Sr. Software Engineer - Credit Card

EMPOWER OVERVIEW

Empower is shaking up an outdated financial system by providing real opportunity for our customers: the opportunity to get the cash they need, to access fair credit, and to change their financial story. Today, we’re helping millions of people find financial security through machine learning models that evaluate creditworthiness using a more inclusive lens and mobile-first products: Cash Advance, Thrive line of credit, and Petal credit cards. Tomorrow? Creating even more financial paths for our customers (and their wallets) to succeed.

This year, Empower ranked #65 on Inc. 5000’s Fastest-Growing Private Companies list — our third year in a row cracking the top 100 — and was named by Forbes as one of the 25 Next Billion-Dollar Startups for 2024. Empower was also featured by Forbes on America’s Best Startup Employers list in 2023, and our Thrive line of credit product was named by Fast Company as one of 2022’s Next Big Things in Tech.

Empower is backed by Sequoia Capital, Blisce, and Icon Ventures. Ready to grow your impact and accelerate your career? Take a look at our open roles — we can’t wait to meet you.

The Opportunity: Sr. Software Engineer - Credit Card

As a Senior Engineer on our Card team, you'll join a high-caliber engineering organization at a critical inflection point in Empower's growth trajectory. You'll work across our Card Spend and Card Payments domains, implementing key features that power our AI-driven credit platform. This role reports to the Engineering Manager for the team and collaborates with Staff and Principal Engineers to execute our card platform strategy.

Within our team structure, you'll independently execute on features of moderate to high complexity. You'll bring valuable opinions to discussions about product direction and team roadmap, helping shape how we approach critical challenges in both the spending and payments domains. While you'll have guidance from more senior team members, you'll be self-sufficient in managing your work and communicating progress to stakeholders.

Empower is a remote-first company. We drive connectivity through regular company offsites. Travel for company offsites is expected at a minimum 2 times a year.

How You'll Make an Impact

You'll make a significant impact by implementing and enhancing features that directly drive adoption and utilization of our card products. Our credit business represents a substantial and rapidly growing portion of Empower's revenue - your engineering contributions will be directly tied to achieving our ambitious growth targets.

We're looking for someone to improve and scale systems with proven market fit. instead, you'll be improving and scaling systems that have proven market fit. You'll implement features that enhance the user experience, optimize our infrastructure, and help transition our platform from serving our initial customer base to supporting a rapidly growing portfolio of card products.

Depending on team needs and your interests, you'll implement features across the card lifecycle, such as:

• Enhancing user interfaces for transaction visibility and spending insights

• Building components of our rewards system to increase engagement

• Implementing account status management and payment scheduling features

• Creating integration points with our AI-driven risk management systems

• Developing tools for both customers and internal teams to manage card operations

Your work will span both customer-facing features that drive engagement and internal systems that ensure reliability and performance as we scale. You'll work with clear requirements but will have the autonomy to make implementation decisions and suggest improvements to product plans.

Why You're a Great Fit

As a Senior Engineer on the Card team, you'll need:

• Strong software engineering fundamentals and coding skills

• Experience implementing features for consumer-facing products

• Understanding of financial transactions and payment systems

• Ability to work with distributed systems and data-intensive applications

• Skill in translating product requirements into effective technical solutions

• Experience with handling complex state management in user interfaces

• Knowledge of secure coding practices for financial applications

• Self-sufficiency in communicating work status and managing tasks

• Comfort bringing opinions to technical and product discussions

• Ability to collaborate effectively with product managers, designers, and other engineers

This role offers an excellent opportunity to make a meaningful impact on products that directly improve people's financial lives while growing your skills in a rapidly scaling fintech environment.

Don't meet every qualification? If you're excited about this challenge and driven to innovate, we still want to hear from you!

• Meaningful Ownership: Competitive salary and generous equity in a profitable, fast growing company.

• Complete Support: 100% coverage for medical, dental, vision, and life insurance, plus a generous WFH reimbursement.

• High-Impact Teams: The chance to thrive in a small, focused team where your contributions directly shape outcomes for our business and customers.

• Remote First: A virtual first environment built on trust and outcomes.

• Team Connection: Twice-yearly company onsites where we come together to connect, learn, and build for the future (our last few have been in San Diego, Vail, and Flagstaff)!

• Growth Path: Ongoing opportunities for development in a dynamic, supportive, and creative environment.

The Empower Way is one where bold ambition meets an owner mindset, where open dialogue and spirited debate are encouraged, and where everyone works together to put our customers first. We believe diverse voices lead to the best ideas, and we foster an environment where every individual is valued, heard, and supported as part of one unified team working to change lives and build a more inclusive future.

If that sounds like you, join us and be part of a team that's helping millions of people reshape their financial futures.