Senior Software Engineer, Full-Stack

As a Senior Software Engineer on Ripple's Cash Forecasting team, you'll build the AI-amplified treasury solution that helps CFOs and treasury teams achieve real-time cash visibility and predictive accuracy. You'll work on sophisticated Ruby on Rails and React software that turns diverse financial data into clear analysis, supporting a critical platform moving over $100 billion in daily cash flow for enterprise customers across 40+ countries.

What you'll do

• Design, build, and maintain backend services and APIs that power the Cash Forecasting platform, while remaining comfortable picking up frontend work when needed
• Work across a large, sophisticated, multi-tenant SaaS codebase, writing code built to scale across enterprise customers and their data
• Own the data layer, schema design, query performance, and data integrity with a strong emphasis on PostgreSQL and SQL
• Write and maintain thorough test coverage using RSpec, treating testing as a first-class part of delivery
• Package and deploy services using Docker and work within AWS-based cloud infrastructure
• Write scripts and tooling to automate repetitive work, support data migrations, and keep the team moving quickly
• Instrument the systems you build with strong observability practices, including logging, metrics, and tracing, to catch and resolve issues before they impact customers
• Benchmark and profile code to identify performance bottlenecks and make evidence-based decisions about where to optimise
• Collaborate closely with product managers, designers, and fellow engineers to translate business and customer needs into robust technical solutions
• Participate in code reviews and technical design discussions, contributing to the team's overall growth and improvement
• Champion the YBIYRI ethos (you-build-it-you-run-it), which includes participating in the on-call pager rotation

What you bring

• 4-8 years of professional software development experience, ideally including full-stack work with a backend lean
• Strong SQL fundamentals and hands-on experience with PostgreSQL
• Comfort working within large, sophisticated, existing codebases and making changes safely
• Scripting ability for automation and tooling (language-agnostic)
• Experience with Docker or other containerisation technologies
• Proven Git proficiency, including collaborative branching workflows
• Proficiency in at least one major programming language such as Ruby, Python, or Java
• Experience employing AI tools throughout the development lifecycle to speed up problem-solving and delivery
• Experience testing with RSpec

Nice to have

• Experience with Ruby or Ruby on Rails
• Frontend experience, ideally with React, and the ability to contribute there when needed
• Experience with or solid understanding of AWS
• Experience building or maintaining multi-tenant, enterprise SaaS platforms
• Familiarity with observability tooling and practices such as logging, metrics, tracing, and alerting
• Experience benchmarking and profiling code for performance
• Experience in the financial industry, particularly treasury, payments, FX, or ERP systems

What we offer

• Competitive salary, bonuses, and equity
• Competitive benefits covering physical and mental healthcare, retirement, family forming, and family support
• Professional development budget to support learning
• R&R days so you can rest and recharge
• Generous wellness reimbursement and weekly onsite and virtual programming
• Generous vacation policy, work with your manager to take time off when you need it
• Industry-leading parental leave policies and family planning benefits
• Employee giving match
• Mobile phone stipend
• In-office collaboration with flexibility to decide which 10+ days a month you come in
• Team offsites, team bonding activities, happy hours, catered lunches, fully-stocked kitchens with premium snacks and beverages, and fun events

About Ripple

Ripple is building a world where value moves like information does today through crypto solutions for financial institutions, businesses, governments, and developers. The Cash Forecasting platform integrates with major ERPs and banking systems to automatically capture, categorise, and analyse transactional data, leveraging proprietary GSmart AI technology to improve forecasting accuracy by over 30%.