Backend Engineer, AI

🏢 Rain · 📍 New York, NY · 💼 onsite · ⏰ FullTime

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Position Summary & Responsibilities

About the Company

Rain is the global stablecoin payments platform for enterprises, neobanks, platforms, developers, and AI agents. Our technology allows partners to move, store, and use stablecoins instantly and compliantly through global payment cards, rewards, on/offramps, wallets, and cross-border rails. As both a Visa and Mastercard Principal Member, Rain issues cards that work at more than 175 million merchant locations in over 220 countries and territories. Built natively for stablecoins and trusted by more than 100 organizations worldwide, Rain delivers secure, scalable infrastructure that makes money move freely and instantly around the world.

You will have the opportunity to deliver massive impact at a hypergrowth company backed by some of the top investors in fintech, crypto, and SaaS. In January 2026, we closed a $250M Series C led by ICONIQ, valuing Rain at $1.95B, with Sapphire Ventures, Dragonfly, Bessemer Venture Partners, Galaxy Ventures, FirstMark, Lightspeed, Norwest, and Endeavor Catalyst also participating. If you're curious, bold, and excited to help shape a borderless financial future, we'd love to talk.

Our Ethos

We believe in an open and flat structure. You will be able to grow into the role that most aligns with your goals. Our team members at all levels have the freedom to explore ideas and impact the roadmap and vision of our company.

About the Team

You'll be one of the first engineers on Rain's new AI team. We're building from the ground up internal systems that make our operations smarter and customer-facing infrastructure at the intersection of AI agents, fintech, and stablecoins, including some of the first agentic payment systems in production. If you want to shape how AI gets built into a payments company, this is the role.

What You'll Do

Be a critical part of the technical and product roadmap
Build and scale the backend systems, APIs, and data pipelines that power Rain
Design and ship AI-powered features, agents, and automation into our core platform

🎯 Candidate Preparation Guide For Rain Applicants

Key Role Competencies & Evaluation Highlights

Key Role Focus:

Measuring execution velocity, empathetic understanding of earned-wage access and consumer fintech, and risk management.

📋 Preparation Priorities (Key Areas to Clarify):

1. Dismissing the operational complexity of fraud, credit risk, and ACH/payment rails
2. Lacking empathy for the core consumer demographic relying on earned-wage access
3. Slow-moving decision-making style that clashes with hyper-growth fintech scaling

✨ Recommended Role Alignment Hook:

I build secure, high-velocity financial products that solve real liquidity problems for everyday workers.

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