Backend Software Engineer - Python / AI (New York)

Location: NYC (Hybrid, 3+ days per week in-office)

Compensation: $160K - $190K USD + Equity + Benefits + Open to relocation

Stack: Python, React, PostgreSQL, and AWS

TLDR

• Our client is a profitable, high-growth fintech company operating at the intersection of AI/ML, payments infrastructure, compliance, and consumer products, generating tens of millions in revenue and partnering with major financial institutions.
• Engineers own outcomes end-to-end from influencing product direction and architecture to driving business impact while gaining exposure to payments, financial infrastructure, risk, compliance, and enterprise-scale systems. It's an ideal opportunity for high-performing engineers who value ownership, AI, fintech, and mission-driven work, combining the stability of proven business traction with the impact and upside.
• AI-Driven Results: Their AI-powered platform delivers higher recovery rates than traditional collections methods while maintaining compliance across federal, state, and local regulations.
• Rapid Growth: Since 2021, the company has tripled revenue and more than doubled headcount, demonstrating strong product-market fit in the $100B+ debt collections market.
• Industry Trust: Hundreds of banks and financial institutions rely on our client's platform, and has helped hundreds of thousands of consumers resolve debt.

Requirements

• Proficiency in at least one backend language (Python, Java, Go, or similar), with a track record of delivering clean, reliable, and maintainable code.
• 3–5 years of hands-on experience developing and supporting backend software systems.
• Strong grasp of APIs, databases, and core web application technologies.
• Experience contributing to code reviews and helping uphold high engineering standards through constructive technical feedback.
• Computer Science Degree or equivalent experience.

Bonus Skills

• Experience leveraging AI tools to improve engineering productivity.
• Strong track record of partnering with product and cross-functional teams to drive business outcomes.
• Experience making thoughtful technical trade-offs between speed, scalability, and maintainability.
• Ability to solve complex problems independently and operate with a high degree of ownership.
• Willingness to step beyond assigned responsibilities to remove blockers and drive progress.
• Experience translating ambiguous requirements into clear, actionable solutions.
• Self-starter who proactively identifies problems and opportunities.
• Strong communication skills across technical and non-technical audiences.
• Comfortable working through both documentation and real-time collaboration.
• Demonstrated accountability, follow-through, and transparency.
• Growth mindset and enthusiasm for emerging technologies.

Responsibilities

• Own features delivery end-to-end, from scope/design through deployment, across the stack.
• Make thoughtful technical decisions that balance delivery speed, scalability, and maintainability.
• Proactively identify and resolve technical challenges.
• Solve Business Problems Through Technology
• Translate product requirements into practical, scalable solutions.
• Evaluate and communicate technical trade-offs, risks, and dependencies.
• Contribute to architecture and technical decision-making.
• Thrive in environments with evolving requirements and ambiguity.
• Collaborate proactively across teams to keep projects moving forward.
• Step beyond your immediate scope when needed to unblock progress.
• Write clean, maintainable, and well-tested code.
• Provide constructive code reviews that improve quality and system design.
• Contribute to documentation and knowledge sharing.
• Leverage AI tools to improve productivity and code quality.
• Identify opportunities to apply AI across products and internal workflows.
• Share best practices and learnings with the team. 

About

• Our client is hiring Software Engineers to help build and scale a modern technology platform serving the consumer financial services industry. Their products use data and automation to help organizations operate more efficiently while providing consumers with clear, user-friendly solutions to manage financial obligations. They are not just expanding access to credit - they are restoring dignity and giving millions of people the chance to achieve financial freedom.
• Senior Engineers are backend-leaning but comfortable across the noted stack. They own product outcomes, influence technical direction, mentor teammates, and build systems operating at significant scale that directly improve the financial lives of millions.
• Multiple roles open: Current hiring needs span multiple product and platform teams.