Staff Full Stack Engineer (Backend Emphasis), Loan Processing & Funding Team - REMOTE

At SmartBiz
  • Full Time
  • Employee
  • Remote*

Posted on January 25th

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SmartBiz is on a mission to transform small business lending.  

SmartBiz is the leading AI-powered small business financing platform equipping entrepreneurs with access to the right capital at the right time. To date, we’ve connected borrowers with more than $9 billion in funding while increasing efficiency for our network of banks and trusted lending partners. More than 230,000 entrepreneurs have utilized our platform to access the funding they need to grow, with 60% of loans made to minority, women, or veteran-owned businesses.

Staff Full Stack Engineer (Backend Emphasis), Loan Processing & Funding Team
Our Loan Processing and Funding development team is responsible for the core application and services that our team, banks, and partners use to process loans in the system. It is quite literally the heart of our product and requires balancing customer needs, security and compliance, and scalability and maintainability of the product going forward.  

With the business experiencing rapid growth, we are expanding (and splitting into smaller teams/squads)  the existing teams and preparing to dive into new areas. This includes optimizing our existing applications into better user experiences with more automation, re-implementing functionality into separate services, and building new services and applications to support borrowers and banks.

We need Staff Engineers who want to be part of our journey; you embrace the challenge of understanding the existing product and code, which is in Ruby on Rails and continues to serve the business well, while at the same time having an eye for how to break it down into manageable pieces to be moved to our target-state architecture consisting of Python-based microservices.  

You have a Lead mentality and a passion for motivating those around you. You feel most successful when your team is writing quality code, and when the engineers working with you are happy and productive. 

In order to set the team up for success, we are looking for additional talent: Backend and Full Stack - all Staff Level only. 

How You Will Make An Impact:
  • Designing and developing financial applications, mostly on the backend but also some frontend work.
  • Consistently planning and delivering high-quality releases at least every 2 weeks according to plan, working in Ruby, React, and/or Python and deployed on AWS.
  • Driving the design and implementation of applications and/or services. 
  • Providing great quality through high test coverage and detailed documentation.  
  • Taking initiative and a lead role on challenging technical projects.  
  • Helping other team members through design and code reviews and feedback.

What You'll Have a Chance To Master:
  • New languages, frameworks, and platforms like Ruby/React and Python-based services.
  • Automating - we’re automating everything we can. 
  • Leveraging machine learning to identify data, extract data, and make risk assessments.
  • Work in partnership with frontend development teams to understand and improve SmartBiz’s backend experience.

What We Are Looking For:
  • Bachelors in Computer Science or related field.
  • 5+ years experience in a backend development role.
  • A desire to become an expert in Ruby and Python.
  • Deep technical knowledge, knowing when to make trade-offs for short and long-term objectives. 
  • Experience with Lucid Charts.
  • A passion for quality, reliability, security, and scalability. 
  • A history of owning issues and driving them to completion.
  • Thrive with a high level of autonomy and ownership.
  • Clean Design: you love clean design and enjoy thinking about how users (of all backgrounds) interact with the software you write. 
  • You raise the bar and make peers better, leading by example.
  • A great team player that shows humility, listens to feedback, and is unafraid to share their point of view.
  • Mentoring and elevating the impact of others, all others - not just your team.

Opportunities & Benefits We Will Provide:
  • Join us on the journey as we target an IPO in 24-36 months
  • Help redefine small business banking
  • Competitive salary and equity in a fast-growing start-up
  • 100% paid medical, dental, and vision benefits for you and your dependents
  • 100% paid life and disability insurance
  • 401k plan
  • Work from anywhere in the United States; we're a fully distributed company, and we provide the tools, culture, and support to make your work setup work for you

More About SmartBiz:
  • 60% + of the loans funded by our banks are for women-owned, minority, or veteran businesses
  • Great Place to Work Certified, August 2022 - August 2023 USA
  • American Banker's Best Places to Work in Financial Technology in 2017, 2020, and 2021
  • TechBullion named SmartBiz as one of the 5 Best Fintech Companies to Work For in 2019
  • #313 on the Inc. 5000 list of fastest-growing private companies in the U.S. in 2018
  • Named one of the Best Places to Work and one of the Bay Area’s Fastest-Growing Private Companies by the San Francisco Business Times
  • A+ rating with the Better Business Bureau and rated "excellent" by review websites TrustPilot, Consumer Affairs, and Google

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