Software Engineer, Credit

Vigil; New York (NY); On-site; USD 110,000 - 170,000; Full time

Benefits offered by this job

Flexible PTO

OneMedical Membership

Health And Wellness Stipend

401(k) Matching

Relocation Assistance

Pet Insurance

Weekly Coffee Stipend

In-Office Perks

Job summary

Vigil is seeking a backend engineer for the Credit Engineering team to own systems that handle sizable payment volumes and automate complex tasks. You will partner with analysts and product teams to translate risk strategies into reliable software, ensuring correctness, observability, and robust data models across the platform.

Candidates should have at least 2 years of backend experience and be proficient in Python or an equivalent language, with distributed systems experience and a strong

Qualifications

• 2+ years of backend engineering experience required.
• Proficiency in Python or a comparable language.
• Experience with distributed systems is essential.
• Strong ownership mentality and accountability.

Responsibilities

• Own systems that influence significant annual payment volume.
• Partner with analysts and product teams to translate risk strategies into reliable software.

Skills

Backend Engineering

Python

Distributed Systems

Async Frameworks

Data Models

Technical Specs

Auditability

Observability

Correctness

Ownership

Risk Strategy

Operational Efficiency

AI

Financial Optimization

Defensive Programming

Feature Stores

Job description

As a backend engineer on the Credit Engineering team, you will own systems that influence significant annual payment volume and automate complex operational tasks. You will also partner with analysts and product teams to translate risk strategies into reliable software.

Requirements

Candidates should have at least 2 years of backend engineering experience and proficiency in Python or a comparable language. Experience with distributed systems and a strong ownership mentality are also essential.

Key Skills

• Backend Engineering
• Python
• Distributed Systems
• Async Frameworks
• Data Models
• Technical Specs
• Auditability
• Observability
• Correctness
• Ownership
• Risk Strategy
• Operational Efficiency
• AI
• Financial Optimization
• Defensive Programming
• Feature Stores

Benefits

• Flexible PTO
• Unlimited AI Token Usage
• Centralized Home-Office Equipment Ordering
• Health And Wellness Stipend
• Budget For Intra-Office Travel
• Weekly Coffee Stipend
• 100% Medical, Dental & Vision Insurance Coverage
• One Medical Annual Membership
• 401(k) Including Employer Match
• Fertility HRA
• Parental Leave
• Pet Insurance
• In-Office Perks
• Relocation Support