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.

Compensation

The expected salary range for this role is $152,000 - $190,000. However, the starting base pay will depend on a number of factors, including the candidate’s location, skills, experience, market demands, and internal pay parity. Depending on the position offered, equity and other forms of compensation may be provided as part of a total compensation package.