---
title: 'Backend Software Engineer at Self Financial'
canonical: 'https://feeny.ai/job/backend-software-engineer-self-financial-austin-nyw3zsqdhxq2'
type: 'job'
last_seen: '2026-11-07'
---

# Backend Software Engineer at Self Financial

- **Company:** Self Financial
- **Location:** Austin, TX
- **Work type:** hybrid
- **Posted:** 2026-10-19
- **Last confirmed live:** 2026-11-07
- **Apply:** https://job-boards.greenhouse.io/selffinancial/jobs/6225372004

## Job description

## About Self Financial

Self Financial is a venture-backed, high-growth FinTech company with a mission to increase economic inclusion and financial resilience by empowering people to build credit and build savings.

We challenge the status quo of the credit industry by giving people accessible tools to take control of their credit, with a focus on the 100 million+ Americans who have no or low credit. We're looking for people who share our passion, tackle challenges, find solutions, and make the financial space better for the communities we serve.

Title

Backend Software Engineer

## Team

Credit Card Team. Builds and supports the systems behind Self's credit card products, including the services and APIs that power the card experience in our mobile app and web platforms, and the integrations with the third-party partners our card products depend on.

Location: Austin, TX

Work Arrangement: Austin – Hybrid or Remote

## About the Role

You'll help build and maintain the backend services and APIs behind Self's credit card experience, working alongside a high-performing team of engineers. Much of the work involves integrating with third-party partners and platforms, so you'll learn how external systems connect with ours and how to make those integrations reliable and secure. This is a strong fit if you have a solid backend foundation and want to grow, take on more ownership over time, and learn from experienced engineers in a fast-paced, collaborative environment with frequent releases.

What you'll do:

- Build and maintain backend services and REST APIs (Python, Flask, FastAPI) used by web and mobile clients
- Model data and write efficient queries in PostgreSQL/MySQL, contributing to schema and indexing decisions
- Build and support third-party integrations, including data exchange, error handling, and monitoring
- Write clean, tested code and grow through code review
- Uphold team best practices for testing, security, performance, and safe releases
- Partner with Product, Design, Frontend Engineering, QA, and your manager to ship user-focused improvements

## What You Bring

- 2+ years of professional software engineering experience, including work on backend services
- Working knowledge of Python and a solid grasp of web application fundamentals
- Understanding of REST APIs and how backend services communicate with clients and other systems
- Comfort with Git and collaborative workflows, including code review
- A commitment to reliable, tested, secure, and maintainable code
- Clear communication, strong self-management, and a habit of asking for help when needed

What Separates You

- Experience with Flask or FastAPI
- Knowledge of the credit card or payments industry
- Experience integrating with third-party APIs or partner systems
- Experience using agentic engineering tools (e.g., Claude, OpenAI/Codex, Copilot) to speed up development
- SQL and relational database design experience
- Exposure to cloud platforms (AWS preferred), containers (Docker), or message queues
- Bachelor's degree in Computer Science, Software Engineering, or a related field, or equivalent practical experience
- Curiosity and a track record of picking up new technologies quickly; personal or open-source projects that show your backend skills

Base Salary Range

$105,000 – $130,000 annually. Individual pay and level are based on factors unique to each candidate, including skill set, experience, region, and other job-related reasons.

## Benefits & Perks

- Generous health, dental, and vision insurance coverage
- Employer-paid benefits including life, disability, and cost-containment resources
- Hybrid work arrangement
- Flexible vacation
- Company performance-based bonuses
- Paid parental leave
- Company equity in the form of stock options
- Education reimbursement program
- Relocation bonus to move to Austin
- Gym membership options through ClassPass or monthly reimbursement
- Lunchdrop stipend
- Paid parking
- ERG and inclusion opportunities
- Casual dress code
- Team building events and activities
- Referral program

## Equal Opportunity Employer

Self Financial is an Equal Opportunity Employer. We celebrate diversity and are committed to an inclusive environment. We do not discriminate on the basis of any protected group status under applicable law. If you need an accommodation during the application or interview process, please let us know.

Work Authorization

We can only consider candidates who are U.S. citizens or permanent residents (green card holders). We are unable to offer visa sponsorship of any kind, now or in the future. All new hires must successfully pass a background check.

AI Integrity Policy

Self Financial is an AI-forward company. Our interview process is designed to understand your own career experience, technical acumen, and communication skills. Please do not use AI tools to generate or assist with your answers during interviews unless we explicitly invite you to. If we have reason to believe AI was used in a way that misrepresents your own abilities, we may remove you from the interview process and from consideration for future opportunities at Self.

