Principal Software Engineer (AI)

Location: San Francisco, California; hybrid with core working days Monday through Thursday in the office

Annual salary: $190,000–$240,000, plus equity and benefits.

Company

An embedded finance company providing card issuing, payment processing, program management, ledger, and wallet capabilities for digital-first organizations.

What you will do

• Build secure and compliant platform products that solve customer needs.
• Write high-quality, robustly tested production code, primarily in Java.
• Understand customer problems and translate them into effective technical solutions.
• Document software designs and implementation to support a rapidly scaling organization.
• Interface with multiple company domains to strengthen the payment platform.

Requirements

• 12+ years of experience building production software systems.
• Track record of writing scalable, performant, and maintainable code.
• Experience with Java 11 or later, JPA ORM mapping, SQL, unit testing, and integration testing.
• Proficiency with AI-powered development tools across design, prototyping, development, testing, and iteration.
• Strong customer focus and enthusiasm for shipping production software.
• Ability to work in the San Francisco hybrid arrangement, with core office days Monday through Thursday.

Nice to have

• Experience with card acquiring platforms or fintech products.
• Experience with GCP or AWS, Spring Boot, Docker, Kubernetes, BigQuery, or Redshift.
• Experience building AI agents for financial or payment platforms.
• Familiarity with LangChain, CrewAI, or AutoGen.

Culture & Benefits

• Startup environment with opportunities to build products and contribute across the organization.
• Flat structure with direct exposure to leadership and an emphasis on growth.
• Flexible paid time off and paid parental leave of up to 16 weeks for birth parents and 6 weeks for non-birth parents.
• 100% healthcare coverage and 75% dependent coverage.
• 401(k), equity, home-office stipend, and internet reimbursement.
• Geo-based compensation supported by market research and performance- and potential-based rewards.