Full-Time

Senior Software Engineer

Worth AI

Worth AI

51-200 employees

AI-powered SMB underwriting and onboarding SaaS

No salary listed

Orlando, FL, USA

Remote

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

Category
Software Engineering (1)
Required Skills
Datadog
Kubernetes
Redshift
Python
Distributed Systems
React.js
Node.js
Nest.js
Apache Kafka
Postgres
ETL
TypeScript
AWS
Terraform
Redis
DevOps
Celery
Serverless

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Requirements
  • At least 8 years of experience in software engineering with a proven track record of leading teams and providing technical direction.
  • Deep expertise in the Node.js and TypeScript ecosystem, including scaling Nest.js backends and React.js frontends.
  • Hands-on experience managing containerized workloads using Kubernetes and ArgoCD.
  • Strong proficiency in PostgreSQL, including query optimization and schema design, and Kafka, including event-driven architecture.
  • Experience specifically within Platform, Infrastructure, or Developer Experience teams.
  • Proven ability to unravel complex legacy code and replace it with scalable, maintainable architecture.
  • Experience navigating high-ambiguity environments and translating vague technical frustrations into prioritized roadmaps.
Responsibilities
  • Conduct regular interviews with engineering teams to identify workflow pain points and prioritize tools or architectural changes to eliminate them.
  • Design and implement reusable patterns using Nest.js, React.js, and TypeScript to help engineers ship high-quality, performant services and interfaces by default.
  • Own systemic performance issues, including optimizing slow PostgreSQL queries and refining Kafka producer and consumer patterns for reliable message delivery.
  • Own and evolve Kubernetes and ArgoCD configurations for seamless, automated, and safe organizational deployments.
  • Lead cross-team technical challenges, such as re-architecting shared libraries and evolving service-to-service communication, through concrete resolution.
  • Identify overly complex codebases and lead efforts to refactor them into maintainable, testable, modern modules.
  • Mentor and coach engineers across the organization to improve their technical skills and understanding of core architecture.
  • Research, prototype, and roll out internal tools, libraries, or frameworks that improve continuous integration and continuous delivery, local development, or system observability.
  • Introduce frameworks or architectural shifts and provide documentation, workshops, and one-to-one support for adoption.
  • Lead by example in code reviews, coaching others on maintainable design, testing strategies, and system-level risk mitigation.
  • Drive improvements in Deployment Frequency, Lead Time for Changes, Change Failure Rate, and Mean Time to Recovery.
  • Optimize core services to meet P90 and P99 latency targets, focusing on slow endpoints and database bottlenecks.
Desired Qualifications
  • Expertise with AWS services including MSK, RDS, EKS, S3, and Lambda.
  • Strong background in Redshift, including schema design, ETL pipeline management, and query optimization.
  • Practical experience with Infrastructure-as-Code tools such as Terraform for large-scale cloud environments.
  • Hands-on experience with Redis and distributed-system caching strategies for high-throughput applications.
  • Proficiency in Python, including Celery and SQLAlchemy.
  • Familiarity with serverless computing approaches.

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.