Experienced Software Engineer - Credit

We build simple yet innovative consumer products and developer APIs that shape how everybody interacts with money and the financial system.

We believe that the way people interact with their finances will drastically improve in the next few years. We’re dedicated to empowering this transformation by building the tools and experiences that thousands of developers use to create their own products. Plaid powers the tools millions of people rely on to live a healthier financial life. We work with thousands of companies like Venmo, SoFi, several of the Fortune 500, and many of the largest banks to make it easy for people to connect their financial accounts to the apps and services they want to use. Plaid’s network covers 12,000 financial institutions across the US, Canada, UK and Europe. Founded in 2013, the company is headquartered in San Francisco with offices in New York, Washington D.C., London and Amsterdam.

This Credit Insights team is responsible for building best-in-class cashflow based insights products that enable lenders to make more holistic lending decisions and empower broader access to Credit products for prospective borrowers. We believe Plaid has the power to be the next-gen Credit Bureau - supporting large scale adoption of cash flow into the credit underwriting process.

You will be responsible for executing against an ambitious roadmap for building Credit insights products. You will partner with our Product, Data Science, and Machine Learning team to iterate on and productionize new insights that enable our customers to make more holistic lending decisions.

Responsibilities

• Designing and building backend systems that power our credit insights experiences.
• Collaborating closely with Product, Data Science and Machine Learning partners to drive technical execution on major features that enable Credit underwriting use cases
• Mentoring engineers and contributing to a strong, inclusive team culture.

Qualifications

• 5-7 years of software development experience
• Experience with MySQL or other relational databases
• Excellent coding, testing, and system design skills.
• Experience collaborating with data science or ML teams, with an understanding of how ML models integrate into production systems
• Demonstrated leadership skills and the ability to mentor and guide junior engineers.
• [nice-to-have] Experience working in the credit or lending space

The target base salary for this position ranges from $180,000/year to $270,000/year in Zone 1. The target base salary will vary based on the job's location.

Our geographic zones are as follows:

Zone 1 - New York City and San Francisco Bay Area

Zone 2 - Los Angeles, Seattle, Washington D.C.

Zone 3 - Austin, Boston, Denver, Houston, Portland, Sacramento, San Diego

Zone 4 - Raleigh-Durham and all other US cities

Additional compensation in the form(s) of equity and/or commission are dependent on the position offered. Plaid provides a comprehensive benefit plan, including medical, dental, vision, and 401(k). Pay is based on factors such as (but not limited to) scope and responsibilities of the position, candidate's work experience and skillset, and location. Pay and benefits are subject to change at any time, consistent with the terms of any applicable compensation or benefit plans.

Our mission at Plaid is to unlock financial freedom for everyone. To support that mission, we seek to build a diverse team of driven individuals who care deeply about making the financial ecosystem more equitable. We recognize that strong qualifications can come from both prior work experiences and lived experiences. We encourage you to apply to a role even if your experience doesn't fully match the job description. We are always looking for team members that will bring something unique to Plaid!

Plaid is proud to be an equal opportunity employer and values diversity at our company. We do not discriminate based on race, color, national origin, ethnicity, religion or religious belief, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender, gender identity, gender expression, transgender status, sexual stereotypes, age, military or veteran status, disability, or other applicable legally protected characteristics. We also consider qualified applicants with criminal histories, consistent with applicable federal, state, and local laws. Plaid is committed to providing reasonable accommodations for candidates with disabilities in our recruiting process. If you need any assistance with your application or interviews due to a disability, please let us know at accommodations@plaid.com.