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.

About NMI

NMI, a global leader in payment technologies, allows software and sales professionals to deliver payment innovations to their clients without having to build payment expertise in house. 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. Our mission is to use our expertise to enable more payments, in more ways and more places. We provide ISOs, Fintech Innovators and Technologists the freedom to focus on what they do best, liberating them from restricted payment solutions and giving them access to the latest payment technology now and in the future.

How We Work - Our Core Values

* Be a Good Person, It's Simple. We treat everyone fairly and with respect. We lead with kindness, humility and integrity. We take the time to understand each other and our customers. And we serve with care, because customers are never a transaction, and always our focus

* Align, Trust & Go. We debate openly,  listen carefully and challenge thoughtfully. Once we decide, we move forward together - holding ourselves accountable to our commitments, and focusing on what matters most to our customers. That alignment creates momentum.

* Raise the Bar. Good enough isn't enough. We stay curious, measure everything, stay honest about progress and keep pushing ourselves to think creatively. We drive change, again and again. And leave things better than we found them. When we raise the bar, our customers feel it too.

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 Vue
• Develop efficient database queries and optimize MySQL performance as needed
• Own 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 production
• Improve the health of a large, established codebase by refactoring complex areas and decomposing high-complexity components into maintainable, well-structured code
• Document critical business logic, application workflows, and key architectural decisions
• Collaborate with Product Managers to refine requirements and contribute to technical solution design
• Participate in code reviews to maintain high engineering standards and share best practices
• Work with SRE to ensure software is observable, resilient, secure, and production-ready
• Diagnose and resolve incidents, defects, and performance bottlenecks in collaboration with cross-functional teams
• Contribute to continuous improvement of development processes, tooling, and engineering practices

Skills & Experience

Required

• Bachelor’s degree in Computer Science or equivalent experience
• 5+ years of experience developing complex applications
• Fluency in PHP and modern development practices
• Strong understanding of object-oriented programming and design patterns
• Experience 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 guidance
• Familiarity with secure coding principles
• Experience with Git and CI/CD workflows
• Experience contributing across the full SDLC
• Effective use of AI-assisted development tools, with the judgment to know where they add value and the discipline to review and validate their output
• Ability to work both independently and collaboratively

Preferred

• Strong experience with Laravel or similar modern PHP frameworks
• Experience 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
• Track record of raising engineering standards on a team — improving test coverage, reducing technical debt, or modernizing legacy code

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 Insurance
• 13 Paid Holidays
• Company volunteer days

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 groups such as our Women's network and LGBTQ+ Network, open forums for discussions on diversity and social justice, and measuring inclusion and belonging as part of our regular employee engagement surveys.

Equal Opportunity

NMI is committed to providing equal employment opportunity for all persons regardless of race, color, religion, sex, age, marital status, national origin, sexual orientation or sexual identity, genetic information, citizen status (except those that do not have the legal right to be employed in the United States), disability, military service, service member, veteran status, or any other basis protected by applicable law.

Please be aware that all offers of employment are made subject to receipt of satisfactory background and financial checks.

Attention job applicants: Please note that in compliance with the data protection regulations within your jurisdiction, any personal information submitted with your job application may be collected and used by NMI for the purpose of recruitment and employment-related activities. By submitting your application, you acknowledge and provide explicit consent to the processing of your personal information as described in our privacy policy found on our website. For more information on how we process your information, please read our privacy policy here: https://www.nmi.com/legal/privacy-policy/

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