Full-Time

Senior Software Engineer

Karat

Karat

11-50 employees

Tailored influencer credit cards using metrics

No salary listed

Bengaluru, Karnataka, India

Remote

Must reside in Bengaluru, India; 100% remote.

Category
Software Engineering (1)
Required Skills
Microsoft Azure
Python
JavaScript
React.js
Ruby
GraphQL
TypeScript
Microservices
AWS
REST APIs
DevOps
Google Cloud Platform
Requirements
  • 7+ years of post-internship professional experience owning and delivering complex, full-stack web applications and distributed systems end-to-end in production
  • Deep expertise in modern programming languages (Ruby, Python, React, TypeScript/JavaScript) with strong command of web frameworks and design patterns across the stack
  • Strong experience with system architecture, microservices design, database optimization, and API development (REST and GraphQL)
  • Hands-on experience with cloud infrastructure, DevOps practices, and scalable deployment technologies (AWS, GCP, or Azure)
  • Demonstrated technical leadership, including mentoring teammates and driving technical initiatives
  • Excellent written and verbal communication skills in English; proven ability to work with diverse stakeholders and translate technical concepts for non-technical audiences
  • Location: Bengaluru, India; Residency in Bengaluru required for this position; Applications from other cities in India will not be considered; Submissions must be in English
Responsibilities
  • Own complex, technically demanding projects on the flagship interviewing platform and drive them end-to-end
  • Make significant architectural decisions, actively improve technical quality across the team's codebase beyond your own lane, and collaborate with engineering leadership to raise the bar on how we build
  • Design and build sophisticated web applications across the full stack; own significant architectural decisions that ensure long-term maintainability and performance
  • Own and deliver complex, heavily ambiguous projects from design to release, independently resolving significant architectural questions and seeing work through to production
  • Proactively identify and address technical quality issues beyond immediate project scope, looking across the team's systems to reduce risk and improve reliability
  • Mentor junior engineers, elevating the team's overall capability through knowledge sharing, code reviews, and hands-on guidance
  • Collaborate with a cross-functional team of Analysts, Data Scientists, Designers, Product Managers, and Engineers to define and deliver product features
  • Champion engineering best practices, including testing strategy, performance optimization, and technical debt management
Desired Qualifications
  • Interest in technical interviewing, talent assessment, or edtech is a strong plus

Karat provides customized credit solutions for social media influencers, including tailored credit cards and instant credit advances. It evaluates creditworthiness using influencers’ social metrics—such as follower counts, engagement, and sponsorship income—rather than traditional credit scores. The company targets a niche market with team and advisors from platforms like Instagram, Goldman Sachs, Twitch, YouTube, and Patreon to apply industry-specific insights. Its goal is to give influencers reliable liquidity and financial flexibility to grow their businesses and manage cash flow.

Company Size

11-50

Company Stage

Series B

Total Funding

$100.7M

Headquarters

San Francisco, California

Founded

2014

Simplify Jobs

Simplify's Take

What believers are saying

  • Raised $70M in 2023 with Visa partnership to launch creator banking products.
  • Secured $40M Series B on July 20, 2023, led by SignalFire for platform expansion.
  • Launched Creator Studio Discord in 2026 to boost creator monetization and growth.

What critics are saying

  • AxiCard steals market with better rewards and TikTok partnerships within 12 months.
  • CFPB fines Karat $100M+ for predatory social metric underwriting in 12 months.
  • Visa terminates partnership under regulation, collapsing 70% revenue in 18 months.

What makes Karat unique

  • Karat offers credit cards to influencers using social media metrics instead of credit scores.
  • Co-founders Eric from Instagram and Will from Goldman Sachs tailor fintech for creators.
  • Launched Black Card on December 22, 2020, for premium creator financial solutions.

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Your Connections

People at Karat who can refer or advise you

Benefits

Generous time off

Drive impact

401k matching

Health + wellness

Flexible work environment

Growth & Insights and Company News

Headcount

6 month growth

3%

1 year growth

3%

2 year growth

3%
Karat
Jan 14th, 2025
Creator Bootcamp, TikTok Ban Update, & 2025 Trends

On January 27th, trykarat.com is launching Creator Bootcamp-2 weeks of free workshops with some of your favorite creators and industry experts.

Karat
Dec 31st, 2024
The Playbook for Success on Socials

This year, trykarat.com launched Creator Studio-a free Discord community dedicated to helping creators connect, monetize, and grow.

LA TechWatch
Jul 20th, 2023
The LA TechWatch startup daily funding report: 7/20/2023

Karat Financial, a finance and credit card platform for creators and influencers, has raised $40M in Series B funding led by SignalFire.

Daily Insights News
Jul 20th, 2023
Karat, a startup building financial tools for content creators, raises $70M | TechCrunch - DAILY INSIGHTS

Karat, a startup building financial tools for content creators, raises $70M | TechCrunch - DAILY INSIGHTS.

TechCrunch
Jul 19th, 2023
Karat, a startup building financial tools for content creators, raises $70M | TechCrunch

Karat Financial, a startup offering credit to creators, has raised $70 million in venture capital on the heels of a Visa partnership.