Company Description

M1 Finance has created a personal wealth-building platform made for the modern era, uniting personal perspective and automated ease. We seamlessly combine free investing and low cost borrowing all in one intuitive, automated Finance Super App, and we’re driven by a mission to empower personal financial well-being. We believe that financial well-being is fundamental to overall well-being, and we strive to deliver products that are simpler, smarter, and stronger than those created by our boring, entrenched, and slow-moving competitors in the personal finance industry.

Our clients have already trusted us with over $12 billion of assets, we’re currently helping hundreds of thousands of people grow and manage their wealth with our industry-leading automation and tools, and we’re adding thousands of new clients every day.

We’re looking for passionate people who want to improve and build on what we’ve created and take responsibility to help others build something meaningful and sustainable for their futures.

We mean it when we say, “M1 is yours to build.”

If this sounds interesting to you, read on!

Job Description

We’re a high-performing team of engineers driven by curiosity, clarity, and craft. We move with purpose and iterate quickly, guided by a clear vision and a commitment to continuous improvement. We value first-principles thinking and open collaboration, challenging assumptions respectfully while supporting one another to deliver our best work. Every engineer plays a meaningful role in shaping the product, influencing everything from architecture to implementation.

We’re looking for an experienced Staff Android Engineer to help drive the next evolution of our product. You’ll work closely with a talented, collaborative team that values transparency, impact, and technical excellence.

If you’re excited by growth, impact, and solving complex problems alongside exceptional peers, we’d love to hear from you. This role is open to both remote candidates and those interested in a hybrid model based out of our Chicago HQ.

What you’ll do

• Design and Build: Develop and enhance features that elevate our Android application, leveraging modern frameworks like Jetpack Compose, Coroutines, and GraphQL.

• Architect and Refactor: Lead modernization efforts, evolving legacy components into scalable, maintainable architecture.

• Champion Quality: Write clean, testable, and maintainable code while establishing strong testing and CI/CD practices.

• Collaborate Cross-Functionally: Partner closely with product managers, designers, and backend engineers to deliver seamless user experiences.

• Stay Current: Keep pace with the evolving Android ecosystem and identify opportunities to incorporate new platform capabilities.

• Mentor and Lead: Share knowledge, conduct thoughtful code reviews, and help guide technical discussions that raise the bar for the team.

• Operate with Ownership: Monitor, diagnose, and resolve production issues to ensure reliability and performance across the Android platform

Qualifications

• 8+ years of industry experience

• Deep understanding of the Android SDK

• Fluency in Kotlin with strong knowledge of Coroutines and asynchronous programming

• Hands-on experience with Jetpack Compose (Bonus: Compose/View interoperability, custom layouts, and design system components)

• Solid architectural foundation (MVVM, Hilt, modularization strategies)

• Expertise with Gradle and build system optimization

• Experience with OkHttp and GraphQL (Apollo client preferred)

• Proven track record of writing robust, maintainable tests

• Strong communication skills with experience mentoring other engineers

• Familiarity with client application and systems architecture patterns

• Prior experience building and maintaining apps with comprehensive feature sets and rich user interfaces

• Prior experience operating and supporting production apps

• Structured, organized thinker that is both attentive to detail and mindful of the big picture

• Interest in investing and personal finance

• Experience partnering closely with iOS Engineers or contributing to iOS app development is a strong plus

Salary band - $180,000 - $210,000

Additional Information

Our Values

Our team embodies our ten core principles and if these principles speak to you – we’d love to talk with you.

• Mission driven Wealth expands what life can be. We exist to help people build it, optimizing with intelligence and precision so their resources become fuel for possibility. This is work worth doing.

• Extreme ownership We own outcomes, not just tasks. When something affects our clients, teammates, or shareholders, we take full responsibility. No excuses, no finger-pointing, no waiting for someone else to act.

• Boldness Thinking small is a self-fulfilling prophecy. We set ambitious goals because they inspire ambitious results. We would rather fail at something meaningful than succeed at something trivial.

• Ruthless prioritization Our ambition will always exceed our capacity. We say no to good ideas so we can pursue great ones, and we use time as a constraint that forces the choice. Generous timelines don't prevent delays; they invite sprawl.

• Integrity We tell the truth: to clients, to each other, to ourselves. We are direct about trade-offs, honest about risks, and unapologetic about what we believe. Trust is earned through clarity, not comfort.

• Effectiveness Intelligence and leverage are how we do more with less. We care about results, not activity. Whatever it takes to deliver, whether that demands disciplined process or resourcefulness.

• Team over self We achieve more together than alone. We hire people who elevate others, we share credit generously, and we treat a teammate's problem as our own.

• Transparency We share information openly, communicate simply, and provide the context people need to make good decisions fast. No hoarding, no politics, no spin.

• Momentum Perfection is a direction, not a destination. Crawl, walk, run, sprint. We make consistent progress with the speed and precision a financial institution demands.

• Resilience Big goals come with setbacks. Markets turn, plans break, timelines slip. We adapt without losing resolve, treating obstacles as problems to solve rather than reasons to quit.

Our Perks

• Competitive Pay and Stock Options

• Comprehensive health, dental, vision, disability, and life insurance

• Retirement benefit with employer match

• Unlimited PTO

• Transparent and open communication with leadership

M1 is an equal opportunity employer and values diversity across the company. M1 does not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.