Full-Time

Data Platform 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 within the United States, with travel to Orlando at least twice per year plus orientation.

Category
DevOps & Infrastructure (1)
Required Skills
Kubernetes
Rust
Redshift
Python
Airflow
BigQuery
Graph Databases
Apache Spark
Machine Learning
Apache Kafka
Java
Kinesis
ETL
GraphQL
Data Engineering
Docker
AWS
Go
Terraform
Observability
ISO 20022
REST APIs
Data Modeling
Data Governance
DevOps
Databricks
Snowflake

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Requirements
  • Hands-on experience with graph databases such as Neo4j, AWS Neptune, or TigerGraph and query languages such as Cypher or Gremlin.
  • Proven experience with entity resolution or record linkage using tools such as Senzing, Quantexa, or custom probabilistic matching models.
  • Ability to design flexible ontologies for evolving regulatory data.
  • Experience building GraphQL or REST APIs optimized for graph traversals and deep-tree lookups.
  • Experience building centralized data platforms or data-as-a-service offerings at scale.
  • Strong software engineering skills in at least one of Python, Java, Go, or Rust.
  • Hands-on experience building data pipelines and ETL/ELT workflows on a major cloud provider, preferably AWS.
  • Experience with modern data stack tools such as Spark, Flink, Kafka, Kinesis, Airflow or managed schedulers, and data warehouses such as Snowflake, Redshift, BigQuery, or Databricks.
  • Familiarity with CI/CD, containerization using Docker, orchestration using Kubernetes, and infrastructure-as-code using Terraform.
  • Strong focus on observability, resilience, and early warning signals.
  • Ability to collaborate cross-functionally and communicate with technical and non-technical stakeholders.
Responsibilities
  • Architect and implement entity resolution logic to de-duplicate and link disparate data points into unified Golden Records for businesses and individuals.
  • Design and maintain a high-performance global business knowledge graph and ontology mapping complex ownership chains, ultimate beneficial owners, and hidden risk relationships across international borders.
  • Implement a hybrid storage strategy combining graph databases with document and search stores for rich metadata and adverse media content.
  • Optimize the platform for real-time risk assessment and millisecond-level traversal of multiple ownership levels to support automated onboarding decisions.
  • Design and build scalable data services and application programming interfaces for ingesting, transforming, and serving data.
  • Develop and maintain batch and streaming data pipelines using modern data processing frameworks and Amazon Web Services cloud-native tooling.
  • Own platform reliability, performance, monitoring, alerting, and on-call operations where appropriate.
  • Implement data modeling, quality, lineage, and governance practices for trustworthy, documented datasets.
  • Work with data scientists, analysts, and application engineers to translate their needs into platform capabilities.
  • Drive automation and standardization through continuous integration and continuous delivery, model-as-a-service, and reproducible environments.
  • Define and evolve the data-platform architecture as an internal service with clear contracts, service-level agreements, and versioned application programming interfaces.
Desired Qualifications
  • Background supporting machine learning or real-time decisioning use cases from a platform perspective.
  • Understanding of anti-money laundering, counter-terrorist financing, and know-your-customer/know-your-business data structures, including Legal Entity Identifiers and ISO 20022.
  • Experience handling global address normalization and geospatial indexing for risk detection.

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.