NinjaHoldings

Role Description As a Staff Engineer, you will create the technical strategy for key systems in the platform taking into account our growth in business and our growth in the Engineering department. You'll ensure our platform scales and is easily extensible given our long term business roadmap. You'll lead through analysis, design, and collaboration. Equally important, you are a doer. Someone who remains technical because you stay hands on writing code, building tools, or setting up infrastructure when necessary. You may work in the following Platform Domains; each domain is composed of multiple systems: - Customer Communication - how we communicate with our customers & potential customers (e.g., email, SMS, snail mail) - Identity - managing customer and potential customer information - Decisions - Decision systems for bidding on marketing leads and automatically making underwriting decisions - Portfolio Management - Systems responsible for managing the life cycle of our lending and banking products such as integrations to external payment processing systems What You'll Work On: - Provide architectural leadership across a number of interdependent engineering teams, systems, business departments. - Connect multiple independent systems to provide discoverable, visible, and clean customer data across marketing, operations, analytics, and product teams. - Partner with business stakeholders to improve the tech stack for all the business needs, including but not limited to: data governance, reporting, and site performance analytics. - Level up your teammates' technical design and Ruby on Rails skillset. - Contribute to architecture design and code reviews for all key application functional components. - Provide critical thinking, technical innovation and attention to detail when serving as a trusted advisor and mentor to your team. - Support QA, verification and validation activities to ensure system quality, functionality and performance. Qualifications - 10+ years of experience in software development with a focus on designing systems architecture, which includes hands on experience writing code or building infrastructure. - 8+ years of experience in Ruby on Rails. - Demonstrated experience contributing in an Agile and TDD work environment building SaaS applications in the cloud (AWS). - You have led projects from inception to completion and have mentored other engineers. - You have an understanding of building modern web apps at scale. - You have built well-documented APIs and third-party integrations. - Deep understanding of API design and best practices. - Data driven, analytical, strong communicator, who understands the big picture, but understands the importance of every detail. - Natural problem solver who from the why, and uses first principles to get to a meaningful what and how. Requirements - Experience in fintech and lending a big plus. - You enjoy working at growth stage companies and building systems from the ground up. - Exceptional leader with ownership mentality. Benefits - Competitive salary and benefits package. - Flexible, remote work. - 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.

• Design, implement, and thoroughly test changes to the customer acquisition and underwriting decision engines to optimize origination volume and loan performance • Write and maintain a suite of unit and regression test cases to ensure the accuracy of changes to the customer acquisition and underwriting decision engines • Monitor performance of the decision engines • Establish decision performance metrics and develop automated reporting and alerting using SQL and Python • Collaborate with cross-functional teams to implement marketing or underwriting strategy changes, monitor releases, and perform impact analysis • Communicate concise and actionable business strategy recommendations to senior management

• Manage and prioritize strategic projects in partnership with the Risk team, ensuring alignment with key business outcomes. • Support the technical design and implementation of decisioning models and platforms, working closely with Risk, Engineering and other PMs. • Translate and clarify technical requirements to ensure readiness for development. • Regularly attend department and product level meetings to remain aware of how Risk and other departments’ efforts may impact the overall roadmap and company goals. • Work closely with Marketing, Compliance, Bank Partnerships, Legal, and Engineering to ensure alignment across teams. • Use data to evaluate and communicate project impact, make informed trade-offs, and guide decision-making at the department level. • Be the nexus of understanding regarding "how the products work" from the perspective of Risk, Marketing, Engineering, Compliance and Call Center.

• Design, develop, and maintain financial software applications using Ruby on Rails, React, PostgreSQL, Bash, Kafka, Docker, and Redis • Work with databases to model financial data, maintain transaction accuracy, and implement auditing mechanisms • Integrate with credit reporting agencies to retrieve and evaluate credit history • Build APIs and services to support customer onboarding, identity verification, and loan approval workflows • Collaborate with compliance officers and product managers to translate regulatory requirements into technical solutions • Participate in deployment and system operations using AWS, Docker, Kserve, and CI/CD pipelines • Integrate with external loan management systems to synchronize loan origination, servicing, and repayment data • Integrate with external decisioning services to automate credit approval, risk scoring, and compliance checks

• Design, develop or modify software and/or software systems and also taking the service architecture into consideration • Analyze user needs to determine how software should be built or if existing software should be modified • Translate business requirements and specifications into usable and scalable software • Lead design and code reviews • Participate in discussions about the team’s future vision and strategy

