Experienced Software Engineer - Credit at Plaid

New York, New York, United States

Apply Now

Not SpecifiedCompensation

Senior (5 to 8 years)Experience Level

Full TimeJob Type

UnknownVisa

Fintech, Credit, Financial ServicesIndustries

Requirements

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

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

Skills

Key technologies and capabilities for this role

MySQLRelational DatabasesSystem DesignBackend DevelopmentSoftware Testing

Questions & Answers

Common questions about this position

What is the salary range for this position?

The target base salary ranges from $180,000 to $270,000 per year in Zone 1 (New York City and San Francisco Bay Area), with variations based on location across other zones. Additional compensation may include equity and/or commission.

Is this role remote or does it require working from an office?

The role is location-based with salary varying by geographic zones across US cities, suggesting hybrid or office-based work in major hubs like San Francisco, New York, and others, but full remote policy is not specified.

What skills are required for this Software Engineer role?

Candidates need 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, and demonstrated leadership skills.

What is the team culture like at Plaid's Credit Insights team?

The team emphasizes building a strong, inclusive culture, with responsibilities including mentoring engineers and collaborating closely with Product, Data Science, and Machine Learning partners.

What makes a strong candidate for this position?

Strong candidates have 5-7 years of software development experience, backend systems expertise, collaboration with data science/ML teams, leadership skills for mentoring juniors, and nice-to-have experience in credit or lending.

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.

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.

Land your dream remote job 3x faster with AI

Try Jobo Free