Uncubed
           

Senior Backend Software Engineer

Petal, NYC or Remote (US Only)

Credit that's honest, simple, and accessible.


The Petal mission

Petal’s mission is to bring financial opportunity and innovation to everyone. 

We're pioneering a new approach to credit, by analyzing an applicant’s banking history, in addition to credit history, to determine their creditworthiness. We call this technology a Cash Score — and it takes into account income, spending, and savings. It’s currently helping thousands of people qualify for credit at better rates, even if they’ve never had it before. 

We bring the same ingenuity to our credit card products. Our simple and intuitive app gives members access to credit score tracking, budgeting tools, subscription management, and automated payment options—everything they need to make financial progress. 

Now more than ever, Americans need help improving their credit safely, responsibly, and affordably. If this sounds like something you’d like to be a part of, apply now, and let’s change this trillion-dollar industry together. 

At Petal, we're looking for people with kindness, positivity, and integrity. You're encouraged to apply even if your experience doesn't precisely match the job description. Your skills and potential will stand out—and set you apart—especially if your career has taken some extraordinary twists and turns. At Petal, we welcome diverse perspectives from people who think rigorously and aren't afraid to challenge assumptions.


Join a team of talented, motivated, and collaborative engineers to wrangle complex, ever-changing business requirements under control. Our systems must function reliably at all times in order for Petal to deliver on its promise of simple, accessible credit. These services and workloads detect fraud, process payments, integrate with a suite of data providers, and serve our app experience. To get this job done, we value open communication, diversity of thought, and a keen eye for detail.

Sound interesting? Then keep reading and hit that apply button!

Key responsibilities

  • Write high-quality, well-tested server-side code that run smoothly in production and elevates the standards across the team
  • Design system architectures for new event source use cases and batch processes
  • Teach across the broader engineering organization to improve best practices and influence system design
  • Lead complex projects, influence product design and make business vs technology trade-offs during all phases of the project lifecycle, consistently delivering on time
  • Collaborate with various Petal stakeholder teams (e.g., product, analytics, operations, risk, compliance) and third-party technology vendors (e.g. credit bureaus, credit processors, bank data aggregators)

Characteristics of a successful candidate

  • Experienced in designing, developing, testing, shipping, and scaling service-oriented/distributed applications or systems.
  • Strong self-management, sense of ownership, and organization. Petal’s open and collaborative environment enables proactive and organized employees to really shine.
  • Displays inclusivity, kindness, and humility. Our inclusive and collaborative culture is what makes Petal a great place to work. We need diverse people who embody our core values to make it even greater.
  • Collaborative, empathetic, listens with intent. Communication of complex, ever-changing business and technology concepts is hard. Creating a shared understanding and path forward via an open discussion is commonplace at Petal. 
  • Passionate about systems design and robust software. Our backend platform change often as we work and experiment to bring credit to as many people as we can. We are passionate about software architecture and fault tolerant production systems. 
  • Detail-oriented; a strong focus on testing frameworks. Petal’s banking platform systems are complex and mission-critical. We rely on strong testing frameworks and a focus on the details of requirements to deliver features correctly. 
  • Weighs trade-offs and focuses on value delivery. A fast-paced startup demands making trade-offs that balance the near term and long term value add of solutions. At Petal, we design robust systems, but try not to let the perfect be the enemy of the good.

Nice-to-haves

  • Demonstrated expertise in Python
  • Experience in a highly regulated industry such as finance or healthcare

  • These are all "nice-to-haves" --- we don't expect every candidate to hit every mark.  Many of our engineers come from different backgrounds and career paths. We're committed to teaching anything you might need to learn on the job.


For our California employment information privacy statement, please click here.

About Petal

Petal is a simple, no-fee credit card that’s transparent, intuitive, and doesn’t require a credit score. We make credit underwriting decisions with machine learning, analyzing our customer’s full digital financial record—not just their credit score. This allows us to provide the first ever introductory credit card with high credit limits, great rates, and no-fees whatsoever.

Petal

Want to learn more about Petal? Visit Petal's website.