Backend Software Engineer (Remote optional)

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The Petal mission


Petal’s mission is to expand access to opportunity, by making responsible, modern financial services available to everyone. Founded in 2016, Petal provides technology-enabled credit cards to consumers who are historically underserved by mainstream providers. 


Petal pioneered automated cash flow underwriting, a transformative new approach to assessing consumer creditworthiness with the potential to expand access to tens of millions of U.S. consumers without credit history, or for whom traditional credit scores do not tell the whole story. Petal pairs this groundbreaking, data-driven underwriting technology with a mobile-first, digitally native product experience designed to help users manage and build credit responsibly. For Petal, it’s a mission as much as it is a business—with a goal to reimagine finance for the next generation of consumers. 


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.


The Software Engineering role


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.

We are an equal opportunity employer, and we are committed to building a team culture that celebrates diversity and inclusion. We’re proud to be different, together.


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
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    • FigmaDesign
    • IllustratorDesign
    • MiroDesign
    • PhotoshopDesign
    • ConfluenceManagement
    • Google DriveManagement
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    • 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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