Plaid

Experienced Software Engineer - Credit

New York, New York, United States

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$182,520 – $297,000Compensation

Mid-level (3 to 4 years), Senior (5 to 8 years)Experience Level

Full TimeJob Type

UnknownVisa

Fintech, Financial ServicesIndustries

Requirements

Candidates should possess excellent coding and testing skills, experience designing and implementing large-scale backend systems, and experience as a project lead, owning work end-to-end for two or more quarters. It is also desirable to have strong communication skills and experience working in the Credit/Lending space, along with familiarity with Python, Golang, SQL, and/or AWS.

Responsibilities

The Experienced Software Engineer - Credit will work closely with a highly iterative, cross-functional team to understand product requirements and legal constraints, architect solutions tailored to Client needs, partner with other teams within the Credit group including engineering, Design, Data Science, and more to iterate on and productionize new products, architect efficient, scalable services paired with well-designed UI, own and lead projects, participate in the oncall rotation, advocate for technical and process changes, and follow best practices to increase overall system reliability.

Skills

Architecture

Scalability

Cross-functional Teamwork

Product Requirements

Legal Constraints

Client Needs

Data Science

Plaid

Connects financial accounts to apps securely

About Plaid

Plaid simplifies financial data management for individuals and businesses by connecting various financial accounts to apps and services. Its main product is a set of APIs that allow developers to integrate financial data into their applications, enabling users to track spending, initiate payments, and access financial services all in one place. Plaid serves a wide range of clients, including app developers and financial institutions, and is used by popular apps like LendingTree and Square. Unlike many competitors, Plaid focuses on providing a comprehensive and scalable platform that supports various financial use cases, such as transactions and identity verification. The company's goal is to enhance the way users interact with their financial data, making it easier and more secure.

Key Metrics

San Francisco, CaliforniaHeadquarters

2013Year Founded

$714.3MTotal Funding

SERIES_DCompany Stage

Fintech, Financial ServicesIndustries

1,001-5,000Employees

Benefits

We've got you covered: From medical, life, and 401ks, we’re here to support your physical, mental, and financial wellbeing.

Everyone is an owner: We want everyone to feel ownership over their work - literally, which is why we offer equity to full-time Plaids.

Vacation your way: We want to make sure you have time to meet your personal needs with unlimited PTO and two weeks of synchronous, company-wide vacation.

Grow your skills: Every Plaid is in control of their career development with our learning stipends, tools, and trainings.

Risks

Increased competition from API-based banking solutions like FIS's Code Connect platform.

Potential legal challenges, such as PNC's lawsuit over trademark issues.

Demand for enhanced transparency and security in financial data sharing.

Differentiation

Plaid offers seamless financial data integration through robust APIs for diverse clients.

Plaid's Pay by Bank for Bill Pay provides a cost-effective recurring payment solution.

Plaid's strategic partnerships enhance its value proposition in payroll and payment sectors.

Upsides

Plaid's expansion into the Triangle area indicates growth and increased hiring potential.

Partnership with Dwolla enhances Plaid's presence in the secure payments sector.

Collaboration with Ansa expands market reach through pay-by-bank capabilities for merchants.

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