Senior Software Engineer, Full-Stack

As a Senior Software Engineer, Full-Stack on the Cash Forecasting team at Ripple, you'll build and maintain 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 processes over $100 billion in daily cash flow for enterprise customers across 40+ countries, combining seamless ERP and banking system integrations with proprietary GSmart AI technology to deliver forecasting accuracy improvements of over 30%.

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 systems you build with strong observability practices such as 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 with hands-on experience with PostgreSQL
• Comfortable 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 to 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
• Catered lunches, fully-stocked kitchens with premium snacks and beverages, and plenty of fun events
• In-office collaboration flexibility, work with your team to decide on 10+ days a month in office
• Bi-weekly all-company meetings with business updates and leadership discussions
• Team offsites, team bonding activities, and happy hours

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 company improves the global financial system and creates greater economic fairness and opportunity for people around the world.