NinjaHoldings was founded in 2017 by a team seeking to revolutionize the way everyday Americans interact with financial services. Through our CreditNinja and NinjaCard brands, we empower people overlooked by traditional financial institutions to take control of their finances via a full suite of digital banking and lending products, providing incentives and rewards along the way as we guide them on a path to financial improvement. Through our EDGE brand, we help companies better understand their customers by offering a package of bespoke underwriting, fraud detection, and analytics services. With offices in Chicago, Miami, and around the world through the power of remote work, we are a lean and innovative team always seeking like-minded talent to join us in our fight to disrupt consumer finance. Job Summary As a Staff Engineer you’ll create the technical strategy for key systems in the platform taking into account our growth in business and our growth in the Engineering department. You’ll ensure our platform scales and is easily extensible given our long term business roadmap. You’ll lead through analysis, design, and collaboration. Equally important, you are a doer. Someone who remains technical because you stay hands on writing code, building tools, or setting up infrastructure when necessary. You may work in the following Platform Domains; each domain is composed of multiple systems: - Customer Communication - how we communicate with our customers & potential customers. I.e. email, sms, snail mail - Identity - managing customer and potential customer information - Decisions - Decision systems for bidding on marketing leads and automatically making underwriting decisions. - Portfolio Management - Systems responsible for managing the life cycle of our lending and banking products such as integrations to external payment processing systems. Key Responsibilities: - Provide architectural leadership across a number of interdependent engineering teams, systems, business departments. - Connect multiple independent systems to provide discoverable, visible, and clean customer data across marketing, operations, analytics, and product teams - Partner with business stakeholders to improve the tech stack for all the business needs, including but not limited to: data governance, reporting, and site performance analytics - Level up your teammates’ technical design and Ruby on Rails skillset - Contribute to architecture design and code reviews for all key application functional components - Provide critical thinking, technical innovation and attention to detail when serving as a trusted advisor and mentor to your team - Support QA, verification and validation activities to ensure system quality, functionality and performance - Code new features - Code bug fixes alongside your team when needed Ideal Candidate Will Have: - 10+ years of experience in software development with a focus on designing systems architecture, which includes hands on experience writing code or building infrastructure. - 8+ years of experience in Ruby on Rails - Demonstrated experience contributing in an Agile and TDD work environment building SaaS applications in the cloud (AWS) - Experience leading projects from inception to completion and have mentored other engineers - Solid understanding of building modern web apps at scale - Experience in building well-documented API's and third-party integrations - Deep understanding of API design and best practices - Data driven, analytical, strong communicator, who understands the big picture, but understands the importance of every detail - Natural problem solver who starts from the why, and uses first principles to get to a meaningful what and how Additional Pluses: - Experience in fintech and lending a big plus - You enjoy working at growth stage companies and building systems from the ground up - Exceptional leader with ownership mentality Benefits: - Competitive salary and benefits package - Flexible, remote work - Fun, fast-paced work environment - Dynamic start-up culture - Convenient downtown Chicago office located in the heart of the city - Equal opportunity employer Applicants must be legally authorized to work in the U.S. without the need for current or future visa sponsorship. IMPORTANT NOTICE: Please carefully review communications to ensure that they are from the official Breezy applicant tracking platform (@ninjaholdings.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.

• Designing and implementing new features and functionality • Establishing and guiding the website's architecture • Ensuring high-performance and availability, and managing all technical aspects of the CMS • Helping formulate an effective, responsive design and turning it into a working theme and plugin

• Own and manage the Compliance Program • Build Jira space, which serves as the central PM and coordination space for compliance and legal initiatives, ensuring work is routed to the correct Jira space and tracked appropriately • Intake and prioritize initiatives originating from Compliance and Legal, own cross-functional Epics and drive them from definition through completion • Translate compliance and legal requirements into clear execution plans • Coordinate execution across Compliance, Legal, Product, Engineering, Operations, and external partners • Ensure required legal and bank reviews and approvals are obtained, documented, and tracked • Identify risks, dependencies, and blockers early and escalate when needed • Provide clear status updates and delivery visibility to Compliance and Legal leadership and ensure initiatives close with proper validation, approvals, and evidence retained

• Own and drive the company's external audit, examination, and due diligence programs end to end • Ensure the organization is consistently audit-ready, responsive to regulators, banks, and third parties • Produce accurate, complete, and timely evidence with confidence • Report through Compliance and partner closely with Legal, working with Security, Engineering, Data, Operations, and Product teams • Execute, coordinate, and maintain program integrity for all external reviews and regulatory obligations • Manage audit and exam timelines, requests, responses, and follow-ups • Coordinate internal teams to gather, review, and submit accurate evidence • Track findings, management responses, remediation commitments, and validation • Own responses to bank due diligence requests, partner and third-party questionnaires, and ongoing monitoring requests • Design and execute an audit-ready Compliance Management System (CMS)

• Supervise junior members of the data engineering team. Guiding, planning, and reviewing the team's work • Create and maintain optimal data pipeline architecture • Assemble large, complex data sets that meet functional / non-functional business requirements • Extend our machine learning platform by designing tools that interface with cloud services, our current code base, and provide new flexibility in model building • Build the infrastructure required for optimal extraction, transformation, and loading of data from a wide variety of data sources using SQL, Python, and AWS • Build analytics tools to provide actionable insights into key business performance metrics, as well as supporting the needs of the analytics team • Create data-handling tools for analytics and data scientist team members that assist them in building and optimizing our decision-making process