Founding Engineer, Financial Products

Location: San Francisco-HQ, New York

Department: Engineering

Location Type: HYBRID

Employment Type: FULL_TIME

The Role

What Youll Do

• Build new financial products from 0 to 1. Partner with our Product Lead to rapidly turn customer problems and product ideas into prototypes, experiments, and production-ready experiences.
• Own products end-to-end. Take responsibility for the full technical lifecycle from architecture and implementation through launch, monitoring, iteration, and scale.
• Help shape the product, not just the code. Participate in product discovery, challenge assumptions, identify opportunities, and bring technical creativity to decisions about what we build.
• Move quickly from idea to customer. Prototype and ship early versions of products so we can learn from real users, validate hypotheses, and iterate quickly.
• Build across the stack. Work across consumer-facing applications, backend services, APIs, data models, integrations, and infrastructure depending on what the product requires.
• Develop intuitive consumer experiences. Build simple, trustworthy experiences for financial products that may otherwise feel complex or inaccessible.
• Integrate with financial and commerce ecosystems. Build integrations with financial institutions, fintech platforms, retailers, delivery platforms, and other third-party partners that power our products.
• Use data to improve what you build. Partner with Product and Data to understand user behavior, measure product performance, and iterate based on what we learn.
• Balance speed with trust. Make thoughtful engineering decisions in a regulated environment where security, privacy, reliability, and compliance are critical.
• Establish the technical foundation for a new product area. Make early architectural decisions that allow us to experiment quickly today while building toward products that can eventually serve millions of consumers.
• Help build the team. As an early engineer in this product area, help establish engineering practices, technical standards, and culture as the team grows.

What Were Looking For

• 4+ years of professional software engineering experience, ideally with experience building consumer-facing products from 0 to 1.
• Strong full-stack engineering skills and the ability to independently build and ship complete product experiences.
• A product mindset you care deeply about the customer problem, not just the technical implementation.
• Experience working in highly ambiguous environments where the right solution isnt obvious and requirements evolve as you learn.
• A track record of moving quickly from idea to prototype to production while maintaining high standards for quality.
• Strong frontend experience with modern frameworks such as React and TypeScript paired with the ability and willingness to build backend systems.
• Experience designing backend services, APIs, integrations, and data models.
• Strong understanding of software engineering fundamentals, including system design, testing, debugging, performance, and scalability.
• Ability to make pragmatic tradeoffs between speed, technical quality, user experience, and long-term scalability.
• Strong communication and collaboration skills and an ability to work closely with Product, Design, Data, Legal, Security, and business teams.
• High degree of ownership and comfort independently driving projects from loosely defined problems to measurable customer outcomes.
• Excitement about advancing food access, financial inclusion, and financial opportunity for millions of Americans.

Preferred Technical Experience

• Frontend: TypeScript, React, HTML/CSS
• Backend: Python, Django, REST APIs
• Infrastructure: AWS and cloud-native architectures
• Data: Relational databases, data modeling, analytics, experimentation
• Systems: Distributed systems, asynchronous processing, scalable APIs
• Integrations: Financial APIs, payments infrastructure, banking platforms, third-party APIs
• Engineering Practices: Automated testing, CI/CD, observability, monitoring, and modern development workflows

Our Offer

• Expected salary range: $195k-$230k USD base salary, plus equity and benefits. Depending on Experience
• Meaningful work that makes a positive impact on our society.
• 100% of Medical, Dental and Vision premium coverage for yourself and dependents. 
• Enjoy regular team lunches at our New York or San Francisco offices, fostering collaboration and connection over great food.
• A fun and caring environment that prioritizes transparency, growth, and ownership.
• A talented, high-achieving, and humble team with diverse backgrounds and viewpoints.