--- title: 'Sr. Software Engineer, Product Engineering at Betterment' canonical: 'https://feeny.ai/job/sr-software-engineer-product-engineering-betterment-new-york-f14s6txdyd05' type: 'job' last_seen: '2026-11-09' --- # Sr. Software Engineer, Product Engineering at Betterment - **Company:** Betterment - **Location:** New York, NY - **Posted:** 2026-11-06 - **Last confirmed live:** 2026-11-09 - **Apply:** https://www.betterment.com/careers/current-openings/job?gh_jid=8353019&gh_jid=8353019 ## Job description ## About Betterment [Betterment](http://www.betterment.com/) is a leading, technology-driven financial services company that offers investing, savings and retirement solutions for retail investors and investment advisors as well as financial wellness solutions, including a 401(k) for small and medium-sized businesses. Our team is passionate about our mission, to empower people to build wealth with confidence and ease.  We’re headquartered in NYC and offer hybrid NY-based positions (four days/ week in-office, with no required office days during the summer and winter holidays). ## About the role The Product Engineering teams at Betterment build the applications our customers use when they are logged in to their Betterment accounts. We are looking for Senior Full Stack Engineers to join us in furthering our mission to make people’s lives better by providing delightful experiences that have been Betterment’s hallmark since inception. Our software guides customers through the most important life events in their financial journey. Whether it’s saving to buy a house or planning for retirement, hundreds of thousands of people rely on us to invest and save their money. If you are passionate about financial wellness and are driven to solve complex problems that make saving and investing simple, this role is for you. As a Senior Full-Stack Engineer, you’ll work collaboratively with our Mobile, Product, and Design functions to guide and delight our customers on their financial journey. This role is based out of our NYC office. Below we've reflected the base salary range for this position. Actual salaries may vary depending on factors including but not limited to location, experience, and performance. The range listed is just one component of Betterment’s total compensation package for employees. - New York City: $170000 - $195000 This job may also be eligible for variable compensation in the form of a company incentive bonus. A day in the life - Lead medium-to-large scale initiatives, partnering with teammates and adhering to software development best practices in order to ship high quality software continuously and iteratively. - Collaborate with our Product & Design teams to build delightful experiences that help our customers save and invest. - Balance innovation with the need to maintain application performance and security. - Hands-on experience using AI coding tools in production work, with the judgment to know when to lean on them, when to verify closely, and when to write it yourself. - Maintain a high bar of excellence in your work quality, setting an example for and mentoring less experienced Engineers to do the same. - Create efficiency. Our software helps customers save time and money. We maintain it through clean code, rigorous testing and pragmatic programming - Collaborate with purpose. You’ll work in small groups with other talented Engineers and figure out how to make Betterment’s software better. - Contribute to an environment of open communication, where engineers feel empowered to share ideas and take initiative to solve problems that contribute to achieving company objectives. ## What we’re looking for - Strong experience in object-oriented programming; Ruby on Rails is preferred. Experience with Java, Python, C#, or Node.js is welcomed. - Proficiency in building frontend applications using React.js or a similar framework - Experience building APIs using GraphQL. - Proficiency with relational databases, including designing schemas and writing detailed SQL queries. - A strong command of fundamental algorithms and data structures. - Proven ability to lead and manage projects that span one or more teams, considering tradeoffs to ensuring on-time delivery while maintaining high standards of quality, performance and security. - Passion for building delightful front end interfaces and components. - Passion for ongoing learning and knowledge-sharing. - Adept at approaching complex engineering challenges with innovative and unconventional solutions. Join a team built on these core values We change lives Be a part of a community of innovators working to transform financial outcomes for real people. Your work will make an impact, always laddering up to our mission; to empower people to build wealth with confidence and ease. We set audacious goals We set them for the company, our customers, and ourselves, and