Software Engineer

Software EngineerFounded in 2017, NinjaHoldings works to give everyday Americans better access to financial services than traditional institutions typically provide. Through our CreditNinja and NinjaCard brands, we offer digital banking and lending products designed for consumers often overlooked, paired with incentives that support long-term financial improvement. Our Edge brand extends this expertise to other companies, providing underwriting, fraud detection, and analytics services. Headquartered in Chicago with a distributed global workforce, we are a lean, growing organization committed to advancing consumer finance in the US.The Software Engineer will be responsible for building new systems, enhancing and refactoring existing systems, integrating with external systems, and performance projects. This person will work with the existing team of developers, QA and Product Managers to design and implement features, have input on roadmaps and bring prior experience to ensure a world class product. You will work closely with your technical lead to shape the overall Engineering vision and roadmap.This person has built systems from the ground up and had to deal with bad design assumptions and scaling issues. The right candidate has developed good design instincts through a mix of seeing 'what not to do' as well as being a'student' of good design.You'll be part of a team that works in one of the following areas.Customer Communication - how we communicate with our customers & potential customers. I.e. email, sms, snail mailIdentity - managing customer and potential customer informationDecisions - Decision systems for bidding on marketing leads and automatically making underwriting decisions.Portfolio Management - Systems responsible for managing the life cycle of our lending and banking products such as integrations to external payment processing systemsKey Responsibilities:Design, develop or modify software and/or software systems and also taking the service architecture into considerationAnalyze user needs to determine how software should be built or if existing software should be modifiedTranslate business requirements and specifications into usable and scalable softwareLead design and code reviewsParticipate in discussions about the team's future vision and strategyIdeal Candidate Will Have:3+ years of professional experience as a backend software engineer for non-trivial web applications3+ years of Ruby on Rails, bonus point for Hotwire Turbo/Stimulus + Tailwind experienceThinks critically about work to guarantee business functionality. Understands and takes into account business goals into their technical decisionsCan break down large initiatives into incrementally implementable deliverablesStrong communication ability to describe complex problems and solutionsAble to work across teams to tackle complex issuesExtensive experience with data model design for relational databasesAdditional Pluses:Extensive experience using SQL to investigate non-trivial issues or to create complex reportingStrong experience on the Frontend or the infrastructure (DevOps)Prior FinTech experienceBenefits & Perks:Flexible Paid Time OffHealth Benefits with generous medical, dental and vision insurance plans401(k) with matching contributionPaid Family LeaveAnnual Wellness & WFH subsidiesEmployee Referral ProgramRemote first culture with convenient downtown office in the heart of the city