---
title: 'Senior Software Engineer at Capitalize'
canonical: 'https://feeny.ai/job/senior-software-engineer-capitalize-new-york-wnzf324fajbb'
type: 'job'
last_seen: '2026-09-08'
---

# Senior Software Engineer at Capitalize

- **Company:** Capitalize
- **Location:** New York, NY
- **Posted:** 2025-10-27
- **Last confirmed live:** 2026-09-08
- **Apply:** https://www.hicapitalize.com/careers/opportunity/?gh_jid=5690067004

## Job description

About Us:

Capitalize is a mission-driven company solving critical problems in the $20 trillion retirement savings market with delightful products, scalable technology, and a world-class team.

At our core, we’re modernizing the $1 trillion in retirement account transfers (401(k) rollovers) that happen annually and currently involve manual, paper-based processes. By doing so, we’re helping the almost 20 million Americans who change jobs each year with a 401(k) do the right thing with their assets rather than lose them to fees and taxes.

Our Enterprise offering includes a full suite of enterprise-grade APIs used by leading financial institutions to help their users find and transfer retirement accounts as part of their core funding flows. Our Consumer offering helps individuals digitally locate forgotten 401(k)s and consolidate them into one of our brand-name financial partners.

We’ve raised $35mm from leading venture capital investors including RRE Ventures, Canapi Ventures, Greycroft, and others, and we’ve been recognized as one of TIME’s 100 Best Inventions and by Forbes as one of the Top 50 Fintech Companies in the US.

What You'll Do:

As a Senior Software Engineer at Capitalize, your work will be instrumental in our efforts to help more people gain control of their retirement savings. We’re looking for someone with strong back-end development experience to join us in building the APIs and infrastructure to power our platform.

In your day-to-day, you will create meaningful product functionality, execute on testing new ideas, handle development on new product initiatives, design and build APIs, touch data processes, and enhance other internal functions that drive our business forward and enable us on our mission. We are a small, fast-paced team, and collaborate frequently on what is created (from Figma to deployment), and ownership is a key driving factor for our engineers.

If you have experience in early-stage startups, thrive in cross-functional environments, and enjoy working on initiatives that people interact with daily, we’d love to hear from you!

What You'll Bring:

- 6+ years of experience in a software engineering role
- Expertise in backend technologies, specifically using modern Java and JPA
- Strong knowledge of relational databases and/or NoSQL databases
- Experience with monitoring solutions, and troubleshooting best practices
- Effective independent contribution, with a sense of ownership, and a proactive mindset
- Experience working on products with rapid feature development, including fast iterations and tight feedback loops during QA processes
- Desire to take on growth-oriented initiatives outside of core feature work
- Experience with continuous integration/continuous delivery (CI/CD) pipelines

Bonus Points For:

- Devops or cloud development
- Efficiently scaling up systems and processes
- Typescript, Node

Benefits We Offer:

- Competitive compensation and equity in the company
- Medical, dental, and vision insurance, with 100% premium covered for staff and 50% for dependents
- 401k plan access
- Unlimited paid time off
- 12 weeks of fully-paid parental leave

Compensation range: Senior Software Engineer: $160-180k

Note: This role is hybrid based in NYC, with a requirement of at least 3 days in-office.

We’re a mission-driven company focused on doing what’s right - for our customers and for our team. That means assembling a group of diverse, hardworking people who want to be their best in a setting that’s open and inclusive for all. We’re committed to diversity in both measurable terms (e.g. gender, race) and across other dimensions like skill sets and experiences. We believe that a diverse, equitable and inclusive company enriches our professional and personal lives. If that speaks to you, we want to meet you. Come help us build!

## About Capitalize

## Company Overview
- **One-liner**: Capitalize provides a modern digital platform that automates the process of finding, consolidating, and rolling over old 401(k) accounts, serving both individual consumers and financial institutions via an enterprise API.
- **Entity Type**: Private (Series B)
- **Headquarters**: New York, NY, USA
- **Founded**: 2020
- **Founders**: Gaurav Sharma (CEO), Chris Phillips (CTO)

## Core Business
- **Primary industry**: Financial Services / Fintech (Retirement Savings & Wealth Management)
- **Target customers**: B2B (Financial institutions, advisors, recordkeepers) and B2C (individuals with old 401(k) accounts)
- **Mission or purpose statement**: To make saving for retirement easy and to ensure all Americans can retire with enough money for a life of dignity by eliminating friction and fees in the retirement savings system.

## Products & Services
- **Consumer Rollover Platform (B2C)**: A free, digital service that helps individuals find their old 401(k)s, compare rollover options (IRA providers), and execute a seamless transfer without paperwork or phone calls.
- **Enterprise Rollover API (B2B)**: A developer-first API and white-label platform that enables financial institutions, advisors, and recordkeepers to offer a digital rollover experience to their own customers. Includes white-glove support from a team of rollover specialists.

## Market Standing
- **Valuation/Market Cap**: Not publicly available
- **Key Metric**: Total Funding of **$33.5M** (as of August 2024); Annual Revenue estimated at **$3M** (per LinkedIn).
- **Notable Investors/Partners**: RRE Ventures (led Series B), Canapi Ventures (led Series A), Greycroft, Bling Capital. Partners with leading financial institutions (names not publicly listed).
- **Growth Signals**: Recognized as one of **TIME’s 100 Best Inventions** and **Forbes Top 50 Fintech Companies in the US**. The company reports a **300% increase in rollover volume** for partners and a **50%+ rollover volume run rate growth** in 24 months. They have processed billions of dollars in assets.

## Competitive Advantages
- **Independent & Unbiased**: Unlike IRA providers, Capitalize is an independent platform that does not steer users to its own products, creating trust and alignment with the consumer.
- **Comprehensive Coverage**: Has mapped the rollover process for virtually all recordkeepers, handling complex exceptions efficiently.
- **Proven at Scale**: Platform is battle-tested with leading financial organizations, processing high volumes of data with low response times.
- **Proprietary Technology + Human Touch**: Combines a developer-first API with a team of rollover specialists who provide personalized, high-touch support.

## Strategic Focus
- **Expand Enterprise Partnerships**: Continuing to scale the B2B API business to capture a larger share of the $1 trillion annual rollover market.
- **Product Development**: Launching new features to help users better manage their consolidated retirement savings.
- **Long-term Growth**: Building an enduring business focused on the long-term, with a mission-driven approach to solving a systemic problem in retirement savings.

## Why Work Here
- **Mission-Driven Culture**: The team believes in doing good and making money, rejecting the trade-off between profits and purpose.
- **Ownership Mentality**: Employees are given the power to make decisions and are incentivized with equity to share in the company’s success.
- **Hybrid Work Environment**: The majority of the team is based in New York, coming into the office 2-3 days per week; flexible hybrid policy.
- **Strong Perks**: Competitive salary and equity, 100% premium-covered medical/dental insurance, 401k plan, unlimited PTO, 12 weeks of fully-paid parental leave, commuter benefits, pet-friendly office, and free snacks/drinks.
- **Engineering Culture**: Emphasis on clean code, dry humor, and building scalable systems with a developer-first approach. Direct access to engineers for enterprise partners.

## Sources
1. [Capitalize Official Website](https://www.hicapitalize.com/)
2. [Capitalize About Us](https://www.hicapitalize.com/about-us/)
3. [Capitalize Careers Page](https://www.hicapitalize.com/careers/)
4. [Built In NYC Profile](https://builtin.com/company/capitalize)
5. [LinkedIn Company Page](https://www.linkedin.com/company/capitalize)

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