Full-Time

Senior Agentic AI Engineer

Worth AI

Worth AI

51-200 employees

AI-powered SMB underwriting and onboarding SaaS

No salary listed

Remote in USA + 1 more

More locations: Orlando, FL, USA

Remote

Remote hires must travel to Orlando at least twice per year, in addition to orientation in Orlando.

Category
AI & Machine Learning (1)
Required Skills
Datadog
Kubernetes
MLOps
Redshift
Python
Distributed Systems
Node.js
Machine Learning
Apache Kafka
OpenAI
Postgres
Infrastructure as Code (IaC)
RAG
TypeScript
SOC 2
AWS
LangGraph
Terraform
Redis
LangChain

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Requirements
  • At least 5 years of software engineering experience, including at least 2 years building production large-language-model or agentic systems.
  • Hands-on experience with a modern agent framework, strongly preferably LangGraph, and a track record of shipping agents that run, fail gracefully, and recover.
  • Strong retrieval-augmented-generation fundamentals, including chunking, embeddings, hybrid retrieval, reranking, and grounding, with judgment about when retrieval-augmented generation is not appropriate.
  • Real evaluation experience with golden sets and offline and online evaluations used to make ship-or-no-ship decisions.
  • Production machine-learning-operations fluency, including deploying large-language-model workloads under latency, cost, and reliability constraints.
  • Strong Python skills and comfort with TypeScript and Node.js.
  • Systems engineering experience with application programming interfaces, asynchronous patterns, queues, databases, and distributed-system failure modes.
  • Prior experience in fintech, lending, payments, know-your-business or know-your-customer, fraud, or anti-money-laundering domains.
  • Experience building Model Context Protocol servers or other structured tool interfaces for large language models.
  • Background in classical machine learning, including ranking, scoring, and calibration.
  • Experience designing explainable and auditable artificial-intelligence workflows for regulated environments.
  • Depth in Amazon Web Services, including Elastic Kubernetes Service, Managed Streaming for Kafka, Relational Database Service, Simple Storage Service, and Lambda, plus infrastructure as code with Terraform.
Responsibilities
  • Design and ship multi-step agentic systems, including planner/executor, tool-using, multi-agent, and human-in-the-loop systems, for onboarding, underwriting, case review, and continuous monitoring.
  • Architect agent graphs in LangGraph or comparable frameworks such as CrewAI, AutoGen, or Claude Agent SDK, with explicit state, durable execution, retries, and safe fallbacks.
  • Build the retrieval layer powering agents, including chunking, hybrid search, reranking, and grounded citation.
  • Own the evaluation stack, including golden sets, offline regression suites, large-language-model-as-judge evaluations, online A/B and shadow evaluations, and red-teaming for jailbreaks, prompt injection, and personally identifiable information leakage.
  • Expose agents to production systems through well-typed tools and Model Context Protocol servers, treating the tool surface area as a product.
  • Drive production machine-learning operations, including deployment, versioning, traffic shaping, cost and latency budgets, tracing, and on-call playbooks for agent incidents.
  • Partner with security and compliance to maintain SOC 2, GDPR, CCPA, and fair-lending posture, with auditability and explainability built into the systems.
  • Mentor engineers on agent patterns, prompt hygiene, evaluation discipline, and large-language-model failure modes.
Desired Qualifications
  • Open-source contributions to agent frameworks, evaluation tooling, or retrieval libraries.

Worth AI provides a subscription-based software platform for banks and lenders serving SMBs to automate onboarding and underwriting. It uses a patent-pending AI-powered system to analyze thousands of traditional and non-traditional data sources in real time, delivering faster loan decisions and a more holistic view of risk beyond traditional credit scores. This helps lenders extend credit more inclusively while managing credit risk across portfolios. Worth AI differentiates itself by targeting the SMB lending space with a data-driven, risk-focused workflow platform that continuously monitors risk and offers portfolio visibility, aiming to reduce underwriting bias and improve decision quality. The company’s goal is economic inclusion in financial services by enabling lenders to responsibly extend credit to a broader and more diverse set of small and medium businesses.

