We're connecting credit reporting agencies across the world into a single, predictive cross-border credit database. We make this information available through a standardized and modern API to unlock financial services, housing and employment for immigrants around the world. In effect, we are creating the first and only global infrastructure for financial identity to move across the world.

At Nova Credit, our mission is to power a more fair and inclusive financial system for the world. We are on our way to accomplishing this mission by rewiring the financial industry with better credit infrastructure, analytics, and workflows, enabling more people to access credit opportunities. Our cross-border credit product, Credit Passport®, cash flow underwriting product, Cash Atlas™, and income verification product, Income Navigator, are trusted by leading organizations like American Express, Verizon, HSBC, SoFi, Scotiabank, and Yardi to help them reach valuable new applicants from traditionally credit excluded populations. With support from investors Canapi Ventures, Kleiner Perkins, General Catalyst, and Index Ventures, as well as industry veterans from Goldman Sachs, JP Morgan, and Citi, Nova Credit is revolutionizing the way lending is done. We were recently named Forbes' Best Startup Employers 2024 and Fast Company's World's Most Innovative Companies 2024.

Nova Credit offers a dynamic and inclusive work environment where you can meaningfully impact the lives of people historically excluded from the credit system. We value diversity, intellectual honesty, and innovation and are committed to supporting our team members' professional growth and development. If you're passionate about leveraging technology to drive financial inclusion, we want to hear from you! For a more in-depth look at our engineering culture, check out our page on Key Values!

This is a full-time, remote-friendly role. Candidates within Latin America or Canada are welcome to apply. For a more in-depth look at our engineering culture, check out our page on Key Values.

RESPONSIBILITIES:

• Own development of high-impact features and improvements to our API integration platform, which powers our suite of products.
• Integrate new consumer-permissioned data APIs into our platform.
• Improve observability around API integration and data ingestion for internal or customer needs.
• Develop internal tooling, frameworks, and unit testing to improve developer experience, velocity, and quality.
• Participate in standard engineering activities like technical design, code reviews, on-call support, documentation, and sprint ceremonies.

REQUIREMENTS:

• 4+ years of software engineering experience working for a U.S. or Canadian-based technology company. 
• 2+ years of experience integrating external APIs and leveraging related protocols (e.g., https, oauth, jwt, webhooks)
• Proficient in Javascript or Typescript
• Proficient with SQL; experienced with advanced queries, schema design, functions, indexes, partitioning)
• Experience building JS-based web systems (e.g., Express.js)
• Experience with observability tools like Grafana, Kibana, or Datadog
• Ability to design sound, highly performant solutions in AWS; articulate design decisions and tradeoffs.
• Firm grasp of software testing methodologies and troubleshooting skills
• Curious, self-driven, and eager to learn

SAMPLE PROJECTS:

• Integrate new third-party APIs into our product. This includes data validation/monitoring, mapping, persistence, and job scheduling
• Introduce code patterns or build libraries that help reduce API integration time 
• Build a monitoring system that detects shifts in third-party API data, improving data quality observability
• Create dashboards that articulately describe past results to customers or internal stakeholders
• Reduce latency of API ingestion process to cut down customer-facing e2e latency

YOU SHOULD ESPECIALLY APPLY IF:

• You want to have a big impact on your next company
• You want to be part of a scale-up
• You normally go the extra mile to ensure excellent execution
• You're quick to take the lead when problems arise
• You're opinionated about software engineering practices and can articulate compelling reasons for those opinions

Everyone is welcome at Nova Credit. We are an equal-opportunity employer where our diversity and inclusion are central pillars to our company strategy. We look for applicants who understand, embrace, and thrive in a multicultural and increasingly globalized world. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

Challenges

• Graph Data Engineering Making sense of all foreign data to provide value for customers with machine learned techniques.
• API Integrations Every data supplier has a totally different system to integrate with.
• Unique Product Delivery Nova has a first-ever complex outward facing API.

Stack

• Node.js/Express
• React.js/Redux
• AWS + Docker + Terraform