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Mogo Finance Technology Inc.MI

AI-Native Full Stack Engineer

Mogo is a Canadian financial technology company that offers a suite of digital financial products designed to help consumers manage their financial health, including loans, credit score monitoring, and commission-free stock trading.

Mogo Finance Technology Inc.

Employee count: 201-500

Salary: 115k-150k CAD

Canada only

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Help Transform a Real Fintech Company Into an AI-Native System

Orion Digital Corp. operates real revenue-generating platforms across lending, investing, and payments.

  • We are regulated.
  • We have production infrastructure.
  • We have legacy systems.
  • And we are redesigning the core.

We are in the middle of becoming AI-native, not as a feature layer but as a structural shift in how software is built, how decisions are made, and how workflows operate.

This is not greenfield experimentation.

This is live-system transformation.

If you want to help rebuild a functioning fintech company into an AI-native operating model, this role is aligned.

The Context

AI is compressing the cost of software creation and decision-making toward zero. The advantage is no longer who ships more code. It’s who redesigns systems around intelligence.

Orion is restructuring around that reality.

We are:

  • Replacing manual workflows with agents
  • Embedding intelligence into core systems
  • Redesigning deterministic architectures to incorporate probabilistic reasoning
  • Building evaluation and reliability frameworks where none previously existed

This transformation is active and underway. You will help drive it.

The Role

You will design and ship production-grade AI systems inside a live fintech environment.

This is not prompt engineering.

This is systems engineering during architectural transition.

You will:

  • Redesign legacy workflows into AI-native systems
  • Architect LLM-backed services integrated with production APIs
  • Build multi-step agents that reason and take actions across internal systems
  • Design hybrid architectures combining deterministic logic with probabilistic reasoning
  • Implement model routing and cost-aware execution
  • Build fallback and confidence-aware systems
  • Own reliability, evaluation, and observability
  • Ship safely in regulated, production environments

You are not joining a finished AI-native machine.

You are helping build it.

What You’ll Work On

Transforming Existing Systems

  • Replace manual review processes with AI agents
  • Introduce structured-output-first services into legacy APIs
  • Embed intelligence into lending, investing, and operations systems
  • Migrate deterministic decision flows into adaptive models

Building the AI Layer

  • Tool-calling agent architectures
  • RAG systems connected to internal data
  • Orchestration pipelines across services
  • Evaluation frameworks for probabilistic systems
  • Monitoring for latency, cost, hallucination risk, and drift
  • Compliance-aligned guardrails

Raising the Engineering Standard

  • Introduce AI-native development workflows
  • Build internal leverage tools
  • Reduce human dependency in repeatable processes
  • Improve output without increasing headcount

What You Bring

Core Engineering

  • 4+ years building production backend or full stack systems
  • Strong Node.js and TypeScript experience
  • Experience with APIs and distributed systems
  • Experience building and shipping mobile applications (React Native or similar)
  • Comfortable operating in complex, real-world systems

AI Systems Experience

You have shipped AI systems beyond prototypes.

You understand:

  • Structured outputs and tool calling
  • Agent orchestration patterns
  • RAG architectures
  • Prompt versioning and evaluation
  • Latency and cost trade-offs
  • Debugging LLM behavior in production

Infrastructure

  • Cloud-native experience (AWS preferred)
  • CI/CD and infrastructure-as-code
  • Event-driven architectures
  • Comfort working in regulated or data-sensitive environments

Bonus:

  • Python for experimentation
  • Experience migrating legacy systems
  • Experience building internal AI platforms

How You Operate

  • You take ownership of outcomes.
  • You are comfortable replacing existing systems.
  • You move quickly without lowering standards.
  • You think in leverage, not effort.
  • You measure impact.
  • You hold your own work to a high bar.

You are not intimidated by ambiguity or transition.

Performance Expectations

You will be measured on:

  • Successful migration of workflows to AI-native systems
  • Production reliability and durability
  • Measurable reductions in manual effort
  • Intelligence lift across product and operations
  • Engineering leverage created
  • Standards raised across the team

This is a transformation role.

What This Role Is Not

  • Not a prompt experimentation role
  • Not AI theatre
  • Not a low-ownership environment

This is real system redesign inside a live fintech company.

Why This Is Rare

Most companies experimenting with AI are startups without legacy constraints.

Very few engineers get to:

  • Re-architect real revenue-generating systems
  • Transform a public fintech company
  • Replace human workflows with intelligent systems at scale
  • Define what “AI-native” means inside a regulated environment

This is that opportunity.

Compensation

Base salary: $115,000 to $150,000 CAD

Compensation aligned with demonstrated AI capability, ownership, and impact.

Next Steps

If you are energized by transformation rather than intimidated by it, we encourage you to apply.

We hire deliberately. Every addition to the team should raise the average.


About the job

Apply before

Posted on

Job type

Full Time

Experience level

Mid-level

Salary

Salary: 115k-150k CAD

Experience

4 years minimum

Location requirements

Hiring timezones

Canada +/- 0 hours

About Mogo Finance Technology Inc.

Learn more about Mogo Finance Technology Inc. and their company culture.

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For many Canadians, navigating the world of personal finance can feel overwhelming and complex. Traditional banking systems often present hurdles that make it difficult to build wealth and achieve financial security. Our customers face these challenges daily, from understanding their credit scores to managing debt and making sound investment choices. This is why we created Mogo, a financial technology company designed to empower you on your journey to financial freedom. We believe that everyone deserves a clear path to wealth creation, and our digital solutions are built to make that a reality. We provide our members with a comprehensive suite of tools, all accessible through a single, user-friendly platform. Whether you're looking to monitor your credit score for free, protect yourself from identity fraud, or take control of your spending with our MogoCard, we're here to support you every step of the way.

We understand that our customers need more than just basic financial products; they need a partner who is invested in their success. That's why we offer solutions like MogoMoney for responsible borrowing, MogoTrade for commission-free stock trading, and Moka for automated investing. Our goal is to demystify the world of finance and provide you with the resources and knowledge to make informed decisions. We're not just a service provider; we're a community of over two million members who are all working towards a better financial future. We are committed to not only helping our customers achieve their financial goals but also making a positive impact on the world. Through our partnership with Flash Forest, we contribute to reforesting Canadian forests, allowing our members to build wealth while contributing to a more sustainable future. With Mogo, you're not just managing your money; you're investing in yourself and the world around you.

Employee benefits

Learn about the employee benefits and perks provided at Mogo Finance Technology Inc..

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Stock Options

Have a stake in the company's success through stock options.

Comprehensive Health and Wellness

Access medical, dental, and vision coverage plus a Health Spending Account.

Flex Vacation

Benefit from paid time off, including vacation days, holidays, and personal days.

ALWAYS FULLY REMOTE WORK

Enjoy the flexibility of remote work, supported by necessary resources #LI-Remote.

View Mogo Finance Technology Inc.'s employee benefits
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Mogo Finance Technology Inc.

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