Software Engineer Credit
Skills
About the Role
You will own the technical roadmap for underwriting, limit management, portfolio optimization, and agentic workflows. You will architect scalable stateful systems, build real-time credit decisioning and risk controls, automate credit decisions, and partner with analysts, data scientists, and product partners to translate risk strategies into reliable software.
Requirements
- 2+ years of backend engineering experience.
- Proficiency in Python or a comparable backend language.
- Experience with distributed systems and async frameworks.
- Ability to convert abstract business problems into robust data models and technical specifications.
- Experience building or operating systems with strict auditability, observability, and correctness guarantees.
- Ability to work closely with non-engineering partners in Risk Strategy, Operations, and Sales.
Responsibilities
- Architect scalable, stateful systems for automated limit management.
- Build agents and tools that automate manual credit decisions and improve operational efficiency.
- Develop high-volume, low-latency risk controls for new products, customer segments, and geographies.
- Design and build real-time decisioning systems across the credit lifecycle.
- Partner with analysts, data scientists, and product partners to translate risk strategies into reliable software.
Benefits
- Equity
- Flexible PTO
- Centralized home-office equipment ordering
- Health and wellness stipend
- Budget for intra-office travel
- Weekly coffee stipend
- 100% medical, dental, and vision insurance coverage for employees, with partial dependent coverage
- One Medical annual membership
- 401(k) with employer match
- Fertility HRA up to $10,000 per year
- Paid parental leave
- Pet insurance
- In-office meals and refreshments
- Relocation support to New York City or San Francisco