Staff Software Engineer, Retirement Money Planning

About the Role

You'll be a key full-stack engineer focused on building and owning the systems that empower over a million savers (including entrepreneurs) to save for their retirement via 401(k)s, IRAs, and more. This is a hands-on role owning backend services and APIs end-to-end, building interfaces savers use to manage their accounts, and handling real financial edge cases. You will partner closely with Product, Design, Compliance, and Operations to turn complex financial requirements into reliable software.

Responsibilities

• Design, build, and test the experience that enables savers to manage their 401(k)s, IRAs, and more.
• Contribute to the architecture of existing systems to support new capabilities.
• Apply AI tools as a regular part of your engineering workflow and bring an AI-native lens to product decisions.
• Advocate for the needs of savers and entrepreneurs.
• Collaborate on complex and ambiguous problems with partners across Engineering, Product Management, Design, Compliance, Operations, and other cross-functional teams.
• Debug production issues and improve reliability, observability, and operational tooling.
• Identify and prioritize long-term investments to improve foundational systems and architecture.
• Write clear, reliable, well-tested code that ships quickly and scales well.

Qualifications

• 8+ years of software engineering experience building and shipping production products or platforms.
• Strong experience working across teams and gaining influence to drive projects forward.
• Strong experience with services and APIs.
• Strong experience with message-based systems (e.g., Sidekiq, Kafka).
• Experience with Ruby on Rails is required.
• Strong experience with large modern frontend applications (such as React).
• Experience with GraphQL.
• Comfortable owning systems end-to-end, including production support and operational work.
• Experience working closely with PMs and cross-functional partners to deliver scoped work.
• Pragmatic, execution-focused approach to engineering.
• Clear communicator and collaborative teammate.

Additional Requirements

• Travel to Gusto's office for onboarding is required.
• Hybrid expectation of working in-office approximately 2–3 days per week.