--- title: 'Senior Software Engineer, Lending Products at Parafin' canonical: 'https://feeny.ai/job/senior-software-engineer-lending-products-parafin-san-francisco-zr53hnveh1qa' type: 'job' last_seen: '2026-09-09' --- # Senior Software Engineer, Lending Products at Parafin - **Company:** Parafin - **Location:** San Francisco, CA - **Employment:** full-time - **Work type:** hybrid - **Posted:** 2026-08-31 - **Last confirmed live:** 2026-09-09 - **Apply:** https://jobs.ashbyhq.com/parafin/8f7c5c43-80bb-433e-a2e2-b104c74ab24c ## Job description About Us: At Parafin, we’re on a mission to grow small businesses. Small businesses are the backbone of our economy, but traditional banks often don’t have their backs. We build tech that makes it simple for small businesses to access the financial tools they need through the platforms they already sell on. We partner with companies like DoorDash, Amazon, Worldpay, and Mindbody to offer fast and flexible funding, spend management, and savings tools to their small business users via a simple integration. Parafin takes on all the complexity of capital markets, underwriting, servicing, compliance, and customer service for our partners. We’re a tight-knit team of innovators hailing from Stripe, Square, Plaid, Coinbase, Robinhood, CERN, and more — all united by a passion for building tools that help small businesses succeed. Parafin is backed by prominent venture capitalists including GIC, Notable Capital, Redpoint Ventures, Ribbit Capital, and Thrive Capital. Parafin is a Series C company, and we have raised more than $194M in equity and $340M in debt facilities. Join us in creating a future where every small business has the financial tools they need. ## About the Position We're looking for a user-focused backend engineer to join our Lending Products team in San Francisco to help build the platforms and infrastructure that power the suite of Parafin's lending products. The Lending Products team builds the core systems, frameworks, and tooling that product engineers across Parafin rely on to build and iterate on financial products. You'll partner with engineering teams across the company, including those that own offer generation, servicing, and repayment, to build and improve the platform capabilities they need to ship new product verticals quickly and reliably. As a Senior Software Engineer, you'll independently own and ship platform features end-to-end, contribute to the design of new platform capabilities, and play a key role in the team's growth. What You’ll Be Doing: - Own the development of key components of our lending platform infrastructure, including the systems and frameworks that product engineers use to build and ship lending products. - Partner with engineers on teams that own specific lending verticals to understand their needs and build platform capabilities that enable them to move quickly. - Identify, own, and implement improvements to our infrastructure to support product development and improve system reliability. - Contribute to a strong engineering culture through thoughtful code reviews, clear documentation, and knowledge sharing. - Mentor other engineers, drive improvements to team processes and code quality, and foster a culture of craft and ownership. What We’re Searching For: - 5+ years of experience working in a backend engineering role, ideally in a platform or product-focused environment. - You care deeply about building high-quality software and take pride in your work. - You are comfortable owning and driving the development of new platform capabilities from the ground up. - You have a solid understanding of engineering fundamentals and a desire to continue learning. - You have strong cross-functional communication and collaboration skills, comfortable working across Engineering, Product, and Data Science teams. - You are excited about working on a small team and playing a key role in our company's growth. Bonus Points - Experience building internal platforms or frameworks that other engineering teams build on top of. - Experience in fintech, financial products, or embedded finance. - Experience designing systems with strong correctness and auditability requirements. ## What We Offer - Salary Range: $215k - $275k + - Equity grant - Medical, dental & vision insurance - Work from home flexibility - Unlimited PTO - Commuter benefits - Free lunches - Paid parental leave - 401(k) - Employee assistance program If you require reasonable accommodation in completing this application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please contact us. ## About Parafin ## Company Overview - **One-liner**: Parafin is a financial infrastructure company that provides platforms with embedded financial products for small businesses. - **Entity Type**: Private (Line of Credit – II; total raised $412M) - **Headquarters**: San Francisco, California, United States - **Founded**: 2020 - **Founders**: Sahill Poddar, Vineet Goel, Ralph Furman ## Core Business - **Primary industry**: Embedded finance / Fintech infrastructure - **Target customers**: B2B – marketplaces, vertical SaaS platforms, and