---
title: 'Software Engineer at Current'
canonical: 'https://feeny.ai/job/software-engineer-current-new-york-0m8a4xc413ve'
type: 'job'
last_seen: '2026-09-08'
---

# Software Engineer at Current

- **Company:** Current
- **Location:** New York, NY
- **Posted:** 2026-04-14
- **Last confirmed live:** 2026-09-08
- **Apply:** https://current.com/careers/open-positions/?id=7814883&gh_jid=7814883

## Job description

## SOFTWARE ENGINEER

Current is a leading consumer fintech platform transforming financial access for everyday Americans with over 6 million members. We provide access to financial solutions that seamlessly work together to solve the needs of our members and enable all Americans to build better financial futures. Based in NYC, our results-driven environment drives us to build better products, grow faster and empower everyone on our team to have an impact on our business and mission to improve financial outcomes.

Current’s Engineering team is dedicated to building our products and infrastructure. With our applications running on Google Cloud Kubernetes Engine, we support a proprietary banking core that can scale to handle millions of transactions a day. Our stack includes MongoDB and Spanner for persistence, Pub/Sub for asynchronous event processing, Dataflow for data transformation paired with BigQuery and Google Cloud Storage for data storage and analytics. Our backend services are written in Java and our data pipelines are built in Scala.

We work across a broad set of domains, including user-facing products like liquidity offerings and reward programs, infrastructure for machine learning and experimentation, real-time fraud detection and identity protection, and large-scale transaction processing across multiple payment rails.

We are looking for a Software Engineer to join our team in New York. This role has a salary range of $150,000 - $200,000. You will work alongside senior engineers to build and improve backend services, contribute to system design discussions, and deliver features that impact millions of members. The ideal candidate should have a background in backend development and experience working with cloud-hosted services. This person should be eager to grow, comfortable taking ownership of well-scoped projects, and motivated to work in a fast-paced environment.

## WHAT TO EXPECT:

- Taking ownership of well-scoped features and delivering them from implementation through production
- Building and maintaining backend services within a distributed microservices architecture
- Contributing to data-intensive applications and gaining exposure to cutting-edge techniques in:
- Real-time transaction decisioning
- Stream-processing
- Machine learning
- Participating in code reviews and contributing to a culture of engineering quality
- Contributing to engineering best practices including testing, monitoring, and documentation
- Collaborating with product data and business stakeholders to ship features that directly impact Current’s members

## ABOUT YOU:

- 2+ years of software engineering experience, with backend experience using a JVM language, preferably Java
- Bachelor’s degree in Computer Science, Electrical Engineering, or related field
- Strong foundation in algorithms, data structures, and object-oriented design principles
- Experience with RDBMS or NoSQL databases
- Strong problem-solving and communication skills
- Experience with cloud-hosted services, like AWS or GCP is a plus

## BENEFITS:

- Competitive salary
- Meaningful equity in the form of stock options
- 401(k) plan
- Discretionary performance bonus program
- Biannual performance reviews
- Medical, Dental and Vision premiums covered at 100% for you and your dependents
- Flexible time off and paid holidays
- Generous parental leave policy
- Commuter benefits
- Fitness benefits
- Healthcare and Dependent care FSA benefit
- Employee Assistance Programs focused on mental health
- Healthcare advocacy program for all employees
- Access to mental health apps
- Team building activities
- Our modern NYC based office with open floor plan, stocked kitchen, and catered lunches

## About Current

## Company Overview
- **One-liner**: Current is a consumer fintech platform that provides mobile-first banking services—including spending accounts, early paycheck access, credit building, and savings—to help everyday Americans improve their financial outcomes.
- **Entity Type**: Private (Series E; most recent round closed June 2026)
- **Headquarters**: New York, New York, United States
- **Founded**: 2015
- **Founders**: Stuart Sopp (CEO & Co-Founder)

## Core Business
- **Primary industry**: Financial Services / Fintech (consumer banking, payments, credit, earned wage access)
- **Target customers**: B2C — everyday Americans, including teens (custodial accounts), gig workers, and underserved or unbanked populations; no minimum income or age restrictions
- **Mission / purpose**: To improve financial outcomes for all Americans by providing affordable, integrated financial solutions that address their most important needs.

