---
title: 'Software Engineer, Product (Co-op) at Bree'
canonical: 'https://feeny.ai/job/software-engineer-product-co-op-bree-toronto-r6f16hybhvwm'
type: 'job'
last_seen: '2026-09-11'
---

# Software Engineer, Product (Co-op) at Bree

- **Company:** Bree
- **Location:** Toronto, Canada
- **Employment:** internship
- **Work type:** hybrid
- **Posted:** 2026-09-04
- **Last confirmed live:** 2026-09-11
- **Apply:** https://jobs.ashbyhq.com/bree/17d8dd15-5f97-4003-8d6c-170dca13ff88

## Job description

## About Bree

Bree is a consumer finance platform that brings better, faster, and cheaper financial services to over half the Canadian population who live paycheck to paycheck. We operate in a huge, but overlooked market in a country with the least amount of financial technology innovation in the developed world. Our first act is to become the cheapest and best provider of short-term credit to the 20 million people in Canada who live paycheck to paycheck. More than 800,000 Canadians have already signed up with Bree and we believe we are just scratching the surface. We are in an exciting place where we have product market fit, explosive growth, and a clear path to becoming one of the most important FinTechs in Canada.

## About the Role

We’re looking for a Product Engineering Co-op to work on real customer-facing features across our backend and mobile apps. You’ll partner with engineers, Product, Design, and CX to understand the problem, build a scoped solution, test it carefully, and learn from the outcome after release. This is an 8-month co-op term. (January - August 2027) At Bree, co-ops are full members of the Engineering team. You’ll work on the same customer and business problems as full-time engineers, ship real production work, and take part in design discussions, code reviews, testing, and releases. We pair that responsibility with close mentorship, clear context, and projects scoped for you to make a meaningful impact from day one.

## What You'll Do

- Build full-stack features with mentorship, from understanding the problem through implementation, testing, and release.
- Work across TypeScript and Node.js backend services and React Native frontends, with support from the team as you learn the stack.
- Use AI development tools to move faster, while validating the code and user experience before it ships.
- Collaborate with Design, Product, and CX on customer-facing improvements, then help review feedback after release.

## What You'll Need

- Currently enrolled in a Computer Science, Software Engineering, or related post-secondary programme, and available for the full 8-month term.
- Experience building software through coursework, personal projects, internships, open source, or student teams. A GitHub profile or portfolio is welcome.
- Foundational experience with JavaScript or TypeScript and interest in learning Node.js, React, React Native, or APIs.
- Basic comfort with Git, debugging, and testing. Experience with AWS or serverless systems is helpful, but not required.
- An interest in product thinking: you are curious about users, can explain tradeoffs, and want to understand why a feature matters.
- Clear communication, humility, and a willingness to learn in a fast-moving, collaborative environment.
- A thoughtful approach to using AI: speed matters, but you take ownership for reviewing, testing, and improving what you ship.

## Nice To Have

- Exposure to mobile app development, React Native, or release workflows.
- Exposure to logging, performance debugging, or analytics.
- Interest in experiments, event tracking, or simple A/B tests to validate features.
- Contributions to OSS or public write-ups about projects you’ve shipped.

## Benefits

- Compensation: $50-$70/hour CAD, based on experience and interview performance
- Offer Matching: We're open to matching competing offers
- Perks: $250 monthly lunch stipend, $150 monthly transportation stipend to help with commuting to the office, in-office amenities
- Impact: Work on real production features, with mentorship and review from experienced engineers.
- Growth: Regular mentorship, feedback, and opportunities to learn from engineers across the team.
- Path to Full-Time: Opportunity for new grad full-time employment offer

Location: 2 Bloor St W, Unit 2602, Toronto ON, M4W 3E2 (Subway connected directly to the Yonge/Bloor subway station) Hybrid schedule. In-office days are Monday, Wednesday, and Thursday — we also throw in free lunch if you come in on Tuesdays and Fridays.

- We'll be fully remote in January and most of February, move to 1 day in-office through March, then return to 3 days in-office starting April 2027.

