, we are currently only able to hire candidates physically located in Ontario, BC, or Alberta.

At Borrowell, one of our core values and firm beliefs is that diversity makes us better. If you’re unsure about your qualifications for this position, we’d still encourage you to apply. We’re looking for candidates who have experience, but know that not everyone’s had a chance to demonstrate what they can do. What’s most important is that you have a growth mindset and care about helping people with their finances - an area in their lives that causes a lot of stress.

Please note that due to the sensitive nature of the work we do, clearing a credit and criminal record check is a condition of employment.

Borrowell encourages applications from candidates with differing abilities. Please let us know if you require accommodation at any stage in the selection process.

This posting represents a current and active vacancy within our organization.

The budgeted annual salary range for this role is $80,000 – $130,000 CAD. Starting pay is determined by the candidate's relevant experience and skills. In addition to base salary, this role is eligible for Borrowell’s full benefits package.