Software Engineer (Full-stack)

NMI is looking for a passionate Intermediate Software Engineer to join our Merchant Central Scrum team. Merchant Central is a key application within NMI's Merchant Relationship Management (MRM) ecosystem, supporting merchant onboarding, underwriting, configuration, reporting, and ongoing support. As part of a cross-functional Scrum team, you will help evolve this platform to meet the needs of our partners and internal stakeholders.

This role is ideal for someone who can navigate complex systems, enjoys solving interesting engineering challenges, and thrives in a collaborative agile environment.In this role, you'll contribute to the full software development lifecycle - from planning and design through implementation, code review, testing, and deployment. You'll work within a Scrum team and collaborate closely with Product, QA, and fellow engineers to deliver high-quality, secure software that powers our core merchant-management features.

Key Duties

• Design, build, and enhance features within Merchant Central using PHP/Laravel and React
• Develop efficient database queries and optimize MySQL performance as needed
• Write unit, integration, and end-to-end tests to ensure code quality and reliability
• Document critical business logic, application workflows, and key architectural decisions
• Collaborate with Product Managers to refine requirements and contribute to technical solution design
• Participate in code reviews to maintain high engineering standards and share best practices
• Work with SRE and QA teams to ensure software is observable, resilient, secure, and production-ready
• Diagnose and resolve incidents, defects, and performance bottlenecks in collaboration with cross-functional teams
• Contribute to continuous improvement of development processes, tooling, and engineering practices
  
  Skills and experience
  Required:
  
  • Bachelor's degree in Computer Science or equivalent experience
  • 3+ years of experience developing complex applications
  • Fluency in PHP and modern development practices
  • Strong understanding of object-oriented programming and design patterns
  • Experience with relational databases such as MySQL (schema design, query optimization)
  • Familiarity with secure coding principles
  • Experience with Git and CI/CD workflows
  • Experience contributing across the full SDLC
  • Experience with modern frontend development (JavaScript/TypeScript, React,NPM, basic CSS/SCSS)
  • Ability to work both independently and collaboratively
  
  Preferred:
  
  • Strong experience with Laravel or similar modern PHP frameworks
  • Experience with containerization technologies (Docker, Kubernetes)
  • Experience with caching technologies (Redis, Memcached)
  • Familiarity with GraphQL
  • Experience working with logging & monitoring systems (e.g., Logz.io)
  • Understanding of cloud-native or SaaS architectures (scalability, resilience, multitenancy)
  • Experience using agentic AI tooling (e.g., autonomous coding agents, Claude Code)

As well as being a part of something exciting everyday, you will also receive the following benefits:

• Annual salary + bonus
• A remote first culture!
• Flex PTO
• Health, Dental and Vision Insurance
• 13 Paid Holidays
• Company volunteer days

What we do!

NMI enables our partners with choice, and challenges the one-size-fits-all approach to payments. You've probably used NMI in the last 24 hours without even realizing it. We're the platform that powers success for innovative tech created by SMBs, entrepreneurs and fintech startups. We're creative problem solvers who help visionaries smash through boundaries and think beyond what's possible so they can think about what's next. But we're not just built for the tech savvy. We democratize the latest payments technology so that everyone can realize the benefits of easy payments across the full spectrum of commerce. We're all about enabling more payments in more ways and more places.

We believe that having a diverse group of employees strengthens both our work and our workplace. We're focused on making NMI more diverse and welcoming with initiatives like having a dedicated Diversity, Equity & Inclusion action group, diversity goals for hiring, anonymized resume screening, affinity groups such as our Women's network and LGBTQ+ Network, open forums for discussions on diversity and social justice, and measuring inclusion and belonging as part of our regular employee engagement surveys.

Equal Opportunity

NMI is committed to providing equal employment opportunity for all persons regardless of race, color, religion, sex, age, marital status, national origin, sexual orientation or sexual identity, genetic information, citizen status (except those that do not have the legal right to be employed in the United States), disability, military service, service member, veteran status, or any other basis protected by applicable law.

Please be aware that all offers of employment are made subject to receipt of satisfactory background and financial checks.

Attention job applicants: Please note that in compliance with the data protection regulations within your jurisdiction, any personal information submitted with your job application may be collected and used by NMI for the purpose of recruitment and employment-related activities. By submitting your application, you acknowledge and provide explicit consent to the processing of your personal information as described in our privacy policy found on our website. For more information on how we process your information, please read our privacy policy here: ;br>
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Salary range, depending on experience:

$90,000-$120,000 USD