Founding Product Engineer

 

Title of Role: Founding Product Engineer (Full-Stack)
Location: San Francisco, CA (Mission District)
Company Stage of Funding: Seed Stage (Venture-Backed, ~$4.5M raised)
Office Type: Hybrid (3 days/week onsite)
Salary: $190,000 – $210,000 + 0.75% – 1.25% Equity

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Company Description

Our client is an early-stage fintech startup reimagining how people share and manage money together. They are building a next-generation, multi-user financial account that enables collaborative ownership, transparent spending, and flexible financial controls—unlocking entirely new use cases for shared finances.

With strong early traction (40,000+ user waitlist), established banking partnerships, and regulatory infrastructure already in place, the company is uniquely positioned to scale quickly in a highly defensible market. The team is small, highly experienced, and deeply product-focused, with backgrounds from leading fintech and consumer companies.

This is a rare opportunity to join as one of the first engineers and play a foundational role in shaping both the product and the company.

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What You Will Do

• Build and ship end-to-end product features across frontend, backend, APIs, and infrastructure

• Own major product areas (e.g., payments, cards, risk systems) from concept to production

• Design and implement scalable APIs and services using Go, TypeScript, and PostgreSQL

• Develop intuitive, high-quality user experiences using React and modern frontend tooling

• Work closely with the founder, engineers, and designer to rapidly iterate on product ideas

• Help scale systems and infrastructure to support rapid user growth and high transaction volume

• Contribute to internal tools, risk systems, and KYC/fraud workflows critical to fintech operations

• Leverage AI-assisted development tools to accelerate prototyping and shipping

• Play a key role in defining engineering standards, product direction, and team culture

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Ideal Candidate Background

• 3–10 years of full-stack software engineering experience

• Strong experience building and shipping consumer-facing products

• Proficiency in TypeScript (React) and backend development (Go preferred)

• Experience designing APIs and working with databases such as PostgreSQL

• Background in startup environments, ideally early-stage or high-growth companies

• Ability to own large product areas end-to-end with minimal guidance

• Strong product sense and attention to user experience and detail

• Comfortable working in fast-paced, ambiguous environments with high ownership

• Based in the Bay Area (or planning to relocate) and willing to work hybrid

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Preferred

• Experience in fintech or consumer financial products (e.g., payments, banking, crypto)

• Background at high-growth startups and/or top-tier tech companies

• Experience with Redis, AWS, Docker, Terraform, or modern cloud infrastructure

• Familiarity with KYC, fraud detection, or financial compliance systems

• Experience using AI tools for coding, prototyping, or development workflows

• Strong academic background in Computer Science or related field

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Compensation and Benefits

• Competitive base salary: $190,000 – $210,000

• Meaningful equity: 0.75% – 1.25% (early-stage ownership)

• Opportunity to be a founding engineer with significant product and technical ownership

• Hybrid work environment in San Francisco (Mission District)

• Direct collaboration with experienced founders and early team members

• Work on a live consumer product with immediate real-world impact

• Fast-paced, high-growth environment with strong upside potential

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This role is ideal for engineers who want to build consumer fintech products from the ground up, take full ownership of product areas, and see their work directly impact users in real time.