Staff Engineer, Embedded Finance – AI

Reap

Senior Engineer defining and driving the technical roadmap for Reap's embedded finance platform. Leading AI adoption and scalability improvements while working closely with engineering teams.

Posted 6/10/2026full-timeHong Kong • 🇭🇰 Hong KongLeadWebsite

Tech Stack

Tools & technologies

Distributed SystemsSDLC

About the role

Key responsibilities & impact

Define and drive the technical roadmap for the embedded finance platform : scalability improvements, architectural modernisation, and tech debt resolution
Lead the adoption of AI-assisted engineering across Reap's Product Engineering teams — from AI-augmented development workflows (e.g., Claude Code, LLM-assisted code review) to agentic automation of repetitive engineering processes
Work closely with Card Engineering Managers to align platform direction with product delivery needs, and provide hands-on technical guidance on complex problems
Identify systemic engineering quality issues and build the case — and the plan — to address them
Serve as a technical anchor for senior engineers across the Card domain: conducting design reviews, setting standards, and mentoring
Lead architecture review and modernisation of embedded finance systems — service boundaries, data models, API contracts, event flows
Identify and resolve scalability bottlenecks before they become production constraints
Define reusable patterns and standards that Card Engineering teams can build on
Drive platform initiatives end-to-end: from RFC through to production delivery and stability
Conduct systematic audits of technical debt across the codebase
Prioritise and sequence debt remediation alongside product delivery work
Advocate for and lead refactors that have long-term impact on engineering velocity and reliability
Lead Reap's AI adoption strategy at the engineering team level — defining what "good" looks like for AI-assisted software development
Build and maintain reusable AI tooling, prompt patterns, and SDLC workflows (e.g., CLAUDE.md standards, agentic code review, automated test generation)
Identify engineering processes where AI can reduce toil and improve quality — and drive those improvements into practice
Track and report on AI adoption signals across Product Engineering teams
Work closely with Card EMs to shape platform roadmap priorities and resolve technical dependencies
Conduct architecture and design reviews for high-impact initiatives
Set engineering standards for code quality, observability, testability, and reliability across the Card domain
Mentor Staff and Senior engineers; elevate the technical bar across teams

Requirements

What you’ll need

10+ years of software engineering experience, with a track record of technical leadership at Staff or Principal level
Deep experience in distributed systems, API platform architecture, or financial infrastructure at scale
Demonstrated ability to drive large, complex technical initiatives across multiple teams without direct authority
Strong systems thinking: able to reason about fault-tolerance, observability, data consistency, and performance at scale
Clear and compelling communicator — can write RFCs, lead design reviews, and present technical direction to engineering and executive audiences
Genuine interest in AI/LLM tooling and its application to software engineering workflows
Hands-on experience with AI-assisted development tools (e.g., Claude Code, GitHub Copilot, Cursor) and integrating them into engineering team workflows

Benefits

Comp & perks

High-ownership, high-impact role at the frontier of stablecoin-powered finance
Work directly with strategic partners and shape how Reap expands its financial ecosystem
Operate with significant autonomy as Reap's technical owner of a key partnership
Join a high-caliber team across engineering, product, and operations
Insurance coverage after probation
Reap Card stipend
Use of AI tools at work — and the space to learn, experiment, and grow with them
A culture of innovation, inclusion, and continuous learning

ATS Keywords

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Hard Skills & Tools

software engineeringdistributed systemsAPI platform architecturefinancial infrastructuretechnical leadershipscalability improvementsarchitectural modernisationtechnical debt resolutionAI-assisted developmentsystems thinking

Soft Skills

clear communicationleadershipmentoringcollaborationproblem-solvingstrategic thinkingtechnical guidancedesign reviewadvocacypresentation skills