Senior Software Engineer (PHP)

NMI is looking for an experienced Senior Software Engineer (Full-Stack) to join our Fee Navigator team, part of our Account Management & Signup Tools value stream. FeeNavigator is a platform that automates merchant statement analysis and proposal generation — ingesting a processing statement in virtually any format, classifying every fee, computing markup and potential savings, and producing a signable proposal in seconds. It replaces work that previously took analysts hours per statement, and it sits at the heart of how our partners win and retain merchants.This role is ideal for a seasoned engineer who can navigate complex systems, enjoys solving genuinely hard engineering challenges, and operates with a high degree of autonomy within a collaborative, agile team.What will I be doing?In this role, you’ll contribute across the full software development lifecycle — from planning and design through implementation, code review, testing, and deployment. You’ll work within a cross-functional team alongside Product and fellow engineers to deliver high-quality, secure software that powers our fee-analysis and proposal platform.Key duties: Design, build, and enhance features within FeeNavigator using PHP/Laravel and VueDevelop efficient database queries and optimize MySQL performance as neededOwn the quality of your work end-to-end through developer-led testing — writing unit, integration, and end-to-end tests, and validating your own changes through to productionImprove the health of a large, established codebase by refactoring complex areas and decomposing high-complexity components into maintainable, well-structured codeDocument critical business logic, application workflows, and key architectural decisionsCollaborate with Product Managers to refine requirements and contribute to technical solution designParticipate in code reviews to maintain high engineering standards and share best practicesWork with SRE to ensure software is observable, resilient, secure, and production-readyDiagnose and resolve incidents, defects, and performance bottlenecks in collaboration with cross-functional teamsContribute to continuous improvement of development processes, tooling, and engineering practices Skills & ExperienceRequiredBachelor’s degree in Computer Science or equivalent experience5+ years of experience developing complex applicationsFluency in PHP and modern development practicesStrong understanding of object-oriented programming and design patternsExperience with relational databases such as MySQL (schema design, query optimization)Experience with modern frontend development (JavaScript/TypeScript, Vue, npm, basic CSS/SCSS)Comfort working in large, established codebases — able to navigate unfamiliar systems, untangle complexity, and make sound changes with limited guidanceFamiliarity with secure coding principlesExperience with Git and CI/CD workflowsExperience contributing across the full SDLCEffective use of AI-assisted development tools, with the judgment to know where they add value and the discipline to review and validate their outputAbility to work both independently and collaborativelyPreferredStrong experience with Laravel or similar modern PHP frameworksExperience with the Vue ecosystem (Quasar, Pinia, Vite)Experience with containerization technologies (Docker)Experience with caching technologies (Redis, Memcached)Experience with AWS services (ECS, ECR, S3, SQS)Experience working with logging & monitoring systems (e.g., Sentry, New Relic)Understanding of cloud-native or SaaS architectures (scalability, resilience, multitenancy)Exposure to Python and ML-adjacent services (Flask, Pandas, scikit-learn)Experience integrating AI capabilities into applications, or building workflows that incorporate them As well as being a part of something exciting everyday, you will also receive the following benefits:Competitive salary + bonus A remote first culture!Flex PTO Health, Dental and Vision Insurance13 Paid HolidaysCompany volunteer daysWhat 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