Software Engineer - Credit

We believe the next evolution of Credit products at Plaid is to drive deeper into insights and make our products easier to use. By investing in insights, we can help our customers better evaluate raw data to provide a more complete and equitable view of an end user’s financial health. The Assets Team is responsible for building on top of the Credit organization’s technical foundations to (1) ship insights driven products which address needs in the lending lifecycle and (2) reduce the time it takes for customers to get value from Plaid suite of Credit products. This team works closely with product and legal to think through product requirements and compliance constraints, translating those inputs into insights driven products.

Our north star is to have the Plaid Credit suite become the default analytics suite for risk assessment in the credit ecosystem. To achieve this, there are a number of opportunities on our mid-term horizon to expand the ways clients leverage Plaid Credit products. These projects include execution on the next evolution of an insights driven asset report product, architecting monitoring solutions to capture more of the lender lifecycle, and building out partnerships to better distribute Plaid credit products. This team also plans to capture this value in a credit dashboard to make our Credit suite of products easier to integrate with and use - delivering more value, faster.

You will be responsible for working full-stack to plan, design, and build the next generation of Credit products. You’ll work closely with cross-functional partners from Product, Compliance, and Design to deliver new solutions for our Clients. You’ll have opportunities to learn new technologies and languages, and to grow as a project owner as we explore ambiguous problem spaces.

Responsibilities

You will work closely with a highly iterative, cross-functional team to understand product requirements and legal constraints to build next-generation Credit products.

You will deeply understand client needs and architect solutions tailored to their use cases.

You will partner with other teams within the Credit group, working closely with other engineering teams as well as Design, Data Science, and more to iterate on and productionize new products.

You will have the opportunity to architect efficient, scalable services paired with well-designed UI as we work closely with our clients.

Qualifications

Excellent coding and testing skills

Experience working in large scale backend systems

Experience as a project lead, or desire to quickly take on that responsibility

(Very-nice-to-have) strong communication skills

(Nice-to-have) Experience with Python, Golang, SQL, and/or AWS