Software Engineer - Product (Credit)

San Francisco | Full-time

We build simple yet innovative consumer products and developer APIs that shape how everybody interacts with money and the financial system.

We believe that the way people interact with their finances will drastically improve in the next few years. We’re dedicated to empowering this transformation by building the tools and experiences that thousands of developers use to create their own products. Plaid powers the tools millions of people rely on to live a healthier financial life. We work with thousands of companies like Venmo and SoFi, several of the Fortune 500, and many of the largest banks to make it easy for people to connect their financial accounts to the apps and services they want to use. Plaid’s network covers 11,000 financial institutions across the US, Canada, UK and Europe. Founded in 2013, the company is headquartered in San Francisco with offices in New York, Salt Lake City, Washington D.C., London and Amsterdam.

Product engineering teams at Plaid strive to make interacting with financial data not only better but delightful. We believe that the key to solving finance’s biggest problems lies in meeting modern user expectations.  The way we do this is by making access to the financial ecosystem dirt-simple for developers, and in doing so help developers bring unique value to consumers and businesses.

The Credit Group is responsible for building and expanding new products that create a seamless experience for both lenders and loan applicants.  Working in the Credit Group, you’ll work on products like Plaid’s new Income product and help it scale from zero-to-one, enabling a more open access to credit.  If you are interested in working closely with cross functional partners and delivering real work value by building new products, let’s chat!

We are looking for engineers who understand what it means to discover, build and iterate on scalable products that power our customers’ use cases.  This means being able to work across the entire stack when needed, collaborating with cross functional partners and setting the long-term technical direction for new products. Our engineering culture is IC-driven—we favor bottom-up ideation and empowerment of our incredibly talented team.  As a result we are looking for engineers who are excited by leading projects through setting technical direction and mentoring those around them. We are looking for engineers who are motivated by creating impact for our consumers and customers, growing together as a team, shipping the MVP, and leaving things better than we found them.

What excites you

  • Leading high risk products with real high reward impact: Your work will touch tens of millions of end-users, the best applications in FinTech, and worlds largest financial institutions
  • Working closely with cross functional partners to dig through finance’s complex challenges—and reimagining the experience completely
  • Working on both the 0 to 1 stage and the 1 to 10 stage of problems

What excites us

  •  2-4 years of industry experience building and iterating on products for top-tier teams
  • Persistent problem solvers with a consistent track record of building interesting projects
  • Production experience designing and shipping highly reliable backend systems and APIs
  • A background in startups is a plus

Plaid is proud to be an equal opportunity employer and values diversity at our company. We do not discriminate based on race, color, national origin, ethnicity, religion or religious belief, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender, gender identity, gender expression, transgender status, sexual stereotypes, age, military or veteran status, disability, or other applicable legally protected characteristics. We also consider qualified applicants with criminal histories, consistent with applicable federal, state, and local laws. Plaid is committed to providing reasonable accommodations for candidates with disabilities in our recruiting process. If you need any assistance with your application or interviews due to a disability, please let us know at
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San Francisco Office

Our headquarters is in sunny SOMA and includes a beautiful sun-filled atrium, a private outdoor deck and even a (semi-hidden) climbing wall.

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Angela Zhang - Engineering Manager

Plaid engineering manager Angela Zhang has a penchant for pushing herself to learn and grow, but she never loses track of the team or having fun in the process.

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