Senior Data Engineer, Capital Markets

| Greater NYC Area | Hybrid
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The Petal mission


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


We're pioneering a new approach to credit, enabling Petal Card* applicants to leverage their banking history, in addition to their credit history, to establish their creditworthiness. Our proprietary Cash Scoring technology takes applicants’ income, spending, and savings into account and is helping traditionally underserved consumers across the United States access honest, simple and responsible credit, even if they’ve never had it before. 


We bring the same ingenuity to Petal 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.


*Petal Cards are issued by WebBank, Member FDIC



Petal is at its heart a data company. And as Petal grows, we are looking for a business-minded software engineer to join us and help to continue building out and iterating on our existing Capital Markets infrastructure, which includes forward flow, decision engine mechanics, and loan servicing.


As a software engineer supporting our Capital Markets efforts, you will tackle some of the most interesting and challenging problems that lie at the intersection of traditional finance and a high-growth startup. You will be closely integrated with the Capital Markets and Finance teams to design and build the infrastructure required to enable our Capital Markets strategy, and enable us to easily serve existing and bring on new investors and grow our funding capacity. The ideal candidate possesses strong technical skills, is an excellent written and verbal communicator, has prior financial experience, has a sharp eye for details, and is always excited to learn.

Key responsibilities:

  • Design and build an industry-leading Capital Markets platform that enables our Capital Markets strategy.
  • Work cross-functionally with teams like Capital Markets, Finance, and Product to understand business needs and translate them into scalable solutions.
  • Automate a robust set of reports that provide actionable data to key stakeholders and investors.
  • Dive deep into product considerations and reimagine our investor experience.
  • Enhance and refactor core aspects of the loan servicing platform to make it more extensible, robust, and performant.
  • Set and adhere to both strict internal SLOs and external SLAs as we scale our lending operations.

Characteristics of a successful candidate

  • Experience writing and working with SQL, data warehouses (we use Redshift and Postgres), as well as building out robust data pipelines and back-end systems.
  • You work with teams to solve problems and drive scalable solutions.
  • Excellent written and verbal communication skills, with the ability to collaborate with both technical and non-technical stakeholders
  • Value collaboration both within and outside of the team. You understand the value of collaboration within teams and the power of extending that collaboration across the company.
  • Strong self-management, drive, and organization. The ability to multi-task in a fast-paced environment is essential.
  • Flexibility. Petal is a startup and with that comes changing business needs, and changing priorities; you should be able to take on these changes in stride.
  • Positivity, kindness, and humility. Be an awesome team member within a company already filled with awesome people.
  • We're seeking someone with a bachelor's degree or above in a related field, or equivalent work experience.

Nice-to-haves

  • Experience in financial services, particularly with financing transactions such as ABS, warehouse financing, forward flow
  • Experience with data visualization.

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


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Technology we use

  • Engineering
  • Product
  • Sales & Marketing
  • People Operations
    • PythonLanguages
    • RLanguages
    • SqlLanguages
    • TypeScriptLanguages
    • PandasLibraries
    • ReactLibraries
    • CircleCIFrameworks
    • DockerFrameworks
    • FlaskFrameworks
    • gRPCFrameworks
    • KubernetesFrameworks
    • ElasticsearchDatabases
    • PostgreSQLDatabases
    • RedisDatabases
    • AWS (Amazon Web Services)Services
    • GitHubServices
    • Google AnalyticsAnalytics
    • LookerAnalytics
    • OptimizelyAnalytics
    • FigmaDesign
    • IllustratorDesign
    • MiroDesign
    • PhotoshopDesign
    • ConfluenceManagement
    • Google DriveManagement
    • Google DocsManagement
    • Google SlidesManagement
    • JIRAManagement
    • Monday.comManagement
    • EasyRetro Management
    • WebflowCMS
    • Iterable CRM
    • SendGridEmail
    • SlackCollaboration
    • ZoomCollaboration
    • Monday.comProject Management

Location

Petal's HQ office is located in the lovely SoHo neighborhood in lower Manhattan, New York City and is near the Spring St, Houston and Canal Street subway stops.

An Insider's view of Petal

What's something quirky about your company?

At Petal we celebrate our big wins with an unlikely pairing of Popeyes and Prosecco. The origin story remains a mystery — but if we accomplish something really big you can bet that delicious fried chicken and bubbles are on the horizon.

Liza

Talent, Senior Manager

What's the biggest problem your team is solving?

On the Payments team, we're working to increase the speed of payments processing for our members. This way we can deliver a real-time experience, reduce the likelihood of payment reversals, and allow faster access to a member's available credit.

Rohini

Senior Product Manager II

How has your career grown since starting at the company?

I started at Petal as a Credit Ops Analyst. Since then, I’ve had the chance to learn from industry experts, contribute to other sectors of the company, and further pursue my passions. I now have the privilege of leading the department where I got my start. Petal has allowed me to zero in on my purpose and continues to advocate for my development.

Allen

Risk Ops Manager

How do you make yourself accessible to the rest of the team?

Being accessible means that folks have multiple channels to engage with me & contribute ideas, give feedback, influence direction, & seek information. A few channels I use include office hours, monthly AMA's, Tech town halls, & ad-hoc check-ins. It means listening actively, assuming positive intent, asking constructive questions, & trusting others.

John

VP Engineering

How do you collaborate with other teams in the company?

As a PM, I work on delivering an engaging and frictionless app experience for users as they progress on their credit building journey. One of my favorite aspects of Petal’s culture is the egoless, team-first atmosphere that allows Petalians across functions ranging from Compliance to Design to make great things happen for our users together.

Harper

Senior Product Manager I

What are Petal Perks + Benefits

Petal Benefits Overview

Our people are our best perk. Petal is made up of some incredibly kind, inclusive, mission-driven, and passionate folks.

But, besides our team, we offer: In person and virtual team events such as magic shows and game nights, lunch and learns with both external entrepreneurs and internal team members, flexible PTO, medical/dental/vision benefits, 401(k) and a number of Employee Resource Groups you can get involved in. And we're open to hearing more about what would make you more productive and fulfilled!

Culture
Open door policy
OKR operational model
Team based strategic planning
Pair programming
Open office floor plan
Flexible work schedule
Remote work program
Diversity
Dedicated diversity and inclusion staff
Mandated unconscious bias training
Diversity manifesto
Mean gender pay gap below 10%
Diversity employee resource groups
Hiring practices that promote diversity
Health Insurance & Wellness Benefits
Flexible Spending Account (FSA)
Dental insurance
Vision insurance
Health insurance
Mental health benefits
Financial & Retirement
401(K)
Company equity
Performance bonus
Child Care & Parental Leave Benefits
Generous parental leave
Family medical leave
Return-to-work program post parental leave
Vacation & Time Off Benefits
Unlimited vacation policy
Generous PTO
Sabbatical
Paid holidays
Paid sick days
Office Perks
Commuter benefits
Company-sponsored outings
Free snacks and drinks
Some meals provided
Company-sponsored happy hours
Pet friendly
Home-office stipend for remote employees
Professional Development Benefits
Job training & conferences
Lunch and learns
Promote from within
Mentorship program
Continuing education available during work hours

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