Software Engineer, Credit Risk Platform

Responsibilities

• Design, develop, test, and maintain backend services and internal tools that support risk strategy across multiple products (e.g., eligibility, limits, exposure tracking, policy enforcement)
• Contribute to reusable platform primitives that make it faster and safer to launch new credit products without duplicating risk decisioning and controls
• Build and improve workflows that enable Credit Risk teams to adjust strategies (rules, thresholds, segmentation) with appropriate guardrails and review processes
• Integrate third-party data sources used in decisioning and monitoring, including implementing data validation, error handling, and resilience to vendor changes
• Add instrumentation, dashboards, and alerts for key risk and loss signals, and participate in on-call/incident response as part of a supportive team rotation
• Collaborate with senior engineers to learn best practices in system design, testing, and operational excellence
• Proactively identify reliability and scalability improvements and drive them to completion with mentorship and feedback

Requirements

• 3+ years developing software in a production environment
• Experience with Ruby on Rails or comparable frameworks, building and operating APIs
• Experience working with relational databases and caching systems, and writing safe schema changes and migrations
• Familiarity with distributed systems fundamentals (async processing, idempotency, retries, backfills) and an interest in learning deeper system design
• A strong appreciation for maintainable, well-tested code and a willingness to improve existing systems, not just ship new ones
• Comfort working across teams to clarify requirements, communicate tradeoffs, and deliver incrementally
• Interest in data-driven systems and integrating external/third-party data sources (fintech or risk experience is a plus, not required)

Compensation

Base salary: $133,000 - $184,000 depending on location, skills, qualifications, and experience. Full-time employees eligible for bonus, equity, and benefits.