Backend Software Engineer (Remote optional)
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.
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