At Nova Credit, our mission is to power a more fair and inclusive financial system for the world. We are on our way to accomplishing this mission by rewiring the financial industry with better credit infrastructure, analytics, and workflows, enabling more people to access credit opportunities. Our cross-border credit product, Credit Passport®, cash flow underwriting product, Cash Atlas™, and income verification product, Income Navigator, are trusted by leading organizations like American Express, Verizon, HSBC, SoFi, Scotiabank, and Yardi to help them reach valuable new applicants from traditionally credit excluded populations. With support from investors Canapi Ventures, Kleiner Perkins, General Catalyst, and Index Ventures, as well as industry veterans from Goldman Sachs, JP Morgan, and Citi, Nova Credit is revolutionizing the way lending is done.This role will report directly to the Senior Engineering Manager of the Cash Atlas™ team.Remote candidates anywhere in the contiguous U.S. are welcome to apply.For a more in-depth look at our engineering culture, check out our page onKey Values!RESPONSIBILITIES:Play a lead role in every major facet of engineering (e.g., architecture, best practices, technical vision) Own major technical initiatives for the Cash Platform team and across the engineering organizationWork closely with stakeholders to scope out technical projects and delegate large projects across the organizationActively lead in standard engineering activities like technical design, code reviews, on-call support, documentation, and sprint ceremonies.Mentor engineers from junior to seniorCollaborate with product and data science teams to evolve our ML-based cashflow data platform, powering our "income navigator" and "cashflow underwriting" products.Collaborate with the data scientists to productionalize research models; this may include supplementing research-driven models with additional considerations such as unit processing efficiency, batch efficiency, and parallel computing use cases.Contribute to data observability strategy and implementation Develop quality controls around our ML-powered services to ensure model effectivenessDevise and drive tooling and framework improvements to improve R&D outcomesREQUIREMENTS:8+ years of software engineering experience3+ years driving large multi-team software projects from problem statement to ongoing maintenance5+ years experience with databases, data warehouses, or data lakes; strong SQL skillsAdvanced experience and knowledge of data engineering tools like Spark, Hadoop, Pandas, or AirflowExperience leveraging common observability tools like Grafana, Kibana, or DatadogProficient in Python; experience writing idiomatic (Pythonic) code and building Python-based web applications (Flask, FastAPI, Django)Knowledge of numerical libraries (numpy, pandas, SciPy, polars, etc.)Ability to design sound, highly performant solutions in AWS; articulate design decisions and tradeoffs well.Strong grasp of existing and emerging software testing methodsCurious, self-driven, and eager to learnSAMPLE PROJECTS:Build a unified data platform capable of seamlessly processing financial data payloads like bank accounts/transactions, payroll information, or OCR-driven financial document extractions.Design an event-based system for monitoring production ML modelsSet and drive observability best practices and standards to support stakeholder decision-making and operational use cases.Design and drive the build of an internal MLOps platform to accelerate R&D cycle times and enhance monitoring.Pair with data scientists to write state-of-the-art quantitative cashflow models using computing frameworks like PySpark, Dask, Ray, or Polars.Measure & optimize data pipeline latency to shorten overall response timesYOU SHOULD ESPECIALLY APPLY IF:You want to have a significant impact on your next companyYou feel comfortable tackling big ambiguous problems and delegating in a multi-team settingYou go the extra mile not just in your work but in your review of others' workYou're quick to take the lead when conversations and projects get stuckExposure to MLOps (e.g., MLflow, Sagemaker, Databricks)Experience with banking data or fintech experience$216,000 - $264,000 a yearThe Base Salary Range is for U.S.-based candidates and is dependent on individual experience, skills, education, location, and qualifications.We consider all elements of compensation to be a part of the value we provide to Novans. This may include base salary, equity grants, incentive compensation for eligible roles, professional development, flexible PTO, and tenure rewards. We offer U.S.-based Novans competitive, employer-subsidized medical, dental, and vision plans, in addition to mental health and wellness benefits and a range of other benefits & perks.Everyone is welcome at Nova Credit. We are an equal opportunity employer where our diversity and inclusion are central pillars to our company strategy. We look for applicants who understand, embrace and thrive in a multicultural and increasingly globalized world. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.
