Financial Systems Engineer

TL;DR: We're looking for an experienced engineer to build and own Lovable's financial systems infrastructure - the systems that power our payment flows, usage metering, monetization, and billing infrastructure. Why Lovable? Lovable lets anyone and everyone build software with any language. From solopreneurs to Fortune 100 teams, millions of people use Lovable to transform raw ideas into real products - fast. We are at the forefront of a foundational shift in software creation, which means you have an unprecedented opportunity to change the way the digital world works. Lovable-built applications and websites are visited hundreds of millions of times a month, and our enterprise footprint is compounding fast. And we’re just getting started. We’re a small, talent-dense team building a generation-defining company from Stockholm. We value extreme ownership, high velocity, and low-ego collaboration. We seek out people who care deeply, ship fast, and are eager to make a dent in the world. Why this role? As we scale globally, our financial systems need to match. We're building a dedicated Financial Engineering team to own everything that connects product usage to revenue — subscription billing, a credit-based usage model, pass-through service billing, and the infrastructure to support new monetization models as we grow. This is a senior role with outsized impact. You won't be stuck maintaining legacy systems. You'll be rebuilding and rearchitecting while we're still small enough to do it right, shaping the architecture that will support our scale-up journey for years to come. What we’re looking for Must Have - 8+ years building production financial systems (payments, billing, metering, or fintech infrastructure) - Deep expertise with payment platforms—subscription billing, international payments, payment lifecycle management - Strong backend engineering skills with systems handling real money at scale - Experience with usage-based or consumption billing models - Track record working in mature environments where you've seen "what good looks like" - Experience in financial compliance environments—tax, audit standards, or regulated fintech - Comfortable with ambiguity—you can take a business problem and architect a technical solution Technical Skills - Understanding of financial data accuracy requirements (reconciliation, audit trails, idempotency) - Proficiency in backend languages (TypeScript, Python, Go, or similar) - Experience with PostgreSQL or similar relational databases - Familiarity with event-driven architectures and real-time data processing - Cloud platform experience (GCP preferred) Nice to Have - Experience with cloud cost management tools (FinOps) - Background in revenue recognition (ASC 606) or financial compliance - Previous work at a company with usage-based pricing - Experience with workflow engines like Temporal What you’ll do Front-Office Systems - Own the billing system of record—from Stripe integration through to the metering ledger - Build and scale metering infrastructure for our credit-based economy - Architect billing pipelines for pass-through services with cost attribution and margin tracking - Design monetization systems that support new pricing models - Implement fraud detection and payment failure recovery workflows - Handle multi-currency pricing and settlement for global customers Back-Office Systems - Build cloud/LLM cost management systems—tracking, allocation, and optimization - Develop internal tooling for discounts, credits, and promotional mechanics - Create financial reconciliation pipelines between multiple systems - Support ASC 606 revenue recognition requirements - Work with tax engines and compliance tooling Cross-Functional - Partner with Finance, BizOps, and Product to translate business requirements into technical solutions - Collaborate with Data Engineering on financial data pipelines - Define technical standards and best practices for financial systems What Success Looks like First 30 Da