Full-Time

Staff Product Engineer

Updated on 8/1/2026

Parafin

Parafin

51-200 employees

Embedded financing infrastructure for platforms

Compensation Overview

$285k - $330k/yr

+ Equity grant

San Francisco, CA, USA

Hybrid

Hybrid work in San Francisco.

Category
Software Engineering (1)
Required Skills
React.js
Data Science
TypeScript

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Requirements
  • At least 8 years of experience building and shipping user-facing products as a full stack engineer, including ownership of large, ambiguous problem spaces from concept to production.
  • Experience building production-quality user interfaces with React and TypeScript.
  • Experience designing application programming interfaces, working with data models, and debugging complex backend systems.
  • Ability to reason about user experience, including edge cases involving missing data and unexpected user behavior.
  • Ability to establish software abstractions, architecture, and patterns that improve maintainability across the product surface.
  • Experience driving cross-functional initiatives and aligning Engineering, Product, and Design around tradeoffs.
  • Experience raising engineering quality through technical leadership, mentorship, and example.
Responsibilities
  • Ship polished user experiences and own the application programming interfaces, data models, and backend services behind them, maintaining high standards for performance, reliability, and user experience.
  • Develop deep product expertise and use it to shape product development.
  • Partner with Product and Design to own roadmap decisions and shape product direction.
  • Drive architecture decisions and lead technical reviews.
  • Set technical direction for the Product Engineering team.
  • Shape broader engineering culture and practices.
  • Align Engineering and Data Science stakeholders on priorities and tradeoffs.
  • Mentor engineers and improve team processes and code quality.
  • Foster a culture of craft, ownership, and high standards.

Parafin provides embedded financing for online platforms and their merchant partners, offering a white-label financing infrastructure. It handles underwriting, funding, servicing, compliance, and support so platforms can offer capital to merchants under their own brand. The financing uses a merchant’s sales history with no interest, late fees, or credit checks; repayments are automated and vary with sales, with funds available in as little as one business day, and loans issued by Celtic Bank. Parafin differentiates itself with a full-service, white-label approach and partnerships with major platforms like Amazon, MindBody, and DoorDash, aiming to help platforms grow revenue and strengthen merchant loyalty.

Company Size

51-200

Company Stage

Debt Financing

Total Funding

$765M

Headquarters

San Francisco, California

Founded

2020

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Simplify Jobs

Simplify's Take

What believers are saying

  • Amazon, DoorDash, Walmart, Worldpay, and Gusto distribution expands merchant reach.
  • Forward-flow and warehouse facilities increase lending capacity without balance-sheet expansion.
  • Cross-selling spend cards and Pay Over Time lifts revenue per merchant.

What critics are saying

  • Square Capital and Stripe Capital already compete inside merchant payment relationships.
  • Partner concentration risks immediate volume loss if Amazon or DoorDash shifts lenders.
  • Credit dependence on external facilities caps originations when debt markets tighten.

What makes Parafin unique

  • Single integration powers underwriting, capital markets, servicing, compliance, and support.
  • Uses platform transaction data instead of personal credit scores or guarantees.
  • Offers embedded capital, spend cards, and Pay Over Time products.

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Benefits

Competitive salary & equity

Health, dental, & vision

401k plan

Parental leave

Unlimited PTO

Commuter benefits

Daily lunches

Growth & Insights and Company News

Headcount

6 month growth

2%

1 year growth

-1%

2 year growth

1%
Canadian Society for Medical Education
Dec 15th, 2025
Jobber Brings Fast Access to Capital to Canadian Home Service Businesses

Jobber brings fast access to capital to Canadian home service businesses. Integrated funding within Jobber eliminates bank delays and empowers service pros to hire, invest, and take on larger jobs without slowing down Jobber, the leading provider of software for blue collar businesses, today announced an expanded partnership with Parafin to introduce fast, integrated business funding to Canadian home service pros. With Jobber Capital, service pros can access the funds they need directly within Jobber, enabling them to seize growth opportunities, manage cash flow, and scale their operations with confidence. Building on strong U.S. adoption of Jobber Capital, this expansion introduces a proven, trusted financing model to thousands of Canadian service pros seeking stability and long-term financial empowerment. "Access to capital shouldn't be the barrier that holds a great home service business back," said Sam Pillar, CEO & co-founder at Jobber. "By embedding financing directly into Jobber, we're giving Canadian entrepreneurs the tools they need to grow on their own terms - whether that means hiring sooner, investing in new equipment, or taking on bigger opportunities with confidence." "This partnership highlights how embedded finance can remove major barriers for small businesses," said Sahill Poddar, CEO and co-founder of Parafin. "Integrating our capital solution into Jobber gives Canadian service pros fast, reliable funding inside the platform they already trust to run their operations." Scaling a service business takes ongoing investment, and access to reliable funding can make all the difference. With fast, built-in capital directly inside Jobber, home service pros can: * Invest in equipment or vehicles without slowing down operations * Smooth out cash flow during seasonal fluctuations With Jobber Capital, eligible Canadian service providers can access funding without bank appointments or external applications. Everything happens inside the platform they already rely on to quote work, schedule jobs, invoice clients, and get paid. Jobber and Parafin first launched their embedded financing program in the U.S. in March 2025, where it has seen strong engagement and delivered clear value to home service businesses navigating growth and cash-flow challenges. With fast, integrated financing now available in Canada, Jobber continues to expand the tools and support home service entrepreneurs need to build resilient, growing businesses. This launch marks another step in Jobber's commitment to helping service providers strengthen cash flow, unlock new opportunities, and confidently scale their operations. To learn more about Jobber Capital financing, visit: https://www.getjobber.com/features/jobber-capital/ About jobber. Jobber is the award-winning platform that puts blue collar first. Built for service pros, Jobber software streamlines and automates their workflows to run more efficiently, increase profitability, and grow faster. More than 300,000 service pros in over 50 industries - including landscaping, plumbing, cleaning, and contracting - use Jobber to serve over 27 million properties in more than 60 countries. Jobber continually ranks as one of Canada's fastest-growing and most innovative companies by The Globe and Mail, Fast Company, and Deloitte. For more information visit: jobber.com. Parafin is a financial infrastructure company that provides platforms with embedded financial products for their small businesses by abstracting the complexity of capital markets, underwriting, servicing, compliance, and customer support. By powering the financial services of marketplaces, vertical saas platforms, and payment processors, small businesses can run and grow themselves despite uncertain economic conditions. In just a few years, Parafin has launched on amazon, walmart, doordash, and more platforms to serve tens of thousands of businesses and extended over $16 billion in offers. Parafin was founded in 2020 by Sahill Poddar, vineet goel, and ralph furman, and is backed by ribbit capital, thrive capital, GIC, notable capital, and redpoint ventures.for more information about Parafin, please visit parafin.com.

Business Wire
Sep 29th, 2025
Parafin Secures Up To $360 Million With Forward-Flow Commitment From Cross River Bank

Parafin secures up to $360 million with forward-flow commitment from Cross River Bank.

Leighton Media
Sep 23rd, 2025
Parafin Expands Embedded Financing Suite With AI-powered Pay Over Time for Small Businesses

Parafin, a leading embedded finance company, today announced the launch of Pay Over Time, the latest addition to its suite of financing products.

EIN News
Sep 3rd, 2025
accept.blue Launches Gateway Capital in Partnership with Parafin

accept.blue launches Gateway Capital in partnership with Parafin.

Parafin
Mar 25th, 2025
How embedded financing elevated CAKE's merchant experience

To address this gap, CAKE partnered with Parafin to launch CAKE Capital, an embedded financing program.