## About Self Financial

## Company Overview
- **One-liner**: Self Financial is a credit-building platform that helps people build credit and savings simultaneously through accessible financial products.
- **Entity Type**: Private (Series E, raised $127M total funding)
- **Headquarters**: Austin, Texas, United States
- **Founded**: 2015
- **Founders**: James Garvey

## Core Business
- **Primary industry**: Financial Services (Fintech – Credit Building)
- **Target customers**: B2C – individuals with low or no credit history, often underserved by traditional credit systems
- **Mission or purpose statement**: "We believe everyone should have the ability to improve their financial future. We exist to enable people to build credit, build savings, and reach their goals."

## Products & Services
- **Credit Builder Account**: A secured loan that builds credit history and savings simultaneously. Users make monthly payments into a savings account; after the term, the savings are returned. (SaaS/Fintech)
- **Self Visa® Credit Card**: A secured credit card issued by partner banks, designed to help customers build credit through responsible use. (Financial product)
- **Rent & Bills Reporting**: Free reporting of on-time rent payments to three major credit bureaus and utility payments to TransUnion, helping customers boost their credit scores without additional cost. (Feature)
- **Self App**: Mobile app (iOS & Android) for account management, with 250k+ App Store reviews averaging 4.9 stars and 80k+ Google Play reviews averaging 4.6 stars.

## Market Standing
- **Valuation/Market Cap**: Not disclosed
- **Key Metric**: Annual Revenue: $85M (LinkedIn estimate); Total Funding: $127M (Series E, Sep 2021, led by Altos Ventures)
- **Notable Investors/Partners**: Altos Ventures (lead in multiple rounds), Conductive Ventures, Meritech Capital Partners (led Series D). Partners include San Antonio Spurs (Official Credit Building App).
- **Growth Signals**: 4 million customers served; headcount of 341 employees (+10.7% YoY); acquired RentTrack in 2022; operates in 30 countries; strong app store ratings; recognized as a top fintech workplace by American Banker (2020-2022) and Built In Austin (2020, 2022).

## Competitive Advantages
- **Low barrier to entry**: No credit history required to start building credit, addressing the "catch-22" of needing credit to get credit.
- **Dual-benefit model**: Credit Builder Account builds both credit and savings, a unique combination.
- **Free rent & utility reporting**: Differentiator that helps customers improve credit through everyday expenses.
- **High customer satisfaction**: 4.9-star rating on App Store indicates strong product-market fit.
- **Mission-driven focus on financial inclusion** with strong DEI commitment internally.

## Strategic Focus
- Continued innovation in credit-building tools to make financial inclusion more accessible.
- Expansion of reporting features (rent, bills) to further democratize credit building.
- Product development aimed at helping customers achieve larger financial goals (home, car, life).
- Scaling the platform while maintaining high customer satisfaction and regulatory compliance.

## Why Work Here
- **Culture & Values**: Core values include "Be Your Authentic Self", "Builders First", "Transparency Matters", "Own and Deliver", "Do the Right Thing", and "We're Better Together". Strong emphasis on diversity, equity, and inclusion with dedicated DEI program and employee resource groups (ERGs).
- **Work Environment**: Hybrid work model based in Austin, TX. Flexible Time Off, paid parental leave for primary and secondary caregivers.
- **Perks**: Healthcare (medical, dental, vision, life, disability, FSA/HSA), 401(k) investment plan, equity incentive plan, wellness programs, professional development reimbursement, reward and recognition programs.
- **Engineering Culture**: Described as having "endless learning opportunities from fellow engineers", continuous learning and skill expansion, and a supportive environment. Active tech stack and engineering roles visible (Staff Data Engineer, Senior DevOps Engineer).
- **Awards**: American Banker’s Best Places to Work in Fintech (2020, 2021, 2022), Built In Austin Best Places to Work (2020, 2022), Austin Inno Fire Awards 2021.
- **Current Openings** (as of search): Staff Data Engineer, Senior Financial Reporting & Technical Accountant, Senior DevOps Engineer, Principal Information Security Engineer, Technical Revenue Accountant, Senior Information Security Engineer.

## Sources
1. [self.inc/careers](https://www.self.inc/careers)
2. [self.inc/about](https://www.self.inc/about)
3. [job-boards.greenhouse.io/selffinancial](http://job-boards.greenhouse.io/selffinancial)
4. [linkedin.com/company/self-financial](https://www.linkedin.com/company/self-financial)
5. [self.inc](https://www.self.inc/)

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