Full-Time

Software Engineer 1

Updated on 6/2/2026

Snap Finance

Snap Finance

1,001-5,000 employees

Point-of-sale financing for consumers

No salary listed

Arizona, USA

In Person

Category
Software Engineering
Required Skills
Agile
Python
React.js
OpenShift
Java
Docker
AWS
REST APIs
AngularJS
Requirements
  • Bachelor’s degree in Computer Science or related technical field
  • 1+ years of software engineering experience with 2+ years leading engineering teams
  • Strong expertise in Java, Python, or Node.js
  • Experience building enterprise-grade applications in lending, payments, fintech, or related industries
  • Strong understanding of backend architecture, APIs, and microservices
  • Experience with frontend technologies such as Angular or React
  • Hands-on experience with AWS, Docker, OpenShift, and EC2
  • Experience building secure applications and secure development practices
  • Strong understanding of web technologies and integration patterns
  • Experience working in Agile environments; SAFe preferred
Responsibilities
  • Lead the development and delivery of scalable, fault-tolerant backend services and enterprise-grade applications
  • Manage and mentor multi-disciplinary software engineering teams while fostering a collaborative engineering culture
  • Drive technical design and architecture decisions across backend systems, APIs, integrations, and cloud-based services
  • Build and maintain enterprise-grade APIs using REST, JSON, and XML best practices
  • Collaborate cross-functionally with Product, Engineering, and business stakeholders
  • Support frontend integration efforts utilizing Angular or React
  • Champion secure software development practices and application security initiatives
  • Lead scalability, reliability, and cloud infrastructure modernization efforts
  • Provide mentorship and technical guidance to engineering team members
  • Contribute to Agile development processes and continuous improvement initiatives
Desired Qualifications
  • Experience leading cloud modernization or digital transformation initiatives
  • Deep expertise in distributed systems and scalable microservices
  • Background in highly regulated industries such as fintech or payments
  • Experience driving CI/CD and DevOps improvements
  • Strong mentorship and engineering leadership background
  • Ability to balance technical leadership with business priorities
  • Innovative problem-solving skills for complex engineering challenges
  • Exposure to monitoring, observability, and infrastructure automation tools

Snap Finance provides point-of-sale financing through retailer partnerships, offering flexible financing options to consumers with varying credit scores. At checkout—whether online or in-store—customers can finance purchases without relying solely on traditional credit scores, with financing plans that include interest and fees. The service is delivered via integrations such as SDKs and plugins, enabling retailers to embed Snap Finance into eCommerce platforms and physical stores to expand their customer base and boost sales. Unlike lenders that depend heavily on credit history, Snap Finance focuses on broader access to credit by partnering with retailers to provide inclusive payment options. The company aims to help people make necessary purchases while helping retailers increase conversion and revenue, and it pursues social impact through its Snap Cares initiative.

Company Size

1,001-5,000

Company Stage

Late Stage VC

Total Funding

$55.1M

Headquarters

Salt Lake City, Utah

Founded

2011

Simplify Jobs

Simplify's Take

What believers are saying

  • Retailer plugins speed launches, as Simba went live in three weeks.[4]
  • Credit reporting on loans helps consumers build credit over time.[1]
  • A 50-state financing solution expands merchant coverage where lease-to-own is unavailable.[4]

What critics are saying

  • Affirm and PayPal Credit pressure merchant placements and checkout share.[3]
  • Higher-loss unsecured loans increase funding-cost and delinquency exposure.[3][4]
  • Regulatory action against rent-to-own or subprime lending would disrupt operations quickly.

What makes Snap Finance unique

  • Snap serves consumers who may not qualify for traditional financing.[1][3]
  • Its proprietary decisioning uses machine learning and nontraditional risk variables.[1]
  • Snap offers lease-to-own, installment loans, and retail installment contracts.[1][3]

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Benefits

Paid Vacation

Health Insurance

Dental Insurance

Vision Insurance

401(k) Company Match

401(k) Retirement Plan

Life Insurance

Disability Insurance

Mental Health Support

Wellness Program

Growth & Insights and Company News

Headcount

6 month growth

0%

1 year growth

0%

2 year growth

-1%
Growth Yorkshire
Mar 19th, 2026
Leeds agency appoints new managing director to drive growth.

Leeds agency appoints new managing director to drive growth. Leeds-based brand and communications agency, Ponderosa, part of Audience Collective, has appointed Stuart Pond as Manging Director, to support the agency's growth goals for 2026 and beyond. Stuart brings over 20 years' experience in advertising agencies, having worked at a number of award-winning firms in both London and Sydney. He joins from Indica Worldwide where he was Managing Partner. Prior to this, he spent six years at Publicis in a senior role, leading on accounts including Renault, Heineken, Nestle, and UBS. Stuart's breadth of experience has given him a deep understanding of how to build brands and drive sales across a wide range of industries, channels, and audiences. CEO of Audience Collective, Rob Wescott, said: "To outperform their markets, its clients need a strategic partner that can apply creativity across the entire 4Ps of marketing, not just great advertising. "Stuart brings a rare breadth of experience that ensures we continue to deliver on that promise. And besides, with 'Pond' as a surname, becoming MD of Ponderosa was surely meant to be!" Stuart's appointment speaks to a broader shift within the marketing industry. As AI continues to reshape how campaigns are planned and delivered, the real challenge is no longer efficiency alone, but differentiation. In crowded categories increasingly affected by the so-called "wallpaper effect", brands risk blending into a sea of sameness. Manging director at Ponderosa, Stuart Pond said, "I am excited to be joining the agency at a time of strong momentum and growth. I am looking forward to working closely with the team to build on this success, supporting continued growth by delivering highly effective, creative work that drives meaningful commercial results for clients. "Being part of Audience Collective means I will get the opportunity to work closely with the specialist agencies within the group, so that together we can deliver robust and insight driven, creative campaigns for clients." This appointment comes during a period of growth for Audience Collective, with recent client wins including Burgess Yachts, Snap Finance and Leasing.com. This strategic change comes as the group, now a £28m turnover agency, forecasts ambitious growth over the next three years, with plans to reach £40m in revenue by 2029.

