Software Engineer II, Backend

EngineersOfAI; Seattle (WA); Hybrid; USD 100,000 - 130,000; Full time

Benefits offered by this job

Up to four weeks of fully remote work per year

Job summary

EngineersOfAI in Seattle is seeking a Software Engineer to join the Credit Limit Engineering team. You will develop critical systems for credit decisioning and manage risk while working on technically challenging problems. The role offers a hybrid work model requiring 3 days in the office.

The ideal candidate should have backend development experience and familiarity with financial systems or fintech applications. This position provides a flexible work environment with opportunities for remote work.

Qualifications

• 2+ years of full-time software engineering experience with a focus on backend development.
• 1+ year of experience in financial systems, payments, or fintech applications.

Responsibilities

• Build and maintain critical financial infrastructure and data pipelines.
• Develop and optimize the underwriting engine for credit decisions.
• Implement customer-facing features for credit limit management.
• Collaborate with multiple teams to deliver scalable solutions.
• Design internal tools for managing credit risk.
• Integrate ML models into real-time decisioning flows.
• Participate in on-call rotation for mission-critical systems.

Skills

Backend development

Financial system experience

React

TypeScript

Job description

What you'll do

As a Software Engineer on the Credit Limit Engineering team, you will build the critical systems that power Brex'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 will 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 reg.