Senior Full Stack Engineer

Worthy is an AI native debt resolution company that negotiates settlements on behalf of consumers. Our mission is to give every consumer struggling with debt a fair and affordable path back to financial stability.

We operate a consumer app (web and mobile), an API for consumer fintech applications to embed debt resolution, and an AI-powered negotiation engine that automates work that used to take rooms of human negotiators.

This industry has a long history of scams and predatory practices. We built Worthy to be the opposite: compliant, transparent, and accountable in every state we operate in.

This technology stack lets us offer debt settlement services at a 2.5–3x lower price than legacy providers, while negotiating faster and more consistently than manual, phone-based processes. Our AI has already negotiated $2.6M in debt, and we’re just getting started against a $65B market of debt in collections.

We’re hiring a Senior Full Stack Engineer to be the person who takes a problem from “the CEO described it in two sentences” to “it’s in production and we can see it working.” There is no backend team to hand things to — you’ll pick up whichever layer the problem lives in, across the API, the web apps, mobile, and the infrastructure underneath.

You’ll also build the systems that make a four-person team move like a bigger one. 100% of our code is now written with AI, and we’re pushing further: agents that triage errors, open fix PRs, run our QA suite, audit our dependencies, and handle the recurring engineering work that would otherwise consume a headcount. Extending that toolchain isn’t a side project here, it’s a core part of the job.