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 Senior Full Stack Role

This particular role is an opportunity to join a team who cares deeply about product experience and code quality. Our app must function reliably and delightfully at all times in order for Petal to deliver on its promise of simple, accessible credit. We aim to outshine other financial apps with a central view into a customer's money and the credit industry's most transparent, customer-centric payment experience.

In this role, about 50% of your time will be spent in our frontend—a tri-platform React Native app written in TypeScript—and 50% on our Flask/Python applications. This role reports to our Director of Engineering.

Key responsibilities:

• Write high-quality, well-tested, functional, observable code that runs smoothly in production.
• Up-level our React Native app, delivering reliable, delightful features that our customers need.
• Elevate the coding standards and hygiene across the team.
• Lead complex projects, influence product design and make business vs technology trade-offs during all phases of the project lifecycle, consistently delivering on time.
• Work 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)
• Teach across the broader engineering organization to improve best practices and influence system design

Characteristics of a successful candidate:

• Track record of shipping high-quality, complex React apps to end-users. A deep understanding of React/React Native/Redux libraries and ecosystem (sagas, selectors, reducers) is essential for this role. We use Expo to build our apps, which are written in Typescript, so a familiarity with that toolchain is very helpful. You yearn for cleaner code using functional components and React hooks.
• 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.
• Product-oriented. 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. 
• Adaptable. As stated above, this role is mostly frontend-focused; that said, successful engineers here roll up their sleeves to dive into their dependencies when planning projects, debugging issues, and implementing features end-to-end. So, becoming productive in our API layer (RESTful Flask apps with Postgres databases) is important.
• 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.
• We're seeking someone with a bachelor's degree or above in a related field, or equivalent work experience.

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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