payment processors that serve small businesses - **Mission / purpose**: “Power the financial services of platforms so small businesses can run and grow themselves despite uncertain economic conditions.” ## Products & Services - **Capital**: White-labeled working capital financing for small businesses. Offers are pre-approved, disbursed in as little as 24 hours, with no interest or late fees. AI-powered underwriting trained on over 1 billion cross-industry data points. - **Pay Over Time**: A payment method that allows end customers to pay over time, helping platforms grow their bottom line. - **Spend**: A spend card program that turns everyday customer spend into revenue and loyalty for the platform. ## Market Standing - **Valuation / Market Cap**: Not publicly disclosed - **Key Metrics**: - Total funding: $412M (latest round: Line of Credit – II in 2026) - Extended over $25 billion in offers to hundreds of thousands of businesses - Over 50,000 businesses funded - **Notable Investors / Partners**: Ribbit Capital, Thrive Capital, GIC, Notable Capital, Redpoint Ventures; also Trinity Capital, Silicon Valley Bank, EverBank, Cross River. Platform partners include DoorDash, Amazon, Worldpay, Walmart, and Mindbody. - **Growth Signals**: - Ranked #10 on the 2025 Deloitte Technology Fast 500 - Ranked #13 on the 2025 Inc. 5000 list - Named to the 2026 Forbes Fintech 50 - Recognized as one of “America’s best startup employers (2026)” - Expanded warehouse credit facility with Silicon Valley Bank, EverBank, and Trinity Capital (May 2026) ## Competitive Advantages - **AI-powered underwriting** that continuously improves using over 1 billion data points, enabling high approval rates and pre‑approved offers. - **White‑labeled, deeply integrated UI** that feels native to the platform partner. - **Fast capital deployment** – funds in as little as 24 hours with no interest or late fees. - **Trusted by leading platforms** (DoorDash, Amazon, Worldpay, Walmart) providing strong distribution and credibility. ## Strategic Focus - Expand the suite of embedded financial products (Capital, Pay Over Time, Spend). - Deepen partnerships with platforms and payment processors to reach more small businesses. - Continue to invest in AI/ML underwriting to improve approval rates and risk management. - Scale the warehouse credit facility and debt capacity to support growing loan origination. ## Why Work Here - **Culture & values**: Accountability, Efficiency, Empathy, Intellectual Honesty. Emphasis on seeking truth, giving feedback, and being results-oriented. - **Benefits**: Unlimited PTO, medical/dental/vision insurance, 401(k) plan, commuter benefits, free in-office lunches, HSA & FSA options, paid parental leave, pet insurance discount, mental health & well-being resources, coffee chat allowance, peer recognition program, free equity tax advising. - **Work environment**: Office‑first in San Francisco (301 Howard Street). Roles span Engineering, Data Science, Design, Finance, Marketing, Operations, Platform Growth, and Sales. - **Recognition**: Named “America’s best startup employers (2026)” and “Fintech Innovation 50,” indicating strong employee satisfaction and industry impact. ## Sources 1. [parafin.com](https://www.parafin.com/) – Official website 2. [parafin.com/about](https://www.parafin.com/about) – About page 3. [parafin.com/careers](https://www.parafin.com/careers) – Careers page 4. [jobs.ashbyhq.com/parafin](https://jobs.ashbyhq.com/parafin) – Open roles 5. [cbinsights.com](https://www.cbinsights.com/company/parafin) – CB Insights company profile ## Other roles at Parafin - [Product Operations Specialist, Servicing](https://feeny.ai/job/product-operations-specialist-servicing-parafin-san-francisco-x2e1v1nvja9x) — San Francisco, CA - [Account Executive, Platform Partnerships](https://feeny.ai/job/account-executive-platform-partnerships-parafin-san-francisco-rhhdhy9r1z0y) — San Francisco, CA - [Engineering Manager, Data Platform](https://feeny.ai/job/engineering-manager-data-platform-parafin-san-francisco-dc5mw86j5sm7) — San Francisco, CA - [Partner Engineer, Scaled Support](https://feeny.ai/job/partner-engineer-scaled-support-parafin-san-francisco-v6dbxfzzw6g4) — San Francisco, CA - [Customer Support Specialist](https://feeny.ai/job/customer-support-specialist-parafin-san-francisco-y153w5prbdtn) — San Francisco, CA - [Senior Forward Deployed Engineer](https://feeny.ai/job/senior-forward-deployed-engineer-parafin-san-francisco-t0my8fzfmqj0) — San Francisco, CA - [Head of Marketing](https://feeny.ai/job/head-of-marketing-parafin-san-francisco-ng1vvc7xcytq) — San Francisco, CA - [Senior Software Engineer, ML Platform](https://feeny.ai/job/senior-software-engineer-ml-platform-parafin-san-francisco-45pnmjsttgw4) — San Francisco, CA - [Staff Software Engineer, Lending Products](https://feeny.ai/job/staff-software-engineer-lending-products-parafin-san-francisco-b4bjmqxb0qhn) — San Francisco, CA - [Senior Software Engineer, Merchant Platform](https://feeny.ai/job/senior-software-engineer-merchant-platform-parafin-san-francisco-vmnp25rzccdy) — San Francisco, CA