Full-Time

Senior Software Development Engineer

Backend

SavvyMoney

SavvyMoney

51-200 employees

Real-time credit scores with personalized education

Compensation Overview

₹2.5M - ₹3M/yr

+ Variable compensation

Remote in India + 1 more

More locations: Hyderabad, Telangana, India

Remote

Category
Software Engineering (1)
Required Skills
Distributed Systems
Java
Microservices
AWS
REST APIs

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Requirements
  • At least 5 years of hands-on experience creating applications using cloud-based technologies in the Java and Amazon Web Services stack.
  • Experience building backend services and distributed systems.
  • Experience building microservices.
  • Experience working with Amazon Web Services cloud environments.
  • Experience collaborating with multidisciplinary teams of developers, product managers, and system administrators.
  • Strong analytical and problem-solving ability.
Responsibilities
  • Design, develop, and maintain scalable backend services that support applications and infrastructure.
  • Implement secure and efficient application programming interfaces to support frontend applications and third-party integrations.
  • Optimize system performance, reliability, and scalability through effective architecture and engineering best practices.
  • Work closely with product managers and frontend engineers to develop backend solutions aligned with business and user needs.
  • Ensure high availability, fault tolerance, and performance of backend systems.
  • Monitor system health, troubleshoot issues, and implement improvements to enhance efficiency and stability.
  • Stay up to date with industry trends and emerging technologies in backend development and distributed systems.

SavvyMoney provides real-time credit score solutions and personalized financial education to customers via financial institutions. It integrates into banks and credit unions' digital banking platforms to deliver live credit scores, targeted education, and customized content, helping customers manage their credit. The product combines score data, analytics, marketing tools, and pre-screened lending experiences to optimize loan offers and conversions, and to guide customers through a digital loan application. The company differentiates itself with a focus on real-time scoring within digital channels, actionable analytics on score improvement and loan engagement, and integrated marketing and pre-screened lending tools that streamline the customer journey. SavvyMoney’s goal is to help financial institutions grow profitable loan volume while boosting customer loyalty by delivering timely, personalized credit insights and education.

Company Size

51-200

Company Stage

Late Stage VC

Total Funding

$272M

Headquarters

Dublin, California

Founded

2009

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Simplify Jobs

Simplify's Take

What believers are saying

  • SavvyMoney launched Home Value & Equity in May 2026, expanding into home lending.
  • Allstate Identity Protection partnership added fraud-restoration services in January 2026.
  • The 2026 Banking Tech Award validates market traction across 1,600-plus financial institutions.

What critics are saying

  • Fiserv Credit Sense directly bundles similar credit-score features into digital banking.
  • PSG and Canapi's $225 million round demands rapid growth, risking execution strain by 2026.
  • Credit score widgets are easily commoditized; losing bank integrations would collapse SavvyMoney's distribution.

What makes SavvyMoney unique

  • SavvyMoney embeds credit insights inside banks' digital banking, not a standalone consumer app.
  • Its 2025 CreditSnap acquisition adds lending, deposit, and account-opening workflows.
  • TransUnion remains a strategic partner, reinforcing credit-data credibility and distribution reach.

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Benefits

Remote Work Options

Flexible Work Hours

Growth & Insights and Company News

Headcount

6 month growth

-1%

1 year growth

-1%

2 year growth

-2%
Finopotamus
May 29th, 2026
SavvyMoney wins 2026 Banking Tech award for Best Embedded Finance Solution.

