About Job:

Our Company we’re using fresh thinking and cutting-edge technology to make credit honest, simple and accessible. We use machine learning to analyze more data in our credit decisions, which means more people qualify, even if they’ve never had credit before. And we use behavioral science and smart, intuitive design to offer a simple, customer-centric product that’s engineered to achieve better financial outcomes -- with straightforward terms and no fees whatsoever. 

 

To do this, we’re bringing together exceptional talent from across disciplines and industries to shape the future of financial services and improve the lives of our customers in a meaningful way.

Key responsibilities:

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  • Help us expand access to fair and honest credit to the underbanked by delivering and supporting scalable production-grade decisioning services, including productionizing machine learning models and backtesting new experiments
  
  
  • Lead technical design and system architecture for services that determine who we lend to
  
  
  • Mentor junior engineers and uphold our high engineering standards for maintainable, well tested, and performant software
  
  
  • Work across the broader engineering organization to improve best practices and influence system design
  
  
  • Plan complex projects, influence product design and make business vs technology trade-offs during all phases of the project lifecycle
  
  
  • Collaborate with various Our Company teams (e.g., product, analytics, risk, compliance) and third-party technology vendors (e.g., credit bureaus, data aggregators)
  
  
  • Develop and use a nuanced understanding of our risk philosophy and policy to implement complex decisioning logic safely
  
  
  
  

Characteristics of a successful candidate & Skills:

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  • 5+ years of experience - or equivalent proficiency - in designing, developing, testing, shipping, and scaling service-oriented/distributed applications or systems.
  
  
  • Strong self-management, sense of ownership, and organization. Our Company open and collaborative environment enables proactive and organized employees to really shine.
  
  
  • Collaborative, empathetic, listens with intent. Communication of complex, ever-changing business and technology concepts is hard. Creating a shared understanding and path forward via an open discussion is commonplace at Our Company. 
  
  
  • Passionate about systems design and robust software. Our underwriting decisioning systems change often as we work and experiment to bring credit to as many people as we can. We are passionate about software architecture and fault tolerant production systems. 
  
  
  • Detail-oriented; a strong focus on testing frameworks. Our Company underwriting systems are complex and mission-critical. We rely on strong testing frameworks and a focus on the details of requirements to deliver features correctly. 
  
  
  • Weighs trade-offs and focuses on value delivery. A fast-paced startup demands making trade-offs that balance the near term and long term value add of solutions. At Our Company, we design robust systems, but try not to let the perfect be the enemy of the good.
  
  
  • Displays positivity, kindness, and humility. Our open and collaborative culture is what makes Our Company a great place to work. We need more diverse people who embody our core values to make it even greater.
  
  
  
  

Nice-to-haves:

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  • Preferred but not required: Demonstrated expertise in Python
  
  
  • Preferred but not required: Experience with machine learning models (and running them in production)
  
  
  • Preferred but not required: Financial sector experience, notably within credit and fraud risk decisioning
  
  
  • Preferred but not required: Experience working in highly regulated industries