The crushing weight of debt is something that we believe holds people back from reaching their dreams and making a splash in the world. So in 2013, after seeing our friends and family struggle with student loans, we created Splash Financial.

Over the years, our mission has expanded to include helping people with other forms of debt - such as refinancing credit cards, which are at all time highs in the US. And we’ve been able to refinance $6+ Billion in loans through our network of Splash, powered credit union and bank partners who leverage our marketplace and automated loan processing technology. And we’ve raised over $135 million from investors like partners of DST Global, Citi Ventures, TruStage Ventures, Northwestern Mutual Future Ventures, Detroit Venture Partners, and more.

But at our core, we’re still that little company from Cleveland with a big dream: to make people more powerful than their debt and we’re just getting started..

ABOUT OUR WORKPLACE:

Splash is remote-first, and proud of it.

We spend our days simplifying financial products and getting them into the hands of people who need them most. Right now, we’re focused on building financial technologies that fundamentally transform how the industry lends.

Although Splash has been around since 2013, we still operate like a startup — fast-paced, nimble, and full of heart. We’re good people who care deeply about doing meaningful work and we approach challenges with creativity, passion, and urgency.

And to hire the best, we provide the best: great health insurance, competitive salaries, and unique benefits like quarterly meet-ups and access to engagement tools that keep us connected — even from afar.

At Splash, everything we do is guided by our values:

Own It – We take full accountability and follow through on commitments.

Raise the Bar – We move fast, innovate faster, and push through barriers.

Say the Hard Thing – We speak up with honesty, respect, and a desire to solve problems and make things better.

Elevate Each Other – We win as a team by lifting each other up.

These values show up in how we work and how we connect — whether we’re collaborating on big projects or bonding over everyday moments. Yes, we even have Slack channels for #kids-and-pets and #food because we believe being human makes us better teammates.

ABOUT THE ROLE

Splash Financial is seeking a Senior Software Engineer who’s passionate about building technology that empowers people to become more powerful than their debt. You’ll work within a modern, service-oriented, event-driven architecture using Clojure, React, Next.js, PostgreSQL, and AWS — helping scale our platform while driving meaningful product impact.

We’re looking for someone with strong experience in Clojure, Java or Kotlin, who thrives on ownership, collaboration, and continuous improvement. You’ll lead impactful cross-team projects, write clean, well-tested code, and mentor others while contributing to the evolution of our technical platform and product strategy.

If you’re a builder who wants to make an impact in a mission-driven company that values growth, flexibility, and teamwork, we’d love to meet you.

WHAT YOU’LL DO AT SPLASH

Own project outcomes end-to-end from concept through architecture, implementation, testing and deployment.
Build and scale APIs that power our products and support continued growth.
Proactively identify opportunities to improve architecture, performance, and team efficiency.
Write clean, well-tested code and contribute to robust CI/CD pipelines.
Collaborate closely with engineers, product managers, and designers to deliver impactful solutions.
Mentor teammates and help raise the technical bar across the organization.
Participate in on-call rotations and ensure system reliability.
Actively engage in our remote-first, collaborative culture with open communication and shared accountability.

WHAT YOU’LL BRING TO SPLASH

7+ years of backend engineering experience with strong proficiency in Clojure, Java or Kotlin (functional languages preferred).
Expertise in large-scale distributed systems
Ability to make data-driven decisions in ambiguous environments.
Experience designing service-oriented, event-driven systems and building scalable APIs.
Hands-on experience with AWS, Kubernetes, serverless architectures, and CI/CD pipelines.
Proficiency in PostgreSQL or similar relational databases.
A strong desire to continuously learn, innovate, and grow.
The ability to give and receive constructive feedback with candor and empathy.
A mindset focused on accountability, technical excellence, and team success.
Excitement about contributing to Splash’s mission and values — helping people take control of their financial futures.

OUR TECH STACK:

Frontend: React, Next.js, ClojureScript
Backend: Clojure
Data: PostgreSQL
Architecture: Service-oriented, event-driven systems
Infrastructure: AWS, Kubernetes, serverless architecture, CI/CD pipelines

COMPENSATION:

The salary range for this role is $130,000 to $190,000 annually, based on market data and internal compensation practices. This role is also eligible for company equity. Final compensation will be determined by factors such as location, experience, and skill level.

All candidates must be based in US.

SPLASHERS ENJOY:

Fully remote work freedom
Competitive salary packages
Flexible PTO + 9 company holidays
Equity: Share in our start-up success
Comprehensive and affordable insurance benefits
Paid parental leave for both caregivers
Essential equipment to get the job done
401(k) for your future savings
Quarterly meet-ups: In person & virtual fun
Awesome Splash swag to flaunt your team spirit

Employment at Splash is based on individual merit. Opportunities are open to all, without regard to race, color, religion, sex, creed, age, handicap, national origin, ancestry, military status, veteran status, medical condition, marital status, sexual orientation, affectional preference, or other irrelevant factors. Splash is an equal opportunity employer.