## About Bree

## Company Overview
- **One-liner**: Bree is a Canadian consumer finance platform that provides interest‑free cash advances (up to $750) along with a budgeting tool and financial wellness content to help people avoid overdraft fees.
- **Entity Type**: Private (backed by Y Combinator S21; venture‑funded)
- **Headquarters**: Toronto, Ontario, Canada (also offices in Vancouver, BC; United States; Philippines; Vietnam)
- **Founded**: 2021
- **Founders**: Adam Kang and Alexander Li

## Core Business
- **Primary industry**: Consumer finance / Fintech
- **Target customers**: B2C – Canadians living paycheck‑to‑paycheck, especially those at risk of overdraft
- **Mission/purpose statement**: “To help Canadians move towards financial wellness” with no interest, no mandatory fees, and a community‑supported model.

## Products & Services
- **Cash Advance (Flagship)**: Interest‑free cash advances from $20 up to $750, with 0% APR. No mandatory fees or interest; users choose an optional tip. Repayment is triggered on the next payday (minimum 1 day, maximum 90 days). Offers overdraft protection.
- **Budgeting Tool**: Included in the optional monthly membership ($2.99/month after a 1‑month free trial). Provides financial insights and spending tracking.
- **Weekly Newsletter**: Financial wellness content sent to subscribers.

## Market Standing
- **Valuation / Market Cap**: Not disclosed (private company)
- **Key Metric**: Over 400,000 consumers have signed up since 2021 (source: LinkedIn)
- **Notable Investors/Partners**: Y Combinator (S21 batch), plus other venture capital firms and angel investors.
- **Growth Signals**: Headcount grew 54.2% YoY to 31 employees (LinkedIn). Active job postings increased 140% year‑over‑year. Expanding into new roles across engineering, product, and operations.

## Competitive Advantages
- **No‑interest, no‑fee model**: Differentiates from payday lenders and traditional overdraft services. Users only tip if they choose, keeping the service affordable.
- **Community‑supported ethos**: “Pay it forward” culture – tips from users keep the service running, aligning incentives with customer well‑being.
- **Simple, fast access**: Sign up and get approved in minutes; integrated with payroll for automatic repayment.
- **Strong early traction**: 400,000+ users in a large addressable market (20M+ Canadians living paycheck‑to‑paycheck).

## Strategic Focus
- **Product expansion**: Bree positions itself as “Chime for Canada” – aiming to become a full‑service digital banking alternative. Current hiring includes ML engineers for underwriting and product managers for new features.
- **Growth**: Scaling engineering and AI capabilities (e.g., Machine Learning Engineer, Underwriting) to improve credit decisioning and personalisation.
- **Geographic reach**: Currently Canada‑focused but has remote teams in the US, Philippines, and Vietnam, suggesting interest in global talent and possibly future international expansion.

## Why Work Here
- **Culture & mission**: “Customer First” and “Trust” are core values. The company aims to replace predatory payday loans with a fair, transparent service.
- **Engineering environment**: Tech stack includes modern tools (React Native, Python, Kubernetes, AWS, Snowflake, PyTorch). Teams are cross‑functional and agile.
- **Growth opportunity**: Rapid headcount growth (54% YoY) and a startup stage (Series unknown, but YC‑backed) means employees can have outsized impact.
- **Work policy**: Hybrid/remote options – roles are listed as remote (US/Canada) or Toronto/ Vancouver. Flexible working arrangements.
- **Compensation**: Salaries for engineering roles range from roughly $130K–$230K CAD (per YC job listings), competitive for Canadian fintech.
- **Benefits**: Optional $2.99/month membership for premium budgeting features; otherwise no mandatory fees. Perks mentioned: free trial, community support model.

## Sources
1. [trybree.com](https://www.trybree.com/)
2. [trybree.com/about](https://www.trybree.com/about)
3. [linkedin.com/company/breetechnologies](https://ca.linkedin.com/company/breetechnologies)
4. [ycombinator.com/companies/bree/jobs](https://www.ycombinator.com/companies/bree/jobs)
5. [ashbyhq.com/bree](https://jobs.ashbyhq.com/bree)

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