Software Engineer
$160k - $220k USD
About Us:
At Parafin, we’re on a mission to grow small businesses.
Small businesses are the backbone of our economy, but traditional banks often don’t have their backs. We build tech that makes it simple for small businesses to access the financial tools they need through the platforms they already sell on.
We partner with companies like DoorDash, Amazon, Worldpay, and Mindbody to offer fast and flexible funding, spend management, and savings tools to their small business users via a simple integration. Parafin takes on all the complexity of capital markets, underwriting, servicing, compliance, and customer service for our partners.
We’re a tight-knit team of innovators hailing from Stripe, Square, Plaid, Coinbase, Robinhood, CERN, and more — all united by a passion for building tools that help small businesses succeed. Parafin is backed by prominent venture capitalists including GIC, Notable Capital, Redpoint Ventures, Ribbit Capital, and Thrive Capital. Parafin is a Series C company, and we have raised more than $194M in equity and $340M in debt facilities.
Join us in creating a future where every small business has the financial tools they need.
About the Position:
As a Software Engineer at Parafin, you will play a pivotal role in building, scaling, and maintaining our financial infrastructure. This position offers the opportunity to work across various engineering teams to design and develop robust, secure, and high-performing systems that power our embedded financial products. You will tackle critical technical challenges, mentor fellow engineers, and influence the strategic direction of our technology stack.
We are hiring across multiple teams, and candidates will be considered for the team that best aligns with their experience and interests.
Teams Hiring:
1. Merchant Platform
Design and build scalable systems that support our merchant-facing products and services.
Develop features that enhance the merchant experience and drive engagement.
Collaborate with cross-functional teams to deliver seamless product integrations.
2. Partner Platform
Build and optimize APIs that enable seamless embedding of Parafin’s financial products into partner platforms.
Work closely with external partners to enhance integration capabilities and improve adoption.
Develop internal tooling to improve operational efficiency and customer experience.
3. Banking
Build the modern banking experience for small and medium businesses from the ground up. These included products such as bank accounts, savings accounts, and credit cards, all wrapped into a smooth UI experience with real-time capabilities.
Work closely with external partners to enhance integration capabilities and improve adoption while customizing program experience through rewards and AI features.
Develop features end-to-end, internal tooling to improve operational efficiency and customer analytics that directly impact the bottom line.
4. Lending Products
Design, build, and evolve end-to-end lending product experiences across flex loans, term loans, MCA, BNPL, and new zero-to-one products
Own and drive complex technical projects from early design through launch and iteration
Collaborate cross-functionally with Product, Data Science, Risk, Operations, and partner-facing teams to deliver high-impact features
Build scalable, reliable backend systems that support underwriting, applications, servicing, and repayment workflows
Identify opportunities to improve system abstractions, developer velocity, and product quality as the lending surface area grows
Mentor and support other engineers, contributing to a strong culture of technical ownership and execution
5. Merchant Decisioning
You will work with our Python-based underwriting and application decisioning product and drive its development.
You will closely define the architecture and underlying infrastructure all the way from the technologies we use to design principles that we apply.
You will work closely with our data scientists to build a platform that is reliable, scalable and easily iterable.
You will be integrating ML Infrastructure to the platform to make DS-driven decisioning more powerful and intelligent.
What You’ll Do
Design, build, and maintain scalable and reliable backend systems.
Own and drive technical projects from ideation to deployment.
Collaborate with cross-functional teams, including Product, Data Science, and Operations.
Improve system performance, security, and reliability through continuous optimization.
Mentor and guide other engineers, fostering a culture of technical excellence.
What We Look For
2+ years of software engineering experience, preferably in fintech or financial services.
Strong proficiency in backend development, ideally with Python, Go, or similar languages.
Experience with cloud infrastructure (AWS, GCP) and scalable system design.
Deep understanding of distributed systems, databases, and API development.
Passion for building impactful financial products that empower small businesses.
Bachelors Degree in Computer Science (or related field of study)
What We Offer:
Salary Range: $160k-$220k
Equity grant
Medical, dental & vision insurance
Work from home flexibility
Unlimited PTO
Commuter benefits
Free lunches
Paid parental leave
401(k)
Employee assistance program
If you require reasonable accommodation in completing this application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please contact us.