Our clients mission is to increase the number of financially independent people. They believe they can achieve this goal by building tools that enable independent business owners to scale their businesses profitably. Their first product combines a virtual credit card system with dynamic spending limits and software tooling to help merchants grow and optimise their profitability.

They are growing very fast -- in less than five months, they grew to millions in card volume. They have a significant waitlist of customers waiting to use their product. They are looking to expand their headcount quickly to support the demand. Their investors include Solomon Hykes (founder of Docker), Paul Buchheit (founder of Gmail), Paul Graham (founder of Y Combinator), Robert Leshner (founder of compound.finance), and many more. They have raised over $30M from top-tier fintech investors.

WHAT YOU'LL BE WORKING ON

You'll be involved in projects of varying scope and complexity:

• Build credit risk models that segment merchants based on their revenue and spend patterns to offer dynamic credit limits that change with business performance given the high seasonality and fast pace of ecommerce

• Use machine learning tools to build realtime credit underwriting models leveraging alternative and traditional data sources

WHAT YOU'LL NEED

• Passion for, or curiosity to learn, financial technology

• Track record of high-quality shipping products and features at scale

• Ability to turn business and product ideas into engineering solutions

• Desire to work in a fast-paced environment, continuously grow and master your craft

WHAT THEY WOULD LIKE TO SEE

• Experience with building out data pipelines (e.g. should know data lakes, data warehouses, ETL, etc.)

• Experience working with data analytics, algorithmic decision making, and real-time data systems

• Experience with different business requirements on data freshness and retention

PLUSES

• Proven experience and subject matter expertise in e-commerce payments (nice to have) or financial services.

• Has worked with bank account data (e.g. worked with Plaid), payments data (perhaps Stripe), and/or other fintech data sources