---
title: 'Staff Software Engineer, Merchant Platform at Parafin'
canonical: 'https://feeny.ai/job/staff-software-engineer-merchant-platform-parafin-san-francisco-8p845esycq9b'
type: 'job'
last_seen: '2026-09-09'
---

# Staff Software Engineer, Merchant Platform at Parafin

- **Company:** Parafin
- **Location:** San Francisco, CA
- **Employment:** full-time
- **Work type:** hybrid
- **Posted:** 2026-06-11
- **Last confirmed live:** 2026-09-09
- **Apply:** https://jobs.ashbyhq.com/parafin/5f8452ce-853e-4159-bc4b-08b8e9a324b3

## 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 are looking for an experienced platform-focused software engineer to join our Merchant Platform team in San Francisco to help build a scalable platform that will help power the suite of Parafin’s financial offerings. The Merchant Platform team owns the money movement infrastructure that powers all of Parafin as well as the suite of product-agnostic tools that enable product teams to delight the customers.

You will work with engineering and non-engineering stakeholders across the company to launch several new products and regularly experiment with our existing products to improve the end-user experience. You will own our core platform and help identify, prioritize, and execute on infrastructure opportunities to accelerate product development and maintain high levels of reliability.

The ideal candidate will thrive in a fast-paced environment, demonstrating strong technical fundamentals, the ability to navigate ambiguity and take ownership of projects from inception to completion.

What You’ll Be Doing:

- Design and build scalable systems that support our merchant-facing products and services.
- Develop features that enhance the merchant experience and drive engagement.
- Collaborate with cross-functional teams to deliver seamless product integrations.

What We’re Searching For:

- 6+ years of experience building and operating production backend or platform systems.
- Bachelor's Degree or higher in Computer Science (or related field)
- You care deeply about building high-quality software and take immense pride in your craft.
- You are comfortable owning and driving the development of both product and platform initiatives from scratch.
- You take the initiative to identify commonalities between different problem statements and design appropriate abstractions accordingly.
- You have a strong grasp of engineering fundamentals.
- You have experience building and operating asynchronous systems or data pipelines in production environments.
- You are excited about working on a small team and helping us set the foundations for the company.

What We Offer:

- Salary Range: $285k - $330k+
- 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

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