Senior Full Stack Software Engineer (Remote optional) at Petal

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The Petal mission

Petal’s mission is to expand access to opportunity, by making responsible, modern financial services available to everyone. Founded in 2016, Petal provides technology-enabled credit cards to consumers who are historically underserved by mainstream providers. 

Petal pioneered automated cash flow underwriting, a transformative new approach to assessing consumer creditworthiness with the potential to expand access to tens of millions of U.S. consumers without credit history, or for whom traditional credit scores do not tell the whole story. Petal pairs this groundbreaking, data-driven underwriting technology with a mobile-first, digitally native product experience designed to help users manage and build credit responsibly. For Petal, it’s a mission as much as it is a business—with a goal to reimagine finance for the next generation of consumers. 

At Petal, we're looking for people with kindness, positivity, and integrity. You're encouraged to apply even if your experience doesn't precisely match the job description. Your skills and potential will stand out—and set you apart—especially if your career has taken some extraordinary twists and turns. At Petal, we welcome diverse perspectives from people who think rigorously and aren't afraid to challenge assumptions.

The Senior Full Stack Role

This particular role is an opportunity to join a team who cares deeply about product experience and code quality. Our app must function reliably and delightfully at all times in order for Petal to deliver on its promise of simple, accessible credit. We aim to outshine other financial apps with a central view into a customer's money and the credit industry's most transparent, customer-centric payment experience.

In this role, about 50% of your time will be spent in our frontend—a tri-platform React Native app written in TypeScript—and 50% on our Flask/Python applications. This role reports to our Director of Engineering.

Key responsibilities:

  • Write high-quality, well-tested, functional, observable code that runs smoothly in production.
  • Up-level our React Native app, delivering reliable, delightful features that our customers need.
  • Elevate the coding standards and hygiene across the team.
  • Lead complex projects, influence product design and make business vs technology trade-offs during all phases of the project lifecycle, consistently delivering on time.
  • Work with various Petal stakeholder teams (e.g., product, analytics, operations, risk, compliance) and third-party technology vendors (e.g. credit bureaus, credit processors, bank data aggregators)
  • Teach across the broader engineering organization to improve best practices and influence system design

Characteristics of a successful candidate:

  • Track record of shipping high-quality, complex React apps to end-users. A deep understanding of React/React Native/Redux libraries and ecosystem (sagas, selectors, reducers) is essential for this role. We use Expo to build our apps, which are written in Typescript, so a familiarity with that toolchain is very helpful. You yearn for cleaner code using functional components and React hooks.
  • Strong self-management, sense of ownership, and organization. Petal’s open and collaborative environment enables proactive and organized employees to really shine.
  • Displays inclusivity, kindness, and humility. Our inclusive and collaborative culture is what makes Petal a great place to work. We need diverse people who embody our core values to make it even greater.
  • Product-oriented. Communication of complex, ever-changing business and technology concepts is hard. Creating a shared understanding and path forward via an open discussion is commonplace at Petal. 
  • Adaptable. As stated above, this role is mostly frontend-focused; that said, successful engineers here roll up their sleeves to dive into their dependencies when planning projects, debugging issues, and implementing features end-to-end. So, becoming productive in our API layer (RESTful Flask apps with Postgres databases) is important.
  • Weighs trade-offs and focuses on value delivery. A fast-paced startup demands making trade-offs that balance the near term and long term value add of solutions. At Petal, we design robust systems, but try not to let the perfect be the enemy of the good.
  • We're seeking someone with a bachelor's degree or above in a related field, or equivalent work experience.


  • Demonstrated expertise in Python
  • Experience in a highly regulated industry such as finance or healthcare

  • These are all "nice-to-haves" --- we don't expect every candidate to hit every mark. Many of our engineers come from different backgrounds and career paths. We're committed to teaching anything you might need to learn on the job.

We are an equal opportunity employer, and we are committed to building a team culture that celebrates diversity and inclusion. We’re proud to be different, together.

For our California employment information privacy statement, please click here.

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Technology we use

  • Engineering
  • Product
  • Sales & Marketing
    • GolangLanguages
    • PythonLanguages
    • ReactLibraries
    • FlaskFrameworks
    • PostgreSQLDatabases
    • RedisDatabases
    • FigmaDesign
    • IllustratorDesign
    • MiroDesign
    • PhotoshopDesign
    • ConfluenceManagement
    • Google DriveManagement
    • Google DocsManagement
    • Google SlidesManagement
    • JIRAManagement
    • Monday.comManagement
    • SendGridEmail

An Insider's view of Petal

What are some social events your company does?

Transitioning to working from home hasn’t stopped the team from planning events and staying connected. We’ve participated in everything from virtual magic shows to a cocktail making class. From pet parade happy hours to Codenames tournaments. We’ve even planned “Petal Cribs” - think MTV circa the year 2000 where employees show off their WFH setups.


Engineering Manager

What's the biggest problem your team is solving?

We take pride in how agile we are as a company. In order to gain confidence in our rapid decisions, we rely on a strong data and analytics foundation.
That’s where my team comes in. Our challenge is to empower users at every level to make data-driven decisions. It’s amazing to see teammates turn knowledge into action when they have data to support.


Senior Associate, Data Analytics

How has your career grown since starting at the company?

I started at Petal as a Credit Ops Analyst. Since then, I’ve had the chance to learn from industry experts, contribute to other sectors of the company, and further pursue my passions. I now have the privilege of leading the department where I got my start. Petal has allowed me to zero in on my purpose and continues to advocate for my development.


Risk Ops Manager

How do your team's ideas influence the company's direction?

My team is the People team, and we are responsible for all things People related: our culture, composition of our team, recruiting, social engagement, growth and development, compensation, etc. I’m grateful to work with the leadership team, where they put a ton of value and personal time into ensuring we hire kind people who care about our mission.


Chief People Officer

What's something quirky about your company?

At Petal we celebrate our big wins with an unlikely pairing of Popeyes and Prosecco. The origin story remains a mystery — but if we accomplish something really big you can bet that delicious fried chicken and bubbles are on the horizon.


Senior Acquisition Marketing Manager

What are Petal Perks + Benefits

Petal Benefits Overview

Our people are our best perk. Where else can you work with such kind, mission-driven, and positive people at a startup?

But, besides our team, we offer: Virtual team events such as magic shows and cocktail making, lunch and learns with both external entrepreneurs and internal team members, flexible PTO, medical/dental/vision benefits, 401(k) and monthly professional development workshops. And we're open to hearing more about what would make you more productive and fulfilled!

Friends outside of work
Eat lunch together
Intracompany committees
Daily sync
Open door policy
Team owned deliverables
Team based strategic planning
Open office floor plan
Dedicated Diversity/Inclusion Staff
Unconscious bias training
Diversity Employee Resource Groups
Hiring Practices that Promote Diversity
Health Insurance & Wellness Benefits
Flexible Spending Account (FSA)
Dental Benefits
Vision Benefits
Health Insurance Benefits
Retirement & Stock Options Benefits
Company Equity
Performance Bonus
Child Care & Parental Leave Benefits
Generous Parental Leave
Flexible Work Schedule
Remote Work Program
Family Medical Leave
Return-to-work program post parental leave
Vacation & Time Off Benefits
Unlimited Vacation Policy
Generous PTO
Paid Holidays
Paid Sick Days
Perks & Discounts
Casual Dress
Commuter Benefits
Company Outings
Stocked Kitchen
Some Meals Provided
Happy Hours
Pet Friendly
Home Office Stipend for Remote Employees
Professional Development Benefits
Job Training & Conferences
Lunch and learns
Promote from within
Time allotted for learning

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