Company Size

51-200

Company Stage

Debt Financing

Total Funding

$32.5M

Headquarters

Orlando, Florida

Founded

2023

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Simplify Jobs

Simplify's Take

What believers are saying

  • H1 2026 customer base rose 75%, showing accelerating adoption and stronger product pull.
  • Worth said application processing capacity reached five times January levels by July 2026.
  • REPAY, PatientFi, and Priority deployments prove Worth sells beyond pure SMB lending.

What critics are saying

  • Equifax, Alloy, and Experian can bundle comparable underwriting features into existing bank contracts.
  • Worth still depends on lenders expanding SMB credit now; a downturn hits usage immediately.
  • If approval gains fade from 37% toward incumbents, Worth loses credibility before 2027 renewals.

What makes Worth AI unique

  • Worth built a 350M-business Decisioning Engine for SMB onboarding and underwriting.
  • March 24, 2026 Series A with Fulcrum, Amex Ventures, and TTV Capital validates enterprise demand.
  • Zero-Touch Onboarding spans KYA, KYB, KYC, fraud, and credit decisions in one workflow.

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Benefits

Health Insurance

Dental Insurance

Vision Insurance

Life Insurance

401(k) Retirement Plan

Unlimited Paid Time Off

Paid Holidays

Parental Leave

Remote Work Options

Hybrid Work Options

Meal Benefits

Wellness Program

Growth & Insights and Company News

Headcount

6 month growth

-2%

1 year growth

-5%

2 year growth

1%
Benzinga
Mar 11th, 2025
Worth Secures $25M Investment for Growth

Worth, a fintech platform for onboarding and underwriting workflow automation, secured a $25M investment led by TTV Capital. This funding will enhance its AI-powered solutions and expand services for large enterprises. Worth's platform, leveraging a database of over 242 million small businesses, optimizes underwriting operations. The company is backed by investors like Silicon Valley Bank and Florida Funders, and is rapidly scaling with key customers such as Wave Financial and REPAY.

GlobeNewswire
Mar 11th, 2025
Worth Secures $25M Investment Led by TTV Capital, Driving Major Enterprise Growth, Expanding Workflow Automation Solutions

Led by industry veterans Sal Rehmetullah and Suneera Madhani, Worth is a strong force in fintech, helping lead enterprises scale faster with streamlined...

PR Newswire
Apr 5th, 2024
Worth Ai And Equifax Enter Strategic Relationship To Help Improve Underwriting And Risk Management For Small Businesses

AI-powered risk management, coupled with access to unique data, accelerates processing time and increases business credit approval ratesORLANDO, Fla., April 5, 2024 /PRNewswire/ -- Worth AI, a newly launched, AI-powered risk management platform, led by unicorn founders Sal Rehmetullah and Suneera Madhani, today announced a strategic relationship with Equifax to provide underwriting solutions that help small businesses secure the capital, and financial services they need. As part of the agreement, Worth AI will augment its expansive data capabilities with access to differentiated data from Equifax, including business firmographics, business credit attributes and business principal information on millions of U.S. businesses.Additionally, Worth AI will utilize Equifax commercial data solutions to provide lenders with access to business credit information and consumer reports on business principles in accordance with the requirements of the Fair Credit Reporting Act (FCRA), to enable greater visibility into the financial health of the business. The combination of more data points and improved management capabilities is designed to help banks, credit unions and financial solution providers increase approval ratings and make faster, more informed credit decisions."At Worth AI, our goal is to foster strategic partnerships with esteemed companies like Equifax, a global leader in data and analytics, to revolutionize how small businesses operate," said Suneera Madhani, Founder and co-CEO of Worth AI. "Aligning Equifax's data solutions with the Worth AI platform will speed the process of securing unbiased lines of credit for businesses that are equitable."Small businesses are a vital part of the U.S. economy and statistics show that less than 20 percent are approved for loans through large banks

U.S. Securities and Exchange Commission
Dec 4th, 2023
SEC FORM D

The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.The reader should not assume that the information is accurate and complete.