Job Description

Company 

Credit Genie is a financial wellness platform that provides timely access to efficient and fair credit, taking a non-traditional approach to financial relief with artificial intelligence driven solutions that enable borrowers to work better with their lenders to find fair solutions. They offer innovative no-interest cash advances between paydays, credit-builder products, and personalized financial insights to help consumers break free from the cycle of debt.

The company was founded in 2019 by Ed Harycki , former Swift Capital Founder ( acquired by PayPal 2018) and members of their staff have come from PayPal, Apple, Amazon, Tesla, Square, Cash App, DoorDash, and many other world class companies across finance and tech industries. With 3.2M downloads, 610K active customers, and 74K reviews averaging 4.7 stars, Credit Genie is on a mission to help customers succeed by bringing fairness and humanity to helping them better manage their finances.

Overview

As a software engineer, you’ll play a pivotal role in shaping our platform, designing and building the core systems that power our financial products. You’ll have the opportunity to architect scalable infrastructure, drive technical direction, and work on products from the ground up. This is a rare chance to join a fast-growing fintech startup where your work will have a direct and meaningful impact on both the company and the financial well-being of our users.

What You'll Do

• Design, Build, and Scale – Own backend systems end-to-end, from architecture to deployment, ensuring high performance, security, and scalability for next-generation financial products.

• Greenfield Development – Work on new projects from scratch, making foundational technical decisions that will shape our platform for years to come.

• Cross-Functional Collaboration – Partner with product, design, data science, and adjacent engineering teams to build impactful features and solve complex business challenges.

• Technical Leadership – Lead critical technical, design, and product discussions, driving best practices in system design, coding, testing, and DevOps.

• Customer-Focused Innovation – Scope, build, and optimize products and services that deliver immediate and meaningful value to users.

Requirements

• 1-2 years of experience designing, building, and scaling high-performance backend systems in a fast-paced, high-growth environment. 

• Expertise in architecting and productionizing large-scale distributed systems.

• Comfortable working across multiple technical areas and collaborating with frontend/mobile teams.

• Passion for tackling complex challenges with structured thinking and analytical rigor. Ability to break down intricate systems, identify flaws, and implement scalable, secure, and maintainable solutions.

• Thrives in a fast-moving, iterative environment with a bias for action. Excited to take full ownership of projects, drive impact, and work cross-functionally with product, design, and engineering teams.

• Strong understanding of data privacy, compliance, and secure coding practices. Experience with designing resilient and reliable systems that meet high security and regulatory standards.

Nice to Have

• Experience working with products related to lending, credit cards, payments, or other financial services.

• Familiarity with mobile app ecosystems and financial technology.

Benefits & Perks

• Starting on day one, 100% coverage of Medical, Dental, and Vision for you and your dependents, with zero out-of-pocket costs

• 401k with a 2.5% match with immediate vesting 

• Equity in the form of stock options

• Free breakfast, lunch, and dinner for onsite employees

• Flexible working arrangements

• Flexible PTO and Sick leave

• Monthly Fitness Reimbursement

• Quarterly Fitness Challenge & Prizes

• Monthly in-office chair massages 

Credit Genie is a proud Equal Opportunity Employer where we welcome and celebrate differences. We are committed to providing a workspace that is safe and inclusive, where everyone feels supported, connected, and inspired to do their best work. If you require any accommodations to participate in our recruitment process, please inform us of your needs when we contact you to schedule an interview.

Compensation

$110K – $130K • Offers Equity • Offers Bonus

Your actual level and base salary will be determined on a case-by-case basis and may vary based on the following considerations: job-related knowledge and skills, education, and experience.

Base salary is just one part of your total compensation and rewards package at Credit Genie. You may also be eligible to participate in the bonus and equity programs. You will also have access to comprehensive medical, vision, and dental coverage, a 401(k) retirement plan with company match, short & long term disability insurance, life insurance, and flexible PTO along with many other benefits and perks.

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