we won’t stop until we reach them. We don’t just show up; we give our all, then celebrate our wins. We value all perspectives When we collaborate, we're at our best. We believe diverse perspectives lead to better outcomes and strive to uphold our supportive and inclusive community. We simplify financial services We’re financial services pioneers, always finding new ways to improve, optimize, and enhance. Constant improvement is in our DNA. Our Commitment to Your Total Well-being: - We offer a competitive suite of benefits, including medical, dental, and vision coverage; life and AD&D insurance; short- and long-term disability; infertility support and WPATH-aligned transgender health benefits; an Employee Assistance Program (EAP); transit benefits and FSA and HSA options - Ownership: Equity for all employees, including new hire and refresher grants. - Time: Flexible paid time off, paid parental leave, and a fully paid four-week sabbatical in your sixth year. - Growth: Company-paid professional coaching for all employees. - Wealth: Day-one 401(k) match plus matching on qualified student loan payments. What happens next We’ll take a few weeks to review all applications. If we’d like to spend more time with you, we’ll reach out to arrange next steps, which will include 3-4 sets of meetings with your future colleagues. In the interview process, we’ll look to learn more about your skills, experiences, capabilities, and motivators. Many of our questions will be aimed at understanding how you might operate here at Betterment. Depending on the role, we may ask you to complete a case study exercise or technical assessments, as we want to collect a robust set of data points to better inform our decisions. On average, it takes us around 3-5 weeks to make a hiring decision, depending on your availability and sense of urgency. As a best practice, we aim to interview at least 2-3 final round candidates before making a hiring decision. Please note that, as we usually receive an overwhelming number of  applications for open positions, we’re unable to offer individual feedback during the interview process. We recognize that interviewing for a new role is a big deal. We appreciate you considering Betterment as the next step in your career, and our Recruiting Team is here to support and advocate for you through the interview process! Betterment is dedicated to providing accommodations to candidates upon request. If you need accommodations at any point throughout the interview process, please reach out to your recruiter. Please note that in any materials you submit, you may redact or remove age-identifying information such as age, date of birth, or dates of school attendance or graduation. You will not be penalized for redacting or removing this information. Come join us! We’re an equal opportunity employer and comply with all applicable federal, state, and local fair employment practices laws. We strictly prohibit and do not tolerate discrimination against employees, applicants, or any other covered persons because of race, color, religion, creed, national origin or ancestry, ethnicity, sex, gender (including gender nonconformity and status as a transgender or transsexual individual), sexual orientation, marital status, age, physical or mental disability, citizenship, past, current or prospective service in the uniformed services, predisposing genetic characteristic, domestic violence victim status, arrest records, or any other characteristic protected under applicable federal, state or local law. ## About Betterment ## Company Overview - **One-liner**: Betterment is a digital investment advisory and financial services company that provides automated investing, retirement planning, cash management, and 401(k) solutions for individuals and businesses. - **Entity Type**: Private (venture-backed) - **Headquarters**: New York City, New York, USA - **Founded**: 2010 - **Founders**: Jon Stein, Eli Broverman ## Core Business - **Primary Industry**: Financial Services / Fintech (digital wealth management, robo-advisory) - **Target Customers**: B2C (individual investors, savers) and B2B (small-to-midsize businesses for 401(k) plans; independent RIAs for custodial services) - **Mission**: “Empower people to build wealth with confidence and ease.” ## Products & Services - **Betterment Investing**: Automated, goal-based investment portfolios (stocks, bonds, ETFs) with tax-loss harvesting and rebalancing. Type: Robo-advisor / SaaS. - **Betterment Cash Management**: High-yield checking and savings accounts with no fees and FDIC insurance. Type: Fintech / Banking. - **Betterment 401(k) (Betterment at Work)**: Full-service 401(k) plan for growing businesses, including plan design, employee education, and compliance. Type: B2B SaaS + Service. - **Betterment for Advisors**: Custodial and technology platform for independent Registered Investment