Senior Software Engineer, Trust Platform
Credit Genie · New York, NY
- On site
- Full-time
- $150,000 / year
- New York, NY
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Subject: Interested in the Senior Software Engineer, Trust Platform role at Credit Genie
Hi Riley — I came across the Senior Software Engineer, Trust Platform opening and wanted to reach out directly. I've spent the last few years doing exactly this kind of work, and Credit Genie stood out because…
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Job highlights
- Lead backend systems for fraud and data.
- Design and build new financial product features.
- Collaborate across product and engineering teams.
- Drive technical best practices and leadership.
- Protect users with secure, personalized services.
About the role
About Credit Genie
Credit Genie is a mobile-first financial wellness platform designed to help individuals take control of their financial future. We leverage artificial intelligence to provide personalized insights and are building a financial ecosystem by offering tools and services that provide instant access to cash, and building credit. Our goal is to empower every customer to achieve long-term financial stability.
Founded in 2019 by Ed Harycki, former Swift Capital Founder (acquired by PayPal in 2017). Backed by Khosla Ventures and led by industry pioneers from companies such as; PayPal, Square, and Cash App, we are well positioned to build the future of inclusive finance through cutting-edge technology and customer-centric solutions.
Overview
As a Senior Backend Engineer on the Trust Platform team, you'll play a pivotal role in shaping the systems that safeguard and personalize our financial products. You'll design and build the core services that power fraud detection, authentication, decisioning, and customer data. This is a rare chance to join a fast-growing fintech startup where your work will have a direct and meaningful impact on both the company and the financial well-being of our users.
What You'll Do
- Design, Build, and Scale – Own backend systems end-to-end, from architecture to deployment, building high-performance, secure, and reusable services that product teams rely on to manage risk and deliver consistent customer experiences.
- Greenfield Development – Work on new capabilities from scratch - whether that's a next-generation fraud signal pipeline, a unified notifications service, or an intelligent decisioning layer - making foundational technical decisions that will shape our platform for years to come.
- Cross-Functional Collaboration – Partner with product, design, data science, and adjacent engineering teams to build trust and safety features that balance rigorous risk management with a seamless user experience.
- Technical Leadership – Lead critical technical and design discussions across fraud detection, authentication, and customer data domains, driving best practices in system design, coding, testing, and DevOps.
- Customer-Focused Innovation – Scope, build, and optimize intelligent services that protect users from fraud while ensuring every interaction feels secure, personalized, and trustworthy.
Requirements
- 5+ years of experience designing, building, and scaling high-performance backend systems in a fast-paced, high-growth environment.
- Expertise in architecting and productionizing large-scale distributed systems.
- Comfortable working across multiple technical areas and collaborating with frontend/mobile teams.
- Passion for tackling complex challenges with structured thinking and analytical rigor. Ability to break down intricate systems, identify flaws, and implement scalable, secure, and maintainable solutions.
- Thrives in a fast-moving, iterative environment with a bias for action. Excited to take full ownership of projects, drive impact, and work cross-functionally with product, design, and engineering teams.
- Strong understanding of data privacy, compliance, and secure coding practices. Experience with designing resilient and reliable systems that meet high security and regulatory standards.
Nice to Have
- Experience working with products related to lending, credit cards, payments, or other financial services.
- Familiarity with mobile app ecosystems and financial technology.
Key skills/competency
- Senior Software Engineer
- Backend Systems
- Distributed Systems
- Fraud Detection
- Authentication
- Customer Data
- Technical Leadership
- System Design
- Secure Coding
- Fintech
Skills & topics
- Senior Software Engineer
- Backend Engineer
- Trust Platform
- Fintech
- Distributed Systems
- Fraud Detection
- Authentication
- Data Privacy
- System Design
- Credit Genie
How to get hired
- Tailor your resume: Highlight backend systems, distributed systems, and security experience.
- Showcase impact: Quantify achievements in scaling, performance, and security initiatives.
- Demonstrate leadership: Provide examples of technical leadership and cross-functional collaboration.
- Research Credit Genie: Understand their mission in fintech and inclusive finance.
- Prepare for technical interviews: Brush up on system design, distributed systems, and secure coding practices.
Technical preparation
Behavioral questions
Frequently asked questions
- What is the work arrangement for a Senior Software Engineer at Credit Genie?
- Credit Genie expects employees to be in the office five days a week to foster collaboration and productivity. However, they understand that life happens and are committed to supporting employees with flexibility when circumstances require remote work or adjusted schedules.
- What are the key responsibilities of a Senior Software Engineer on the Trust Platform team?
- As a Senior Software Engineer on the Trust Platform team, you will design, build, and scale backend systems for fraud detection, authentication, decisioning, and customer data. You will also lead technical discussions, drive best practices, and develop customer-focused innovative services.
- What technical skills are most important for this Senior Software Engineer role at Credit Genie?
- Key technical skills include 5+ years of experience in designing, building, and scaling high-performance backend systems, expertise in architecting large-scale distributed systems, and a strong understanding of data privacy, compliance, and secure coding practices. Experience with fintech products is a plus.
- How does Credit Genie support employee wellness for its Senior Software Engineers?
- Credit Genie offers comprehensive benefits including 100% company-paid medical, dental, and vision coverage, fitness reimbursement or gym memberships, a 401(k) with match, meal programs, HSA match, life insurance, and flexible PTO to promote financial, mental, and physical wellness.
- What kind of impact can a Senior Software Engineer have at Credit Genie?
- You will have a direct and meaningful impact by shaping the systems that safeguard and personalize financial products. Your work on greenfield development and core services will influence the company's platform and contribute to the financial well-being of users.
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