SavvyMoney wins 2026 Banking Tech award for Best Embedded Finance Solution. * 3 hours ago Leading fintech recognized for innovation in personalized digital banking experiences DUBLIN, Calif., May 29, 2026 - SavvyMoney, a leading provider of personalized financial wellness and credit score solutions, today announced it has been named the winner of the Best Embedded Finance Solution category at the 2026 Banking Tech Awards USA, powered by FinTech Futures. The Banking Tech Awards USA celebrate the most innovative financial institutions and technology providers delivering impactful digital banking experiences and advancing the future of financial services. SavvyMoney earned recognition for its continued innovation in embedded finance, helping financial institutions integrate personalized credit insights, financial wellness tools and engagement experiences directly into digital banking channels. "We are honored to receive the Best Embedded Finance Solution award from Banking Tech Awards USA," said JB Orecchia, president and CEO of SavvyMoney. "This recognition reflects our team's focus on helping financial institutions create more personalized digital experiences that drive stronger engagement and better financial outcomes for consumers." SavvyMoney's solution enables banks and credit unions to provide consumers with real-time credit score access, monitoring, personalized offers, financial education and actionable insights directly within their existing digital banking environments. By embedding financial wellness experiences into everyday banking interactions, SavvyMoney helps financial institutions strengthen engagement, build loyalty and uncover new growth opportunities. The award was presented during the 2026 Banking Tech Awards USA ceremony held May 28 in New York City. "The institutions winning on personalization today aren't doing it with point solutions. They're doing it with connected platforms that take consumers from insight to action in one place. That's what we've built, and that's what this recognition reflects," added Orecchia. "We're proud to help our partners lead that transformation." To learn more about SavvyMoney and its solutions for financial institutions, visit www.savvymoney.com. About SavvyMoney SavvyMoney is the industry leader in financial wellness and growth solutions for over 1,600 banks, credit unions and fintechs nationwide. By connecting real-time credit score insights, analytics and personalized offers with a fully integrated lending and deposit experience, consumers can go from knowing to doing in minutes. With white-glove marketing support, SavvyMoney helps financial institutions increase market share, deepen relationships and grow efficiently.

PR Newswire
May 13th, 2026
SavvyMoney launches property wealth tool showing homeowners their estimated home value and equity inside credit score dashboard

SavvyMoney has launched Home Value & Equity, a property wealth feature integrated into its credit score platform for US financial institutions. The tool automatically displays estimated home values, mortgage balances and available equity for eligible homeowners within their existing credit score dashboard, requiring no action from consumers or implementation work from institutions. The feature addresses a significant gap: whilst the average US homeowner with a mortgage holds approximately $313,000 in equity, one-third don't know how to access it, according to an AmeriSave survey. Home Value & Equity provides automated monthly updates using data from an automated valuation model covering 99.9% of US residential properties. The pilot launch offers financial institutions a new engagement tool and potential home lending opportunities. SavvyMoney serves over 1,600 banks, credit unions and fintechs nationwide.

Innovation Tri-Valley Leadership Group
May 13th, 2026
Valley Reveals 2026 #GameChangers Honorees Ahead of Ninth Annual Awards Celebration

