Android Software Engineer — Cashalo

EMPOWER OVERVIEW

Empower is shaking up an outdated financial system by providing real opportunity for our customers: the opportunity to get the cash they need, to access fair credit, and to change their financial story. Today, we’re helping millions of people find financial security through machine learning models that evaluate creditworthiness using a more inclusive lens and mobile-first products: Cash Advance, Thrive line of credit, and Petal credit cards. Tomorrow? Creating even more financial paths for our customers (and their wallets) to succeed.

This year, Empower ranked #65 on Inc. 5000’s Fastest-Growing Private Companies list — our third year in a row cracking the top 100 — and was named by Forbes as one of the 25 Next Billion-Dollar Startups for 2024. Empower was also featured by Forbes on America’s Best Startup Employers list in 2023, and our Thrive line of credit product was named by Fast Company as one of 2022’s Next Big Things in Tech.

Empower is backed by Sequoia Capital, Blisce, and Icon Ventures. Ready to grow your impact and accelerate your career? Take a look at our open roles — we can’t wait to meet you.

As an Android Software Engineer for Cashalo, you’ll help build and shape the Android mobile app that powers the Cashalo customer experience for millions across Southeast Asia. You won’t just write code — you’ll act as a true Product Engineer, taking ownership of features from idea to production. You’ll collaborate closely with Product Managers, Designers, and Data teams to deeply understand our customers, translate insights into solutions, and deliver intuitive, reliable, and secure experiences that help people access fair credit when they need it most.

You’ll also effectively leverage AI-powered development tools (like Cursor, Augment, or Factory) to improve productivity, code quality, and collaboration across the team.

This role is remote-first within the Philippines, Australia or Singapore. You’ll collaborate virtually with your team day-to-day, and travel is expected at least twice a year for global Empower offsites, plus occasional Cashalo team offsites in the Philippines to connect, plan, and build for the future.

• Design, build, and maintain high-quality Android applications for Cashalo customers.

• Take true end-to-end ownership of features: shape product requirements, work through edge cases, and deliver robust, user-friendly solutions.

• Collaborate closely with Product and Design to deeply understand customer problems, challenge assumptions, and ensure we build the right thing — not just build things right.

• Contribute to and champion software engineering best practices and standards.

• Implement secure coding standards aligned with Empower’s Secure Development Policy.

• Perform regular security testing and code reviews to maintain and improve app security.

• Use AI-powered development tools to boost productivity, code quality, and team collaboration.

• Monitor app performance and user feedback, proactively identifying and resolving bugs and performance issues.

• Own the Android app build pipeline, including build automation, testing, and publishing to the Google Play Store.

• Stay up to date with Android development trends, especially around Kotlin and Jetpack Compose, and share best practices with the team.

• Write clear engineering specs, acceptance criteria, and server contracts.

• Contribute to sprint planning, backlog grooming, and cross-functional discussions to continuously improve how we build and ship features.
  

• Bachelor’s degree or higher in Computer Science, Software Engineering, or related field.

• 5+ years of experience developing and shipping consumer-facing Android apps.

• Proven experience owning features end-to-end as a Product Engineer — you care as much about the why as the how.

• Strong proficiency in Kotlin and modern Android development best practices.

• Hands-on experience building UI with Jetpack Compose.

• Strong product sense — you think about the user journey, edge cases, and performance.

• Solid experience working with REST APIs and app security best practices.

• Experience with CI/CD pipelines for Android builds and releases.

• Proven ability to leverage AI-powered developer tools to work smarter, improve code quality, and help others do the same.

• Excellent collaboration skills — you love working closely with Product, Design, and Data.

• You thrive in a fast-paced, collaborative environment and love solving complex customer problems.

1. Initial Recruiter Call: Let’s get to know each other and ensure there’s a great fit.

2. Hiring Manager Interview: A deeper discussion of your experience and approach to solving challenges.

3. Skills Panel: Meet Cashalo team members and demonstrate your technical and product-thinking approach through real-world scenarios.

4. Leadership Conversation: A final chat with our leadership team to align on our mission, your goals, and how we can succeed together.

Don't meet every qualification? If you're excited about this challenge and driven to innovate, we still want to hear from you!

• Meaningful Ownership: Competitive salary and generous equity in a profitable, fast growing company.

• Complete Support: 100% coverage for medical, dental, vision, and life insurance, plus a generous WFH reimbursement.

• High-Impact Teams: The chance to thrive in a small, focused team where your contributions directly shape outcomes for our business and customers.

• Remote First: A virtual first environment built on trust and outcomes.

• Team Connection: Twice-yearly company onsites where we come together to connect, learn, and build for the future (our last few have been in San Diego, Vail, and Flagstaff)!

• Growth Path: Ongoing opportunities for development in a dynamic, supportive, and creative environment.

The Empower Way is one where bold ambition meets an owner mindset, where open dialogue and spirited debate are encouraged, and where everyone works together to put our customers first. We believe diverse voices lead to the best ideas, and we foster an environment where every individual is valued, heard, and supported as part of one unified team working to change lives and build a more inclusive future.

If that sounds like you, join us and be part of a team that's helping millions of people reshape their financial futures.