Furniture News
Nov 12th, 2025
Simba and Snap launch flexible finance option

Simba and Snap launch flexible finance option. Simba Sleep has launched a new flexible finance option for customers, helping more people access its award-winning sleep products as the brand continues its rapid growth across the UK. The new instalment options, which are expected to drive higher conversions, increase sales volume and improve customer loyalty, allow customers to spread the cost of Simba products through manageable monthly payments. Available online, it integrates with Simba's existing checkout, minimising friction and basket abandonment, while giving customers more choice and control over how they pay. Simba has partnered with Snap Finance to deliver the new payment option, which utilises its inclusive, quick-to-launch PoS technology. The partnership enables customers who cannot access or are declined by prime lenders to access affordable finance, says the bed brand, helping Simba boost approval rates and recover sales that might otherwise be lost at the checkout: "Snap's decisioning capabilities enable approval for over 35% of applications that first-line lenders decline," says Simba. "The partnership reflects a shared belief that everyone deserves a great night's sleep, regardless of their financial background. By triangulating multiple data sources, and incorporating open banking and other income verification methods, Snap's proprietary credit decisioning delivers personalised, risk-based pricing that promotes fair value and financial inclusion, ensuring Simba customers benefit from accessible and sustainable finance options. "Snap's easy-to-install Shopify plugin has enabled Simba to launch with Snap in just three weeks, adding Snap Finance as a new payment option at checkout on Simba's website. Customers who apply for finance from a first line lender and are declined will be offered a second chance to secure finance via a seamless onward journey that introduces Snap. This keeps customers engaged, with a clear route to purchase, enabling them to select Snap at checkout to continue. "Simba will also use Snap's virtual card solution within its CRM channels, including email, SMS and follow-up calls, to re-engage declined customers and offer an alternative route to complete their purchase. The combined approach delivers a smooth and inclusive customer journey from start to finish." Jon Moore, marketing and ecommerce director at Simba Sleep, says: "At Simba, we want to make better sleep accessible to everyone. Offering flexible finance is one of the most impactful ways to give our customers more choice and confidence when shopping. Partnering with Snap Finance means we can reach more people and make it easier for them to invest in quality sleep products, without compromise. "Snap's ability to turn the partnership around and go live in just three weeks was hugely appealing to us, as it meant we could bring this wider accessibility to more customers faster than ever before." Andy Smith, CEO of Snap Finance UK (pictured), comments: "Simba's growth and commitment to accessibility is exactly what our solutions are designed to support. Our technology allows retailers to approve more customers responsibly while improving conversion and average order value. We're proud to play a part in helping people invest in better sleep and a better quality of life. Together, we're helping more people get the sleep they deserve."

Furniture News
Nov 12th, 2025
Inaugural Excellence in Furniture Awards announces headline sponsor

Inaugural Excellence in Furniture Awards announces headline sponsor. The Excellence in Furniture Awards, a new benchmark for celebrating achievement across the furniture industry, has announced Snap Finance as its headline sponsor for the inaugural ceremony. Taking place on Monday 19th January at the NEC Birmingham, alongside the January Furniture Show, the event is set to unite more than 350 of the sector's most influential retailers, brands, manufacturers and suppliers for an evening dedicated to recognising creativity, innovation and business excellence. "We're delighted to welcome Snap Finance as our headline sponsor," says Paddy Wallace, head of sales at The Furniture Shows. "Their partnership reflects a shared commitment to recognising and supporting excellence across every corner of the furniture sector." As part of its commitment to supporting excellence across the sector, Snap Finance will also sponsor the Lifetime Achievement Award, recognising an individual whose outstanding contribution has shaped the furniture industry. Andy Smith, CEO at Snap Finance UK, says: "Our headline sponsorship of the Excellence in Furniture Awards highlights Snap Finance's commitment to building strong, lasting partnerships with furniture retailers across the UK. At Snap Finance, we help people furnish their homes through flexible and affordable repayment options, and we're incredibly proud to recognise the innovation, service and dedication that makes the furniture sector thrive." Guests attending the Excellence in Furniture Awards will enjoy a welcome drinks reception, a three-course seated dinner, and an evening of entertainment, including a celebrity host and live music at the after-party. The event promises to be the highlight of the furniture calendar, providing plentiful networking and celebration opportunities. Tickets and tables are now on sale, with an early bird discount available until Friday 14th November. Anyone interested in aligning their business with this industry event can explore a range of sponsorship opportunities designed to suit different objectives.

Business Wire
Apr 29th, 2025
Snap Finance(R) Honored as Bronze Stevie(R) Award Winner in 2025 American Business Awards(R)

Snap finance(r) honored as Bronze Stevie(R) Award winner in 2025 American Business Awards(R).

Snap Finance
Apr 29th, 2025
Snap Finance(R) Honored as Bronze Stevie(R) Award Winner in 2025 American Business Awards(R)

Salt Lake City, UT - April 29, 2025 - Snap Finance LLC, a leading provider of innovative and flexible pay-over-time financing solutions, has been named the winner of a Bronze Stevie(R) Award in the Achievement in Corporate Social Responsibility category in the 23rd Annual American Business Awards(R).