Senior Backend Engineer

Description

About the company

The company builds AI-native credit infrastructure for B2B commerce. We help growing businesses access capital and help credit teams make faster, better, more automated decisions.

We are looking for a senior backend engineer to own the backend systems that make that possible.

Responsibilities

• You will work on the backend systems that power the company’s embedded credit, payments and underwriting.
• You should be excited by messy, important problems. Your job is to turn ambiguous problems and improvements into reliable production systems.
• Build and own production systems for underwriting, bank-data review, credit review workflows, portfolio monitoring.
• Create reusable infrastructure for evidence gathering, decisioning, monitoring, and human-in-the-loop review.
• Build internal tools that help the credit risk team review data, understand decisions, handle exceptions, and move faster without sacrificing correctness.
• Clearly communicate technical assumptions, tradeoffs, failure modes, system boundaries, and migration plans.
• Own ambiguous projects end-to-end: define the problem, propose a path, align across teams, ship production slices, measure, and iterate.
• Improve the reliability, latency, correctness of systems that directly affect credit decisions and customer experience.

Requirements

• 5+ years of backend engineering experience, preferably in a fast-moving environment.
• Strong production backend experience with Node.js/TypeScript.
• Strong SQL skills and comfort working with relational databases, data warehouses, ETL/data pipelines, and messy real-world data.
• Experience designing APIs, services, jobs, data models, and contracts that other teams depend on.
• Experience in payments infrastructure.
• A track record of shipping systems where correctness, reliability, and operational clarity matter.
• High agency and proactive: you do not need fully specified tickets, and you know how to create clarity when the problem is vague.
• Strong written and verbal communication. You can explain tradeoffs, and failure modes.
• Product judgment for internal users. You care whether the system actually improves underwriting decisions and workflows, not just whether the code shipped.
• Experience with AWS, Postgres, Snowflake, queues, async jobs, observability tooling, and third-party financial APIs.
• Excitement around building AI-native infrastructure and agentic workflows, both within the engineering team as well as broader credit and data science teams.
• Excited to experiment with AI tools.
• Strong plus: Startup experience, especially in a high-ownership environment.
• Why the company
• You will work on the core systems that determine how the company understands risk, extends capital, and helps businesses grow.
• You will have high ownership: small team, important surface area, real production impact.
• You will report to the CEO and work on mission-critical projects.
• You will help build the operating system for B2B credit: faster decisions, better workflows, stronger feedback loops, and scalable infrastructure.
• Other
• Location: San Francisco preferred. Exceptional remote candidates in compatible time zones considered.
• Level: Senior IC.
• Experience: 5+ years
• Visa: US citizen/visa only