## Products & Services
- **Spending Account (Core Banking)**: Mobile-first checking account with a Visa debit card; no mandatory fees, no minimum balance, fee-free overdraft, and early access to paychecks (up to 2 days early with direct deposit).
- **Paycheck Advances (Earned Wage Access)**: Advances of up to $750 deposited directly into the Current account for qualifying members.
- **Build Card (Secured Credit Card)**: No credit check, no upfront deposit; helps members build credit history with monthly payments; managed via a single spending balance.
- **Savings Pods**: Sub-accounts that earn an annual boost up to 4.00% APY; instant transfers from spending balance.
- **Crypto Trading**: Buy/sell dozens of coins directly from spending balances with no trading fees.
- **Teen Banking (Custodial Accounts)**: Debit cards for kids with automatic allowances, instant transfers, and real-time spending alerts for parents.
- **P2P Transfers**: Send money to anyone.
- **Cash Deposits**: Available at 60,000+ participating retail locations.
- **ATM Network**: Access to 40,000+ fee-free in-network ATMs.
- **Money Management Tools**: Budgeting tools, spending insights, instant notifications.

## Market Standing
- **Valuation**: $1.5 billion (post-money, Series E, June 2026)
- **Total Funding**: $663.4M (across 10 rounds, including the Series E)
- **Annual Revenue**: Not publicly disclosed; reported 3 consecutive years of 70%+ revenue growth (as of June 2026)
- **Members**: 6+ million (as of mid-2026)
- **Notable Investors**: Springcoast Partners (led Series E), Andreessen Horowitz, Tiger Global Management, Avenir, Foundation Capital, Wellington Management, Sapphire Ventures, General Catalyst (Customer Value Fund), QED Investors, Cross River
- **Growth Signals**: 
  - Third consecutive year of >70% growth (June 2026)
  - Approaching profitability in 2026
  - Expanded credit/liquidity partnership with Cross River
  - Extended commitment from General Catalyst’s Customer Value Fund
  - Building operational scale and governance for public company readiness
  - Headcount grew 33.4% YoY to ~183 employees (LinkedIn data, 2025-2026)

## Competitive Advantages
- **Proprietary core banking technology**: Built and maintains its own core banking stack, enabling full integration of features (no silos) and direct relationships with partner banks (Choice Financial, Cross River) and Visa without intermediaries.
- **Spend-based business model**: Revenue driven primarily by interchange fees (merchant swipe fees), not deposit-based lending — a fundamentally different model from traditional banks.
- **No mandatory fees**: No annual fees, overdraft fees, or minimum balance requirements, making it accessible to low-income and underserved Americans.
- **Integrated credit building**: Secured credit card + credit score monitoring (VantageScore) tied directly to the spending account, with no separate deposit or credit check.
- **AI & cloud-native platform**: Heavy investment in AI and cloud infrastructure to deliver personalized financial experiences at scale.

## Strategic Focus
- **Product innovation**: Continued investment in AI-powered financial services, banking, payments, liquidity, and credit offerings.
- **Public market readiness**: Building the operational scale, governance, and financial profile expected of a public company; targeting profitability in 2026.
- **Member growth**: Expanding the member base beyond 6 million by deepening product adoption and entering new use cases.

## Why Work Here
- **Culture**: Mission-driven fintech focused on improving financial outcomes for everyday Americans; described as combining industry-leading technology with highly skilled talent.
- **Work environment**: Headquarters in New York, NY; hybrid/office policy not explicitly stated but roles are likely NYC-based.
- **Perks & benefits**: Competitive salary, equity, discretionary bonus program, flexible vacation policy, commuter benefits, medical/dental/vision insurance.
- **Engineering culture**: Emphasis on building proprietary core banking tech, AI/ML infrastructure, and fully integrated product experiences; strong focus on security, scalability, and innovation.
- **Recent hires from**: Varo Bank, WeWork, letgo, Deloitte, Amazon, American Express, Uber, Capital One, Morgan Stanley, JPMorganChase — indicating a high-caliber talent pool.
- **Open roles (as of mid-2026)**: Senior Software Engineer (Applied ML), Senior Business Intelligence Engineer, Senior Data Analyst, Senior Data Scientist, Director of Data Analytics, Director of Risk, Analytics Engineer, and more.

## Sources
1. [current.com/about-us](https://current.com/about-us/)
2. [current.com/careers](https://current.com/careers/)
3. [current.com](https://current.com/)
4. [LinkedIn - Current](https://www.linkedin.com/company/current)
5. [CB Insights - Current](https://www.cbinsights.com/company/current)
6. [Greenhouse - Current Careers](https://job-boards.greenhouse.io/current81)

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