Senior Software Engineer, Crypto Lending

Who we are:

Cross River is a highly profitable fast-growing financial technology company that helps clients to deliver financial solutions that empower consumers anytime, everywhere. We are on a mission to build the infrastructure that propels access, inclusion, and the democratization of financial services.

We are backed by Andreessen Horowitz, Battery Ventures, Ribbit Capital; our partners include companies such as Affirm, Stripe, Coinbase, and many others. We have over 800 employees, originated over $55B in loans, and supported 480K small businesses through the recent paycheck protection program. We have been recognized for the fourth year in a row by CB Insights as one of the 250 best global FinTech.

We are now committed to build products for companies who want to bring crypto to the next 1B people: we are uniquely positioned to succeed because of our technology, experience, and strong relationships with market participants and regulators.

Cross River offers amongst the best benefits in the industry: Family Medical Plans with minimal outlay to the employee, generous time off, matching 401K, pre-IPO equity, flexible and hybrid work culture, a shuttle from Manhattan to the office, and many more perks and amenities

What we are looking for:

Crypto Lending is an innovative product that allows exchanges, asset managers, fintech apps, etc. to borrow capital against their crypto holdings. Crypto holders are currently underserved as very few regulated entities accept crypto assets as collateral. We think it’s our mission to bridge this gap and we want to do so by building back and front end products for our borrowers.

The ideal candidate has financial product experience and a passion for innovation. You will be at the forefront of field development in delivering our crypto products, working closely with our capital markets team on business-driven development.

You will join an exciting, newly formed, crypto team that deeply cares about growing with people who question assumptions, have strong judgement, execute fast, take ownership, act responsibly, help the team advance and improve its standards. You will design & develop software from ground up and be part of making those decisions and trade-offs.

You can learn more about our culture and the interview process here.

You will:

• Build both back-end and front-end stack from the ground up: you will build the underlying mechanism that regulates the loan LTV and manages funds


• Build APIs that expose these logics both internally and externally. Efforts are mainly focused on building this to support large scale solution.


• Build front-end tools on top of our APIs that our clients will use to request a new loan, open a new wallet, transfer funds, etc.


• Manage a cross-functional team of engineers, QA and also work with product managers, business operations, and project managers.

Responsibilities:

• Develop products and features for our new crypto offering from ground-up


• Work closely with our Product and Design teams to define feature specifications


• Define and build products for internal and external business customers


• Set directions and goals for the team regarding project impact, product quality, and engineering efficiency


• Facilitate new team members onboarding and provide mentorship

Minimum qualifications:

• 5+ yrs developing backed REST API services using Node.js, GoLang or Java


• Understanding of distributed cloud and microservices architecture, k8s


• Deep understanding of modern security best practices


• Experience with event driven architecture


• Experience with GCP/AWS - specifically Cloud Computing, API Gateways, k8s etc.


• Experience with NoSQL (MongoDB, Cassandra, Redis) and SQL (Postgres, MySQL, MS SQL)


• Worked on any messaging systems like RabbitMQ or Kafka


• Ability to breakdown and articulate solutions to complex problems


• Knack for writing clean, readable, maintainable, and reusable code


• Desire to be involved in product definition


• Strong sense of urgency in a professional setting

Bonus:

• Experience building front end with React or Angular JS


• Experience building Margin/Lending/Origination products before


• Experience deploying microservices to k8s


• Experience building successful business products in fintech or crypto


• Experience building and managing a team


• Experience working as DevOps when needed

Cross River is an Equal Opportunity Employer. Cross River does not discriminate on the basis of race, religion, color, sex, gender identity, sexual orientation, age, non-disqualifying physical or mental disability, national origin, veteran status or any other basis covered by appropriate law. All employment is decided on the basis of qualifications, merit, and business need.