Sr. Software Engineer

EDGE (www.edgescore.com) is a B2B fintech on a mission to expand credit access for consumers historically unserved and underserved by the reports and scores of traditional credit bureaus. We’re doing this with risk analytics based on complementary alternative data that reveals a more complete financial picture.

Founded in 2021, Edge is part of a larger family of fintech brands that sits underneath our parent company, NinjaHoldings (www.ninjaholding.com). NinjaHoldings’ brands also include CreditNinja, a nationwide online consumer lending business established in 2017, and NinjaCard, a neobanking platform focused on consumers in the emerging credit space.

The EDGE business is at an inflection point where we’ve proven our platform’s value with early adopters and we’re ready to go full-throttle into our target markets. Elevating every aspect of our marketing efforts is a critical element in this planned ramp-up.

Job Summary

We’re looking for a Senior Software Engineer to join our growing team at Edge, a fast-paced FinTech startup, based in Chicago, building a SaaS platform that evaluates credit risk and delivers real-time decisioning support. You’ll play a key role in designing and developing new features, refactoring legacy systems, and integrating with third-party platforms. You’ll have the chance to make a meaningful impact on a rapidly evolving platform while collaborating with a team of experienced engineers, product managers, and QA specialists.

We value engineers who have hands-on experience building systems from scratch, but also those who have had to fix and scale systems that weren’t well-architected the first time around. You’ve seen what works, what doesn’t, and you bring thoughtful design instincts earned through experience and curiosity.

Key Responsibilities:

• Design, build, and maintain software systems with scalability and maintainability in mind

• Translate product requirements into robust, usable, and elegant code

• Refactor legacy code to improve performance and reliability

• Participate in architecture discussions, code reviews, and planning

• Collaborate with stakeholders across engineering, product, and QA

• Document technical designs and client-facing integration details

• Troubleshoot production issues and support client onboarding

• Monitor system health and performance

What We Expect:

• A thoughtful engineer who balances technical quality with real-world business needs

• Strong instincts for scalable system design, with the ability to recognize both good and bad patterns

• Experience breaking down complex problems into small, iterative deliverables

• Strong communicator who can explain technical concepts clearly across teams

• Collaborative team member comfortable working cross-functionally and eager to learn

• Preference for expressive, and when possible self-documenting, code

Requirements

• 5 years of professional software engineering experience

• Experience building and maintaining third-party API integrations

• Proficiency with:

• Ruby (v3) and Rails (v6–v8)

• PostgreSQL

• JavaScript

Additional Pluses, but not requirements:

• Experience with:

• React v18, Redux v4, Redux-Saga

• ActionCable, StimulusReflex, Solid Cable/Cache/Queue

• Writing advanced SQL queries

• gRPC

• Python v3

• AWS deployment and infrastructure experience

• Integrations with bank data aggregators (e.g. Plaid, Yodlee)

• Prior FinTech startup experience

Benefits:

• Competitive salary and benefits package
• Fun, fast-paced work environment
• Dynamic start-up culture
• Ability to make an immediate impact in a growth stage company
• Convenient downtown Chicago office located in the heart of the city
• Equal opportunity employer

IMPORTANT NOTICE:
Please carefully review communications to ensure that they are from the official Breezy applicant tracking platform (@breezy-mail.com) or an official NinjaHoldings brand email: @ninjaholdings.com, @creditninja.com, @ninjacard.com, or @edgescore.com. If you have been contacted regarding a job opening at NinjaHoldings from any other email address, including similar email variations, this is NOT a trusted source. We recommend that you refrain from responding to suspicious emails and file a complaint with the FBI's Internet Crime Complaint Center (IC3) at https://www.ic3.gov. For questions or to confirm the authenticity of a communication, please email hr @ninjaholdings.com.