Valley reveals 2026 #gamechangers honorees ahead of ninth annual awards celebration. Pac-12, Inertia Fusion Energy, SavvyMoney, Calyxo, and Stanford Health Care Tri-Valley Named Among Region's Most Transformative Companies and Institutions DUBLIN, Calif. - 6 May 2026 - Innovation Tri-Valley Leadership Group (ITV) today announced the honorees for the ninth annual #GameChangers Awards - the Tri-Valley's signature celebration of breakthrough innovation, visionary leadership, and the companies and individuals reshaping one of the most dynamic regional economies in the world. The 2026 honorees represent the full breadth of the Tri-Valley's innovation ecosystem: a reinvented sports and entertainment powerhouse, a fusion energy company that may hold the key to the planet's clean energy future, a fintech platform changing how millions of Americans understand and manage credit, a medical device company attacking one of urology's most painful and persistent problems, and a healthcare institution that has fundamentally transformed how Tri-Valley residents access world-class care. The awards will be presented on Thursday, May 21, 2026, from 5:30 to 8:00 PM at The Roundhouse at Bishop Ranch in San Ramon. This year's honorees include: PAC-12 CONFERENCE - San Ramon Innovation in Sports & Entertainment Few institutions in American sports have undergone a transformation as dramatic - or as closely watched - as the Pac-12 Conference. Having relocated its operations to San Ramon, the Pac-12 is rewriting its own story from the heart of the Tri-Valley, building a next-generation model for collegiate sports and entertainment that leverages Silicon Valley's proximity, the Bay Area's media infrastructure, and a legacy brand that generations of fans across the western United States know and love. The Pac-12's reinvention is not just a sports story. It is a story about what it looks like when a storied institution bets on the Tri-Valley as the place to write its next chapter. INERTIA FUSION ENERGY - Livermore Innovation in Energy & Deep Technology Livermore has long been home to some of the most ambitious science in the world - and Inertia Fusion Energy is squarely in that tradition. Building on the landmark fusion ignition achieved at Lawrence Livermore National Laboratory in December 2022, Inertia Fusion Energy is working to translate that historic scientific breakthrough into a viable, commercially deployable clean energy technology. If successful, the implications are civilization-scale: abundant, carbon-free energy produced from the same physics that powers the stars. That this work is developing in Livermore is not a coincidence. It is the result of decades of scientific investment that the entire region has taken stake in. SAVVYMONEY - Dublin Innovation in Financial Technology The vast majority does not fully understand their credit score - a number that shapes their ability to buy a home, secure a loan, and build financial stability. SavvyMoney, headquartered in Dublin, is changing that. The company's credit score and financial wellness platform is embedded in the digital banking experiences of credit unions and financial institutions serving tens of millions of consumers nationwide, providing real-time credit insights, personalized offers, and the kind of financial clarity that was previously available only to those who knew where to look and what to look for. SavvyMoney's work is not just fintech. It's financial equity, shared at scale, and built in the Tri-Valley. CALYXO - Pleasanton Innovation in Biotechnology & Medical Devices Kidney stones affect one in ten Americans and represent one of the most painful and costly conditions in urology - with recurrence rates that make treatment a recurring challenge