Software Engineer

Software Engineer Prism Data is building the future of credit risk assessment using data science, machine-learning and transaction-level financial data. Our platform enables banks, fintechs, and lenders to use cash flow underwriting—analyzing detailed banking history to improve credit decisions, expand approvals, and reduce losses in real time. We believe cash flow tells a more detailed and accurate story than just traditional credit scores, so we're building products that help credit providers make faster, fairer decisions. Prism transforms raw transaction data from any source into structured, explainable features and predictive risk scores, including the market-leading CashScore®. Our products sit at the intersection of data engineering, machine learning, and regulated financial decisioning—and we're trusted by some of the largest financial institutions and fastest-growing fintechs in the country. Prism is backed by leading strategic investors like Synchrony and Citi, along with top-tier venture firms including Obvious Ventures, Valar Ventures, and Core Innovation Capital. We're seeking a Software Engineer to help us make financial data more legible and inclusive. At Prism, you'll ship code that impacts how millions of people access credit, move from ideation to production in days or weeks—not months—working directly with Prism's engineering, product, and customer success teams. While Prism Data is a remote-friendly organization, our engineering culture is centered around our New York City and San Diego hubs. We have a preference for candidates who can collaborate in person at either of these locations, but are open to exceptional remote candidates who are well-aligned with our mission and tech stack. You'll collaborate with teams across Prism to implement our product roadmap and technology strategy to respond to emerging client and partner needs, while maintaining a high standard for engineering best practices. To power our products, we use Python, Kubernetes, Node.JS, PostgreSQL, DynamoDB, and other technologies within the AWS ecosystem. What You'll Do: Contribute to Prism's engineering culture by collaborating and ideating with other engineers on product development and solution design. Experiment with and implement LLMs and AI tooling to improve our product features and optimize processes across the company. Participate in code reviews, on-call rotations, development of our observability and monitoring systems, and post-incident reviews—maintaining a culture of excellence and accountability. Develop proficiency in building and operating APIs that expose ML models and data-driven insights to our customers and partner businesses. Maintain and enhance the Kubernetes infrastructure stack that supports Prism's APIs. Ensure reliability and uptime of our services through automated testing and observability tooling. Partner with product, legal, and go-to-market teams to develop new products that leverage cash flow analytics. Qualifications: A strong foundation in software engineering, typically gained through relevant internships or professional work, and ideally at a high-growth or early stage startup. We value candidates who have experience (or are eager to learn) how to ship production code in a fast-paced environment. Effective communication skills and an ability to collaborate and negotiate on implementation decisions. Familiarity with modern software development technologies and an eagerness to learn Prism's tech stack and contribute to it with new tooling where necessary. Strong programming skills in Python, and ideally hands-on experience with RESTful APIs and gRPC. Target base salary for this role is between $100,000 and $140,000 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. Prism Data