Software Engineer
Content + Source + Freshness • 12 Dec 2025 • 95% confidence
Offer value
High value due to competitive salary, strong company backing, and opportunity for technical influence in a rapidly growing fintech environment.
- Competitive salary: $175,000–$220,000/year
- Opportunity to shape financial product infrastructure
- Collaborative development environment with seasoned professionals
- Requires solid experience in software development
Pros
- Attractive salary range ($175k - $220k/year) for experienced software engineers in fintech
- Significant opportunities for impact on product development and system architecture
- Integration with major platforms, enhancing professional network and skills
Cons
- Minimum 5 years required experience might exclude some qualified candidates
- Fast-paced, potentially high-pressure work environment typical of growing startups
- Limited details on remote work flexibility
Who it's for
Mid to Senior • Hybrid (office-based in San Francisco)
Good fit
- Mid-level to senior software engineers
- Candidates with experience in fintech environments
- Developers passionate about helping small businesses
Not recommended for
- Entry-level or novice engineers
- Those seeking a slow-paced or less demanding role
- People preferring complete remote work
Motivation fit
Key skills
About the job
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. Lending Products
You will contribute to the development of our core lending platform and user flows across all Parafin lending products.
You will help identify, own, and implement improvements to our infrastructure to support product development and enhance system reliability.
You will collaborate with team members and stakeholders across the company to help design and build new products and experiments.
2. 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.
3. 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.
4. 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
5+ 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: $175k - $220k
Equity grant
Medical, dental & vision insurance
Unlimited PTO & work from home flexibility
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.
