Full-Time

Software Engineer

Backend, Remote

Updated on 11/18/2024

Empower

Empower

51-200 employees

Personal finance management and credit building services

Fintech
Financial Services

Mid

Remote in USA

Category
Backend Engineering
Software Engineering
Required Skills
C#
Requirements
  • Bachelor degree or greater within Computer Science, Software Engineering or a related subject
  • 3+ years developing web APIs within .NET (C#)
  • Working experience with ORMs such as Entity Framework
  • Working experience constructing and optimising RDMS queries
  • Working experience within the asynchronous programming model
Responsibilities
  • Designing, building, and deploying server application code that interfaces with 3rd party clients and Empower
  • Implementing secure coding standards in accordance with the Empower Secure Development Policy
  • Perform on-going security testing and code review to improve software security
  • Monitoring the performance of the Empower server application and applying corrective action through bug fixing and improved solutions
  • Minimising defects and improving reliability through: Development of automated tests, manual test validation, development of fit for purpose architecture and code, contributing to PRs
  • Developing and maintaining the server app build and deployment pipeline
  • Collaborating cross-functionally to define, design and ship new features that create customer and business value
  • Working with business and operations stakeholders for the definition and development of business requirements
  • Contributing to server/client contract API definition
  • Architecting solutions that interface into 3rd parties and the Empower mobile client
  • Maximising effective development and identifying new technology opportunities by: Keeping across .NET development announcements, being across community best practice, discovering and evaluating new technologies
  • Participating in the server ops on call schedule

Empower.me provides personal finance management and credit building services through a subscription-based model. Users can sign up for a 14-day free trial, after which they pay $8 per month for access to various financial tools. These tools include customizable payment plans, budgeting features, and credit score monitoring. A key aspect of Empower.me is its focus on helping users build credit by reporting their payments to credit bureaus, which can enhance their credit history if payments are made on time. Additionally, Empower.me offers a Thrive line of credit, which involves a soft inquiry on the user's credit report, ensuring that their credit score remains unaffected during the application process. Unlike many competitors, Empower.me specifically targets individuals with no minimum credit score, aiming to improve their financial health and credit standing.

Company Stage

N/A

Total Funding

$96.8M

Headquarters

San Francisco, California

Founded

2016

Growth & Insights
Headcount

6 month growth

21%

1 year growth

35%

2 year growth

124%
Simplify Jobs

Simplify's Take

What believers are saying

  • The acquisition of Petal and Cashalo expands Empower.me's market reach and enhances its service offerings.
  • Partnerships with platforms like NerdWallet increase Empower.me's visibility and credibility in the fintech space.
  • Empower.me's ability to attract significant investment, such as the $150 million raised by founder Warren Hogarth, indicates strong financial backing and growth potential.

What critics are saying

  • Negative reporting for missed payments could deter potential users concerned about the impact on their credit scores.
  • The competitive fintech landscape requires continuous innovation to maintain a unique value proposition and customer loyalty.

What makes Empower unique

  • Empower.me focuses on individuals with no minimum credit score, offering a unique opportunity for those typically underserved by traditional financial institutions.
  • The company's subscription-based model with a 14-day free trial lowers the barrier to entry, making it accessible for users to try the service before committing.
  • Empower.me's emphasis on credit building through payment reporting to credit bureaus sets it apart from other personal finance management tools.

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Benefits

Generous equity package

Full healthcare benefits

Unlimited PTO

Technology expense reimbursement

Work from anywhere