Senior/Staff Software Engineer, Product

Location: San Francisco, CA (Onsite – 5 Days/Week)
Company Stage of Funding: Series C Fintech + AI + Crypto Infrastructure
Office Type: In-Person (Downtown SF)
Salary: $200,000 – $350,000 Base
Equity: Competitive Equity Package
Bonus: Competitive Total Compensation
Visa: Sponsorship Available

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Company Description

Our client is building the future of business banking by combining modern financial infrastructure, AI-native workflows, and global payment rails.

The company powers more than $10B annually in transaction volume and has scaled to $300M+ ARR while maintaining an engineering team of only ~12 engineers.

Founded in 2021, the company recently raised a $100M Series C led by leading investors including Ribbit Capital, Khosla Ventures, NEA, Goodwater Capital, and Y Combinator.

The platform serves thousands of businesses and provides:

• Business Banking Infrastructure
• Payments & Transfers
• Invoicing Systems
• Bill Pay & Expense Management
• Virtual Cards
• Accounting Integrations
• AI-Powered Financial Assistants
• Stablecoin & Global Banking Infrastructure
• Treasury & Cash Management
• Financial Operations Automation

Engineering challenges include:

• Building fault-tolerant financial systems
• Designing scalable payments infrastructure
• High-volume transaction processing
• Financial compliance systems
• Full-stack product development
• Distributed systems
• AI-powered financial workflows
• Global crypto payment rails
• Enterprise-grade reliability
• Customer-facing fintech products

The company sits in a rare position where engineers maintain startup ownership while operating at significant scale.

The culture values:

• Exceptional builders
• Founder mentality
• Ownership
• Speed
• Product craftsmanship
• Technical excellence
• Learning velocity
• High accountability
• End-to-end execution

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What You Will Do

• Build and ship entire product surfaces end-to-end
• Design database schemas and backend architectures
• Build customer-facing financial products
• Design APIs and backend services
• Develop payment, transfer, invoicing, and card systems
• Build full-stack applications across frontend and backend systems
• Work directly with product, design, and compliance teams
• Own features from concept through deployment
• Design and scale core financial infrastructure
• Build highly reliable fintech systems
• Contribute to architecture and engineering standards
• Create observability, monitoring, and operational tooling
• Participate in system design and technical reviews
• Drive technical decisions across product initiatives
• Build AI-powered financial workflows
• Develop global banking and payments capabilities
• Mentor engineers and elevate engineering quality
• Operate with founder-level ownership
• Build products directly impacting company revenue

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Ideal Candidate Background

• 2–15 years of software engineering experience
• Exceptional individual contributor
• Strong full-stack engineering background
• Experience shipping products end-to-end
• Experience building customer-facing applications
• Startup experience preferred
• Strong product ownership mentality
• Experience designing APIs and backend systems
• Experience building scalable software products
• Strong frontend and backend engineering skills
• Experience with PostgreSQL
• Experience with React and modern web applications
• Experience working closely with customers or product teams
• Strong communication skills
• Ability to operate in highly ambiguous environments
• Strong technical judgment
• Ability to move quickly while maintaining quality
• CS or STEM degree from a top university preferred

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Strong Signals

Founder / Builder Signals

• Founder experience
• Startup founder with meaningful users/revenue
• Founding engineer experience
• Built side businesses or products
• Demonstrated entrepreneurial history
• Started coding at an early age
• Revenue-generating projects

Engineering Signals

• End-to-end product ownership
• Strong product engineering mindset
• Experience owning entire product surfaces
• Full-stack expertise
• High technical bar
• Rapid promotions
• Technical leadership without moving into management

Startup Signals

• Early employee at successful startup
• Series A–C startup experience
• High-growth startup experience
• Experience operating on small teams
• Ownership of major business outcomes
• Demonstrated hustle and resourcefulness

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Compensation & Benefits

• Base Salary: $200,000 – $350,000
• Competitive Equity Package
• Visa Sponsorship Available
• Opportunity to join a $1.4B company
• Significant ownership and autonomy
• Direct collaboration with founders
• High-impact engineering culture
• Annual company offsites
• Strong product-market fit
• Rapid company growth
• Opportunity to shape the future of financial infrastructure
• Small engineering team with outsized impact

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Why Join

This is a rare opportunity to join a company that has already achieved substantial scale while maintaining the ownership and speed of an early-stage startup.

Most engineers spend their careers optimizing a small part of a product. Here, engineers own entire business-critical systems from database schema to customer experience.

You'll work on:

• Financial infrastructure
• Payments
• Banking products
• AI-native workflows
• Stablecoin infrastructure
• Global financial systems

while collaborating with some of the highest-performing engineers in the startup ecosystem.

If you enjoy building products from scratch, owning systems end-to-end, and operating with founder-level responsibility, this role offers exceptional scope and career upside.