Software Engineer

Prism Data is building the future of credit scoring with modern technology and data science. Prism’s platform enables banks and other lenders to utilize automated cash flow underwriting—analyzing detailed banking history alongside traditional credit history in an instant—to improve financial decisions, expand credit approvals, lower losses, and more. Prism’s API-based, no-PII platform translates raw transaction data from any source into actionable insights and scores including the market‑leading CashScore® for credit risk management. Prism works with some of the biggest banks and fastest growing fintechs in the country and Prism’s technology has been used to power billions of dollars worth of credit originations and to improve millions of credit decisions. Prism is well‑funded and backed by large financial institutions like Synchrony and Citi, as well as top VCs like Obvious Ventures, Core Innovation Capital, and Valar Ventures. Position Overview: We’re seeking a Software Engineer to join our NYC‑based team and contribute to strategic initiatives, implement solutions across our products and platforms, and actively learn from and collaborate with Prism’s other engineering staff. This role reports to the VP of Technology, and will collaborate closely with cross‑functional teams at Prism to ensure the product roadmap and technology strategy aligns with industry best practices, as well as emerging client and partner demand. To power our products, we leverage Python, Kubernetes, AWS, Node.JS, PostgreSQL, and other technologies. What You’ll Do: Contribute to Prism’s engineering culture by collaborating and ideating with other engineers on product development and solution design. Participate in code reviews, on‑call rotations, observability design, and post‑incident reviews—maintaining the foundation of a culture of excellence and accountability. Develop proficiency in building and operating APIs that expose ML models and data‑driven insights to other businesses and partners. Maintain and enhance the Kubernetes infrastructure stack that supports Prism’s APIs. Ensure reliability and uptime of services through use of automated testing and observability tooling. Partner cross‑functionally with product, legal, and go‑to‑market teams to cohesively develop new projects that expand cash flow analytics use cases. Qualifications: Software engineering experience, ideally in a high‑growth or early‑stage startup. Effective communicator and teammate with ability to collaborate and negotiate on implementation decisions. Familiarity with modern software development technologies, with eagerness to learn Prism’s tech stack and contribute to experiments with new tooling. Strong programming skills in Python, and ideally hands‑on experience with GRPC and RESTful APIs. Other Information: Target base salary for this role is between $95,000 and $110,000 per year. Prism also offers additional equity‑based compensation. Prism provides a comprehensive benefit plan, including medical, dental, vision, and 401(k). Pay is based on factors such as (but not limited to) scope and responsibilities of the position, candidate’s work experience and skillset, and location. Pay and benefits are subject to change at any time, consistent with the terms of any applicable compensation or benefit plans. Prism is an equal opportunity employer and values diversity. We do not discriminate based on race, color, national origin, ethnicity, religion or religious belief, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender, gender identity, gender expression, transgender status, sexual stereotypes, age, military or veteran status, disability, or other applicable legally protected characteristics. We also consider qualified applicants with criminal histories, consistent with applicable federal, state, and local laws. Prism is committed to providing reasonable accommodations for candidates with disabilities in our recruiting process. Please let us know if you need assistance with your application or interviews due to a disability. #J-18808-Ljbffr