Software Engineer II, Backend

Responsibilities

• Build and maintain critical financial infrastructure, including bank connection integrations (Plaid, Finicity, Teller), financial statement processing systems, and real-time transaction data pipelines.
• Develop and optimize the underwriting engine that powers credit decisions for thousands of businesses, ensuring sub-second latency and high reliability.
• Implement customer-facing features for credit limit management, bank connections, and financial data collection in our React/TypeScript dashboard.
• Collaborate with Credit Risk, Capital Markets, and Product teams to translate business requirements into scalable technical solutions.
• Design and build internal tooling for Operations and Portfolio Management teams to manage credit risk and handle edge cases.
• Own problems end-to-end, from user experience and API design to data models, scalability, and ongoing observability.
• Work with ML models in production, integrating credit risk models (PD models, affordability frameworks) into real-time decisioning flows.
• Participate in on-call rotation and maintain high operational standards for mission-critical systems.

Requirements

• 2+ years of full-time software engineering experience with a focus on backend development.
• 1+ year of experience in financial systems, payments, underwriting, or a fintech application or experience in building systems for other regulated industries (e.g. healthcare, legal).
• Strong curiosity for digging deep into the technical problems, and strong ownership capable of delivering high quality solutions.
• Experience building and scaling production systems, preferably in data-intensive or financial domains.
• Proficiency in backend technologies (e.g., Kotlin, Java, Typescript) and comfort with our stack (Kotlin and Micronaut).
• Experience architecting, developing, and testing full-stack applications end-to-end.
• Comfort working with databases (e.g., PostgreSQL), event streaming (e.g., Kafka), and distributed systems.
• A high bar for engineering standards: code quality, testing, observability, and operational excellence.
• Strong written and verbal English communication and interpersonal abilities.

Nice-to-Haves / Compensation

• The expected salary range for this role is $152,000 - $190,000. Starting base pay depends on location, skills, experience, market demands, and internal pay parity. Equity and other forms of compensation may be provided as part of a total compensation package.