We are fueled by a moral imperative to advance mankind, and it all begins with our people, our product, and our purpose. Passion isn't something we turn on and off; it's woven into everything we do. If you thrive in high-challenge environments, are inspired by exceptional teammates, and are driven to grow beyond what you thought possible, MX is where you belong.

Come build the future with us. Join an award-winning company that isn't just shaping the financial industry, but transforming it in ways that create meaningful, lasting impact for millions of people.

Job Summary

Introduction to the Position

The Connectivity & Open Finance Team serves as the foundational pillar of our mission to engineer a data-driven financial ecosystem. We architect the critical infrastructure connecting thousands of financial institutions, facilitating secure, high-integrity, and standardized data exchange. Our engineers are currently leading the industry-wide transition from legacy data acquisition to sophisticated Financial Data Exchange (FDX) and FAPI-compliant API integrations, ensuring every platform interaction meets the highest standards of institutional security.

As we scale globally, the complexity of managing universal authentication standards (OAuth) and high-concurrency financial payloads necessitates a dedicated technical visionary. We are seeking a Lead Engineer who excels at the intersection of Ruby on Rails performance optimization and rigorous financial-grade security protocols.

As a Technical Lead, you will directly impact our growth by shortening the time-to-market for new financial partnerships. Your success will be measured by the resilience of our API connections, the speed of our data synchronization, and our ability to maintain a Zero-Trust architecture that our clients and regulators can rely on.

Job Responsibilities
Architect & Execute: Direct the development of high-performance API backend systems using Ruby on Rails, serving as the primary engine for FDX-compliant data exchange.
Design Leadership: Lead the design and implementation of comprehensive, end-to-end OAuth session lifecycles.
Systems Resilience: Build and maintain a cloud-native API framework emphasizing modularity to allow for seamless provider transitions with zero downtime.
Strategic Partnership: Collaborate with Security and DevOps to deliver automated Dynamic Client Registration (DCR) and self-healing connectivity pipelines.
Operational Analytics: Utilize Datadog to analyze system health, informing architectural iterations that reduce latency and maximize token refresh success rates.
Quality Advocacy: Drive quality standards by implementing consumer-driven contract testing (Pact) and ensuring total compliance with FDX certification suites.
Basic Qualifications (Must-Have)
8+ years of professional software engineering experience, including 5+ years of hands-on expertise in Ruby on Rails within API-first ecosystems.
3+ years in a Technical Leadership or Architectural role, specifically focused on OAuth or OpenID Connect implementations.
Sector Expertise: Extensive experience in heavily regulated industries (Fintech, Banking) with a proven track record in data privacy and security compliance.
Engineering Excellence: Expert proficiency with Git/GitHub workflows, including advanced branching strategies and rigorous peer code reviews.
Infrastructure Security: Ability to collaborate on infrastructure-as-code updates supporting Mutual TLS (mTLS) and secure certificate lifecycle management.
System Architecture: Proficient in application boilerplate development and high-level system design patterns.
Data Infrastructure: Advanced proficiency in managing high-volume financial datasets utilizing BigQuery and PostgreSQL.
Preferred Qualifications
Advanced Ruby Performance Tuning: Expertise in memory management and multi-threaded background processing for high-volume data ingestion.
Open Source Leadership: Active contributor to relevant Ruby gems or financial API standards bodies.
Technological Environment - Good to have experience
Cloud Management: Experience managing cloud-based API infrastructure within GCP, including load balancing and automated certificate rotation.
Open Banking Standards: Familiarity with the FDX framework or global Open Banking regulations.

Compensation

The expected earnings for this role could be comprised of a base salary and other forms of cash compensation, such as bonus or commissions as applicable.

This pay range is just one component of MX's total rewards package. MX takes a number of factors into account when determining individual starting pay, including job and level they are hired into, location, skillset, peer compensation.

Please note applicants applying for this position must have the legal right to work in India without the need for sponsorship. We are unable to provide work sponsorship for this role, and candidates should be able to verify their eligibility to work in the country independently. Proof of eligibility to work in India will be required as part of the hiring process.

Work Environment

In this role, a significant aspect of the job involves working in the office for a standard 40-hour workweek. We believe that the collaborative nature of our work and the face-to-face interactions among team members are essential for fostering a dynamic and productive work environment. Being present in the office enables seamless communication, facilitates quick decision-making, and encourages spontaneous collaboration that contributes to the overall success of our projects. We value the synergy that comes from having our team members physically together, allowing for immediate problem-solving, idea exchange, and team building.

Senior Software Engineer II - ROR