for millions of patients. Calyxo, based in Pleasanton, has developed a breakthrough medical device technology designed to dramatically improve the efficiency and outcomes of kidney stone treatment, reducing procedure time, improving stone clearance, and enabling patients to return to health faster. The company's technology is the product of deep clinical insight and rigorous engineering - and its trajectory from Pleasanton to surgical suites across the country is precisely the kind of innovation story the Tri-Valley was built to produce and tell. STANFORD HEALTH CARE TRI-VALLEY - Founders Award Transformative Impact on the Tri-Valley Innovation Ecosystem The annual Founders Award honors an individual or organization whose contribution to the Tri-Valley's innovation ecosystem transcends a single sector or a single year - whose presence has fundamentally changed what is possible for the region and the people who live here. This year, that recognition is given to Stanford Health Care Tri-Valley. When Stanford Health Care opened its Tri-Valley campus, it did not simply add another hospital to a growing region. It signaled to the world that the Tri-Valley was a place worthy of competitive institutional investment - and it delivered on that signal by bringing the clinical expertise, research capabilities, and care standards of one of the world's leading academic medical centers to the doorstep of Tri-Valley families. The impact has been profound: on patient outcomes, on the region's ability to attract and retain top talent, on the broader healthcare ecosystem, and on the confidence of every company and family that has chosen to build a home in the region. Stanford Health Care Tri-Valley has not just served this community. It has strengthened it and made life and living sought after in the Tri-Valley. The #GameChangers Awards - Nine Years of Honoring the Tri-Valley's Best Now in its ninth year, the #GameChangers Awards has become the most anticipated event on the Tri-Valley's innovation calendar - a high-energy reception and awards ceremony that unites the region's founders, funders, civic leaders, and entrepreneurs to honor the companies and individuals transforming the Tri-Valley into a global innovation hub. "The 2026 cohort is extraordinary - and equally emblematic of a Tri-Valley that is not waiting for the future to arrive," said Katie Marcel, CEO, Innovation Tri-Valley. "This region's innovation story is a huge contribution to the leadership of California. It is a bearer of hope for the world." The ninth annual #GameChangers Awards will feature a hosted reception and the presentation of this year's honorees in a program designed to energize and inspire everyone in the room. Tickets, sponsorship opportunities and more information are available at [email protected]. ###. ABOUT INNOVATION TRI-VALLEY LEADERSHIP GROUP Innovation Tri-Valley Leadership Group (ITV) is a collaborative network of corporate leaders, elected and civic officials, educators, and regional champions dedicated to advancing the Tri-Valley as a globally recognized hub of technology, entrepreneurship, and economic vitality. Spanning the cities of Dublin, Livermore, Pleasanton, San Ramon, and the Town of Danville, the Tri-Valley is home to two national research laboratories - Lawrence Livermore National Laboratory and Sandia National Laboratories - more than 700 technology companies, and a regional innovation economy generating $52 billion in GDP. ITV connects the dots between the public and private sectors, amplifies the region's breakthrough companies and people, and shapes the long-term economic future of one of the Bay Area's fastest-growing and most dynamic regions. Learn more at innovationtrivalley.org. MEDIA CONTACT

