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Founding Engineer

Resfi AI — an AI-native neobank · pre-seed · founded in 2025

Hybrid — New YorkFull-time · Hybrid$150K – $300K USD base (higher for exceptional candidates)

About the role

Resfi AI is building the first truly agentic neobank: a customer advocate that doesn't just advise but implements the advice automatically, helping consumers pay down debt faster and optimize their cash flow with AI and behavioral finance. The founder, Asheet Mehta, was previously a Senior Partner at McKinsey and Co-Head of its Global Financial Services Practice.

This is the first technical hire, at a pre-product company: you'll build the AI-native neobank from the ground up and own the architecture, the stack and every technical decision as the company goes from prototype to MVP launch. They want strong 0-to-1 experience, a preference for fintech or regulated domains and the ability to ship production systems that handle real money movement. There's a clear path to technical leadership as the team grows.

Hybrid in New York. The culture is built on mutual growth, direct feedback, a bias for action and a customer-first approach.

What you will own

  • Build the MVP end to end: web app, mobile app and the backend systems behind them, from secure AI-native infrastructure to money movement
  • Integrate fintech vendor technologies (BaaS partners, payment rails, KYC/AML) into the core banking, card and lending infrastructure
  • Design the architecture and data stack for an agentic financial services platform, including cloud, data resilience and system design decisions
  • Build agentic workflows that plug into real money decisions safely, with deterministic, auditable logic and compliance guardrails
  • Set the technical standards future engineers will build on, while working with contract engineers

Requirements

Must haveHas built and shipped a product 0 to 1 to real users
Must haveStrong full-stack experience, shipping end to end (React, React Native and TypeScript through backend and infrastructure)
Must have5+ years of full-stack engineering, with products built and shipped 0 to 1 in fintech
Must haveEngineering experience at a consumer fintech startup in banking, lending or card issuing, ideally on systems that move money (for example Chime, SoFi, Mercury, Ramp or Cash App) — not traditional banks, wealth or checkout tooling
Must haveHas built AI agents or agentic workflows, beyond just using ChatGPT or Claude
Must haveA computer science or technical degree
Must haveEager to build the architecture that powers money movement from scratch, and to grow and lead a team of engineers
Nice to haveDoes not require visa sponsorship (preferred, flexible for strong candidates)
Nice to havePromoted at least once at a previous company
Not a fitRepeated job hopping with one-year stints
Not a fitCrypto-focused backgrounds
Not a fitOnly large-company experience, with no 0-to-1 building

We interview honestly against this list — if you meet most of the “Must have” rows, apply.

Compensation

Hybrid — New York
Location
Full-time · Hybrid
Employment
$150K – $300K USD base (higher for exceptional candidates)
Compensation
1–4% equity
Equity

Role details

LocationHybrid — New York
EmploymentFull-time · Hybrid
Compensation$150K – $300K USD base (higher for exceptional candidates)
Equity1–4% equity
DepartmentEngineering
VisaOpen to visa transfers (e.g. OPT, H-1B); sponsorship possible for exceptional candidates, though candidates who don't need it are preferred
Vikki

Vikki

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