Advisors (RIAs). Type: B2B platform. - **Betterment Retirement**: Traditional and Roth IRA accounts, plus rollover guidance. Type: Investment service. ## Market Standing - **Valuation**: Not publicly available (last reported valuation of $1.3B in 2021 Series F – conflicting reports, no recent disclosure) - **Key Metric**: $70B+ in assets under management (AUM) as of 2025; over 1 million customers; 4.8-star rating on App Store/Google Play - **Notable Investors/Partners**: Not disclosed in search results (historical investors include T. Rowe Price, Kinnevik, Bessemer Venture Partners) - **Growth Signals**: Headcount of ~5,173 employees (up 12.3% year-over-year); continuous expansion into banking and RIA services; active hiring across engineering, product, and marketing. ## Competitive Advantages - **Pioneer in robo-advisory**: First-mover advantage with a strong brand and trust among digital-native investors. - **Comprehensive product suite**: Combines investing, banking, and retirement in one platform – a one-stop shop for personal finance. - **Low-cost, transparent fee structure**: No management fees for cash accounts; competitive advisory fees. - **Regulatory compliance**: SEC-registered investment advisor and broker-dealer, FINRA member – strong governance and security. - **Technology-driven personalization**: Tax-loss harvesting, goal-based planning, and automated rebalancing powered by proprietary algorithms. ## Strategic Focus - **Expand banking services**: Grow Betterment Checking and Savings to attract more deposits and deepen customer relationships. - **Scale Betterment at Work**: Capture more of the small-business 401(k) market with integrated employee benefits. - **Invest in AI & automation**: Head of Applied AI role signals focus on using machine learning to improve advice, risk management, and customer experience. - **Serve independent RIAs**: Grow Betterment for Advisors as a tech-enabled custodian to compete with Schwab, Fidelity, and others. ## Why Work Here - **Culture**: In-person, collaborative environment in New York City HQ, with no required office days during summer and winter holidays. Strong emphasis on inclusion with seven Employee Resource Groups. - **Benefits** (from careers page): - Flexible time off, paid parental leave for all parents, four-week sabbatical in year six. - 401(k) match from day one (including student loan matching), zero management fees. - Comprehensive medical, dental, vision; One Medical membership; fertility and LGBTQIA+ transition support. - Equity for all employees (new hire, performance, and refresher grants). - Free professional coaching, learning stipend, and continuous development programs. - Chef-prepared lunches, guest speakers, company gatherings, and heritage celebrations. - **Engineering Culture**: Strong focus on building reliable, scalable financial systems. Many senior engineering roles open (Staff, Engineering Manager, Security). Emphasis on “play to win” and “make an impact” values. - **Work Policy**: Primarily in-office with flexibility – no required days during summer/winter holidays. Some remote roles available (e.g., CX Automation Performance Analyst). ## Sources 1. [betterment.com/careers](https://www.betterment.com/careers) 2. [betterment.com/about](https://www.betterment.com/about) 3. [linkedin.com/company/betterment](https://www.linkedin.com/company/betterment) 4. [boards.greenhouse.io/betterment](https://boards.greenhouse.io/embed/job_app?token=6209414%3Fgh_jid%3D6209414) ## Other roles at Betterment - [Mobile Engineer](https://feeny.ai/job/mobile-engineer-betterment-new-york-j6x08n6chvj6) — New York, NY - [Compliance Associate](https://feeny.ai/job/compliance-associate-betterment-new-york-ap523jj5tys2) — New York, NY - [Director, Brand Design](https://feeny.ai/job/director-brand-design-betterment-new-york-yht12x3wr5ej) — New York, NY - [Sr. Director, People Operations & Total Rewards](https://feeny.ai/job/sr-director-people-operations-total-rewards-betterment-new-york-sr03zg47a0mj) — New York, NY - [Sr. Manager, Analytics Engineering](https://feeny.ai/job/sr-manager-analytics-engineering-betterment-new-york-vm8mmd20weg0) — New York, NY - [Product Designer](https://feeny.ai/job/product-designer-betterment-new-york-5cbbrf753akq) — New York, NY - [Sr. Engineering Manager, Advisor Solutions](https://feeny.ai/job/sr-engineering-manager-advisor-solutions-betterment-new-york-41kzqgaj68w2) — New York, NY - [B2C Acquisition Marketing Manager](https://feeny.ai/job/b2c-acquisition-marketing-manager-betterment-new-york-0x0t26dvnzzw) — New York, NY - [Sr. Information Security Analyst](https://feeny.ai/job/sr-information-security-analyst-betterment-new-york-17ghj82fh0ag) — New York, NY - [Senior Product Manager, Marketing Enablement](https://feeny.ai/job/senior-product-manager-marketing-enablement-betterment-new-york-q22cs0qm1pnc) — New York, NY