CUbroadcast
May 13th, 2026
SavvyMoney launches Home Value & Equity, bringing property wealth insights into the Credit Score experience.

SavvyMoney launches Home Value & Equity, bringing property wealth insights into the Credit Score experience. JB Orecchia SavvyMoney, a leading provider of integrated credit score, financial wellness and lending solutions, today announced the pilot launch of Home Value and Equity, the industry's first property wealth feature built natively into a credit score experience that provides eligible consumers with an automated view of their estimated home value, mortgage balance and available equity - giving financial institutions a new tool to deepen engagement and drive home lending growth. Unlike standalone home value tools that require separate integrations, new consumer enrollment flows, or additional vendor relationships, Home Value and Equity appears automatically for eligible homeowners inside the Credit Score dashboard their institution already has - with no implementation work required from the institution and no action required from the consumer. The pilot comes as U.S. homeowners are sitting on substantial property wealth but often lack easy visibility into it. For most consumers, their home is their single largest financial asset. The average U.S. homeowner with a mortgage holds approximately $313,000 in equity, according to the ICE Mortgage Monitor, yet a recent AmeriSave survey found that one-third of homeowners don't know how to access or use that equity. Home Value & Equity closes this gap by putting property wealth insights directly inside the digital banking experience consumers already use, alongside the credit score they already check. Home Value & Equity is built directly into the SavvyMoney Credit Score dashboard. When eligible homeowners access their dashboard, they'll see a new tile displaying their current estimated home value. From there, consumers can click into a dedicated Home Value & Equity page showing additional insights including their current mortgage balance, estimated available equity, a historical trend graph showing how their value and equity have changed over time, a photo of their property (where available) and educational content about what home equity is and how to use it. Consumers can also explore home loan offers from their institution, where available. And the entire experience is automatic: Consumers do not need to enter an address, upload documents or take any action to activate the feature. What This Means for Consumers For eligible homeowners, Home Value & Equity provides a clear, ongoing view of one of their most significant financial assets: * Home equity visibility: See estimated home value, mortgage balance and available equity in one place alongside their credit score - with no sign-up, data entry or additional enrollment. For many consumers, this is the first time they'll have a clear picture of the wealth they've built in their home without having to seek out a third-party tool or request a formal appraisal. * Equity growth tracking: Monitor how home value and equity evolve using historical trend data to inform long-term financial planning. Whether a consumer is considering a renovation, weighing a move or simply wants to understand where they stand, tracking equity over time helps them see when they may be in a stronger position to finance future milestones. * Informed decision-making: Access education and resources that explain what home equity is and how it can be used, from financing a renovation to consolidating high-interest debt or planning for a major life expense. When they're ready, consumers can explore home loan offers from their financial institution. The feature does not trigger a credit inquiry or affect the consumer's credit score. All estimates are clearly labeled as educational and informational. "For the millions of homeowners who bank with SavvyMoney partners, understanding their equity position can be the difference between wondering and knowing. Home Value & Equity brings that visibility directly into the credit score experience consumers already trust, with no friction for the consumer and no heavy lift for the institution," said JB Orecchia, president and CEO of SavvyMoney. "SavvyMoney has always existed to help consumers understand their credit and long-term financial wellness. The wealth they've built in their home is a critical part of that picture and now consumers can see it right where they manage the rest of their financial health." Growth Opportunities for Financial Institutions For banks, credit unions and fintechs, Home Value & Equity turns consumer engagement into actionable home lending opportunities: * Targeted home product offers: Leverage home value and equity data insights to deliver timely, relevant offers across refinance, HELOC, home insurance and related products. * Higher-quality leads: Identify in-market and equity-qualified homeowners to strengthen mortgage and home lending pipelines. * Stronger engagement and segmentation: Access home equity insights to prioritize outreach, refine audience targeting and increase campaign effectiveness. * Zero implementation burden: No technical build, integration or engineering resources required. The feature is enabled directly by SavvyMoney within the existing platform. Powered by an Industry-Leading Automated Valuation Model Home Value & Equity is built on data from an industry-leading automated valuation model covering 99.9% of U.S. residential properties. Mortgage balance data is sourced from the consumer's existing credit file. The feature automatically matches eligible consumers to their property and calculates equity without requiring any input from the consumer or technical resources from the institution. Home value estimates update approximately monthly as new market data becomes available. Home Value & Equity is the latest addition to SavvyMoney's growth roadmap focused on delivering comprehensive financial wellness tools to consumers through the institutions they trust. Recent platform updates include a partnership with Allstate Identity Protection to deliver fraud restoration services within the Credit Score experience, the acquisition of CreditSnap to power a seamless end-to-end loan origination and account opening experience, and an expanded fintech reach through a partnership with Avant to power its Credit Builder tool. Home Value & Equity is now in pilot with select SavvyMoney partner institutions, with broader availability to follow. Financial institutions interested in joining the pilot or learning more about availability can contact their SavvyMoney Partner Manager or visit www.savvymoney.com to learn more

