Staff Software Engineer, Merchant Decisioning
Company: Parafin
Location: San Francisco
Posted on: April 1, 2026
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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. We are looking for an experienced
software engineer to join the merchant decisioning team and build a
scalable platform/infrastructure that is critical for underwriting
and decisioning hundreds of thousands of businesses on a daily
basis. As part of the team, you will be working closely with Data
Science, Growth and Risk stakeholders to efficiently serve the
product initiatives that serve Parafin’s portfolio and empower
stakeholders with controls to determine Parafin’s growth and bottom
line. Are you an excellent software engineer with a drive to solve
impactful and difficult problems and eager to build the merchant
decisioning platform for an ambitious and growing startup? If so,
come join us! What You’ll Be Doing: You will own our Python-based
underwriting and application decisioning product and drive its
development. You will closely define the architecture and
underlying infrastructure all the way from the technologies we use
to the design principles that we apply. You will work closely with
our data scientists to build a platform that is reliable, scalable,
and easily iterable. You will be integrating ML Infrastructure into
the platform to make DS-driven decisioning more powerful and
intelligent. What We’re Searching For: 6 years of experience
working in an engineering role You care deeply about building
high-quality infrastructure with relevant experience and take
immense pride in your craft. You are comfortable owning and driving
the development of the product from 0 to 1. You thrive in ambiguity
and have a strong grasp of engineering fundamentals. You are
excited about working on a small team and helping us set the
foundations for the company. What We Offer: Salary Range:
$265k-$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.
Keywords: Parafin, West Sacramento , Staff Software Engineer, Merchant Decisioning, Engineering , San Francisco, California
