Software Engineer II, Backend

United States Digital Space LLC; Seattle (WA); Hybrid; USD 152,000 - 190,000; Full time

Benefits offered by this job

Up to four weeks of fully remote work per year

Job summary

United States Digital Space LLC seeks a Software Engineer to join the Credit Limit Engineering team in Seattle. In this position, you will develop systems that power credit decisioning and risk management while collaborating with cross-functional teams.

The ideal candidate has 2+ years of backend software engineering experience and a strong understanding of financial systems. The role offers a hybrid work environment, allowing for a mix of in-office and remote work, with a competitive salary range.

Qualifications

• 2+ years of full-time software engineering experience with a focus on backend development.
• 1+ year of experience in financial systems or fintech applications.
• Strong curiosity and ownership in solving technical problems.

Responsibilities

• Build and maintain critical financial infrastructure.
• Develop and optimize the underwriting engine for credit decisions.
• Implement customer-facing features for credit limit management.

Skills

Backend development

Financial systems

Proficiency in Kotlin and Java

Database management

Event streaming

Tools

PostgreSQL

Kafka

React

TypeScript

Micronaut

Job description

Why join us

the company is the intelligent finance platform that enables companies to spend smarter and move faster in more than 200 markets. By combining global corporate cards and banking with intuitive spend management, bill pay, and travel software, the company enables founders and finance teams to accelerate operations, gain real-time visibility, and control spend effortlessly. the company’s AI-native automation and world-class service eliminate manual expense and accounting tasks for customers so they can focus on what matters most. Tens of thousands of the world's best companies run on the company, including DoorDash, Coinbase, Robinhood, Zoom, Plaid, Reddit, and SeatGeek.

Working at the company allows you to push your limits, challenge the status quo, and collaborate with some of the brightest minds in the industry. We’re committed to building a diverse team and inclusive culture and believe your potential should only be limited by how big you can dream. We make this a reality by empowering you with the tools, resources, and support you need to grow your career.

Engineering at the company

Engineering at the company is about building systems that scale with speed and intention. Our teams span Software, Data, Security, and IT, and operate with high autonomy and deep collaboration. We tackle hard technical problems, own our outcomes, and push for excellence at every level - from architecture to deployment. It's an environment where engineering is a craft, and builders become leaders.

What you'll do

As a Software Engineer on the Credit Limit Engineering team, you will build the critical systems that power the company's credit decisioning and risk management. You'll work across the entire stack to create solutions that responsibly extend credit to businesses while managing billions of dollars in credit exposure.

Our team owns the complete credit experience, including the underwriting engine that evaluates applications and sets limits, financial connectivity systems that integrate with banks to pull real-time data, ML-powered credit models that assess risk, customer-facing tools for managing credit limits, and internal platforms that enable our teams to manage risk at scale.

You'll be working on high-impact, technically challenging problems: building real-time data pipelines that process millions of financial transactions, serving ML models with strict latency requirements, designing event-driven architectures for credit decisioning, and creating intuitive customer experiences for complex financial workflows.

Where you'll work

This role will be based in our Seattle office. We are a hybrid environment that combines the energy and connections of being in the office with the benefits and flexibility of working from home. We currently require a minimum of 3 days per week in the office - Monday, Wednesday and Thursday. As a perk, we also have up to four weeks per year of fully remote work.

Responsibilities

• Build and maintain critical financial infrastructure, including bank connection integrations (Plaid, Finicity, Teller), financial statement processing systems, and real-time transaction data pipelines.
• Develop and optimize the underwriting engine that powers credit decisions for thousands of businesses, ensuring sub-second latency and high reliability.
• Implement customer-facing features for credit limit management, bank connections, and financial data collection in our React/TypeScript dashboard.
• Collaborate with Credit Risk, Capital Markets, and Product teams to translate business requirements into scalable technical solutions.
• Design and build internal tooling for Operations and Portfolio Management teams to manage credit risk and handle edge cases.
• Own problems end-to-end, from user experience and API design to data models, scalability, and ongoing observability.
• Work with ML models in production, integrating credit risk models (PD models, affordability frameworks) into real-time decisioning flows.
• Participate in on‑call rotation and maintain high operational standards for mission‑critical systems.

Requirements

• 2+ years of full-time software engineering experience with a focus on backend development.
• 1+ year of experience in financial systems, payments, underwriting, or a fintech application or experience in building systems for other regulated industries (e.g. healthcare, legal)
• Strong curiosity for digging deep into the technical problems, and strong ownership capable of delivering high quality solutions
• Experience building and scaling production systems, preferably in data‑intensive or financial domains.
• Proficiency in backend technologies (e.g., Kotlin, Java, Typescript) and comfort with our stack (Kotlin and Micronaut).
• Experience architecting, developing, and testing full-stack applications end-to-end.
• Comfort working with databases (e.g., PostgreSQL), event streaming (e.g., Kafka), and distributed systems.
• A high bar for engineering standards: code quality, testing, observability, and operational excellence.
• Strong written and verbal English communication and interpersonal abilities.

Compensation

The expected salary range for this role is $152,000 - $190,000. However, the starting base pay will depend on a number of factors, including the candidate’s location, skills, experience, market demands, and internal pay parity. Depending on the position offered, equity and other forms of compensation may be provided as part of a total compensation package.