Fenoms Talent
Nov 4th, 2025
SavvyMoney Raises $225 Million to Redefine Credit & Financial Wellness for Everyday Consumers

SavvyMoney raises $225 million to redefine credit & Financial Wellness for everyday consumers. SavvyMoney has secured a massive $225,000,000 funding round, led by PSG, Canapi Ventures, and Spectrum Equity. Under the leadership of CEO JB Orecchia, SavvyMoney is rewriting what financial empowerment looks like inside the banking ecosystem. Instead of consumers navigating credit confusion alone - scattered across multiple fintech apps, consumer portals, and financial institutions with conflicting advice - SavvyMoney delivers personalized credit insights directly through users' trusted community banks and credit unions. SavvyMoney is not just giving consumers their credit score; it is putting credit understanding, lending options, and financial improvement strategies directly inside the banking platforms people already use daily. Reframing Credit Transparency: From Confusion to Action Most consumers can view their credit scores, but they cannot translate that number into a meaningful action. They don't know what drives changes, how to improve their score, or which loan or financial move makes sense for their situation. SavvyMoney bridges that gap. Instead of merely displaying data, SavvyMoney analyzes a user's credit profile and surfaces actionable recommendations - refinancing options, debt reduction strategies, lower-interest loan paths, and upcoming credit-impact events. Traditional financial platforms show numbers. SavvyMoney shows direction. The platform transforms financial literacy from something people "should figure out someday" into something they can act on today. Infrastructure Over Features: SavvyMoney Is Becoming the Financial Wellness Layer for Banks Instead of building another consumer financial wellness app and fighting for downloads, SavvyMoney realized a deeper truth: the institution consumers trust most with financial decisions is not a random app - it's their bank. SavvyMoney becomes the infrastructure inside banking platforms, seamlessly integrating into online banking and mobile banking apps, making personalized financial guidance appear native and automated. Consumers don't feel like they are using a new platform. They feel like their bank suddenly got smarter. This is not a bolt-on feature; it's a new intelligence layer for financial institutions. Most fintech founders obsess over customer acquisition costs - ads, funnels, landing pages, referral loops. SavvyMoney skipped all of that. Instead of going consumer-first, they went distribution-first, embedding their platform directly inside banking systems. SavvyMoney doesn't have to convince consumers to use another financial app. Consumers discover SavvyMoney by logging into the banking tools they already use to pay bills, check balances, and apply for loans. Category-defining companies don't fight for attention - they control the point of interaction. SavvyMoney didn't try to win the consumer market; it won the distribution layer that controls it. PSG, Canapi Ventures, and Spectrum Equity specialize in fintech infrastructure and high-scale SaaS. These investors aren't looking for apps that trend for six months and fade after the marketing dollars stop. They back foundational platforms - tools that become required. Their thesis is clear: the banking industry is moving toward embedded financial wellness, not just account servicing. The scale of this funding round signals a market that sees SavvyMoney not as a feature, but as a default expectation for modern financial institutions. A Market Where Consumers Are Tired of Being Confused Consumers aren't struggling with motivation; they're drowning in complexity. They don't need more data. They need clarity. Financial stress is at a record high: * 61% of Americans live paycheck to paycheck * 40% cannot cover a $400 emergency without borrowing * Credit card debt has surpassed $1.12 trillion, an all-time high Consumers know they need to improve their financial health, but the process is overwhelming and scattered. SavvyMoney consolidates credit score insight, credit event forecasting, debt payoff recommendations, and lending options into a single experience - delivered by the institution they already trust. The financial services landscape is shifting dramatically: * The embedded finance market is projected to reach $7.2 trillion by 2030 * Banks are increasing fintech partnership budgets by 26% YoY * Financial institutions using embedded credit tools report a 3 - 5x higher loan conversion rate Traditional banks can no longer compete with fintech startups on UX or automation. Instead of building from scratch, they integrate platforms like SavvyMoney to instantly gain the capabilities of a modern fintech. SavvyMoney becomes the bridge between legacy institutions and modern consumer expectations. Why SavvyMoney Wins: It Aligns What Consumers Need With What Banks Want Consumers want transparency, guidance, and better decisions. Banks want higher loan conversions, deeper customer loyalty, and more engagement. SavvyMoney sits at the intersection of both. By connecting credit insights directly to real loan opportunities within the financial institution, SavvyMoney drives measurable business outcomes - all while genuinely helping consumers improve their financial future. * showing someone their credit score, and * showing them how to improve it and where to take action. SavvyMoney isn't giving consumers more data. It's giving them control. What's Next for SavvyMoney With $225 million in funding, SavvyMoney plans to scale its product deeper into: * loan origination * embedded lending recommendation engines * predictive financial health modeling The company will expand partnerships across community banks and credit unions, making financial wellness available at scale - not just to high-income earners or early adopters. Their long-term vision is for SavvyMoney to become the default financial wellness infrastructure inside digital banking. In the future, logging into a bank account won't just show a balance. It will show opportunity. SavvyMoney is building that future. Most fintech products give users numbers. SavvyMoney gives users options. Most fintech tools live outside banking. SavvyMoney lives inside it. Consumers don't need more dashboards or apps. They need financial clarity delivered exactly where they already make financial decisions. SavvyMoney isn't improving banking. It's redefining the role banks play in their customers' financial lives. Growth & scaling insights. Latest additions.