Senior and Midlevel Full Stack Product Engineers

Alloy helps solve the identity risk problem for companies that offer financial products by enabling them to outpace fraud and confidently serve more people around the world. Over 600 of the world’s largest financial institutions and fintechs turn to Alloy to take control of fraud, credit, and compliance risk, and grow with the clearest picture of their customers.

Through our values: Be Bold, Get Scrappy, Collaborate, and Celebrate Our Differences, we are creating a workplace where you can grow, thrive, and belong. See how we’ve been continuously recognized and named one of Inc. Magazine’s Best Workplaces, Forbes America’s Best Startup Employers, Best Fintech to Work for by American Banker, year after year.

Check out our investors and read more about us here.

We’re hiring for a few engineers within our product engineering group, so we wanted to make the application process a bit easier for interested engineers who could see themselves working in more than one of these roles – if this is you, we get it, we have a lot of interesting challenges to work on!

All of our product engineering squads consist of 6-8 engineers (mid-level and senior) as well as a PM, designer, and EM. All engineering teams at Alloy work all across the Alloy codebase and product and regularly collaborate with other engineering squads and with folks beyond engineering too. We're an overall engineering department of 90 people; your impact will be felt immediately, and opportunities will grow as the company scales up.

Alloy operates in a hybrid-work environment. We look to foster collaboration and community by having our local employees onsite twice a week.

• Collaborate with engineers, designers, and product managers to translate our product and technical vision into a concrete roadmap, guiding the team towards success.
• Architect, develop, test, and deploy significant customer-facing features and projects using cutting-edge tools and technologies.
• Work on both the front-end and backend, with the ability and willingness to lean in on either side of the stack at different times as needed, depending on the project. Our tech stack includes TypeScript, JavaScript (ES6/React), Node.js, PostgreSQL, OpenSearch, and AWS.
• Craft high-quality, thoroughly-tested code that meets the unique requirements of our clients, ensuring robustness,reliability, and continuous improvement of our platform.
• Work closely with other engineers, 
• Embrace an iterative approach, swiftly iterating on features and solutions based on valuable feedback from both our product team and clients, ensuring continuous improvement and alignment with user needs.
• For senior roles: providing technical mentorship and guidance, and fostering a culture of learning and growth.

In summary, you will play a pivotal role in driving our product development efforts forward, leveraging your technical expertise and leadership skills to deliver impactful solutions and foster a collaborative and high-performing team environment.

This position has a salary range of $161,000 to $189,000.

The Build team owns the core logic of Alloy’s decisioning platform. We create tools to allow our customers to build out their policies using our flexible decisioning engine in a way that supports a wide range of use cases, from the simplest ones to the most complex. In Build, we focus on unlocking new functionalities for our customers, ensuring that our policy-building platform is both robust and easy to use, and continuously improving the experience of building and maintaining our clients’ unique policies in Alloy.

An ideal candidate:

• Possesses a minimum of 6 years of hands-on experience in developing production-ready software, demonstrating a proven track record of delivering robust and scalable solutions.
• Exhibits expertise in steering both front-end and backend technical projects, adept at prioritizing tasks, defining requirements, and facilitating productive discussions within the team to drive informed technical decisions.
• Brings to the table a collaborative mindset, having effectively led engineering teams in collective pursuits, fostering an environment of cooperation and shared success.
• Demonstrates a remarkable ability to adapt swiftly to the evolving needs of our growing organization and dynamic product landscape, ensuring alignment with strategic objectives.
• Proficient in client-side technologies such as TypeScript and JavaScript (ES6/React), as well as server-side proficiency in Node.js, enabling seamless development across the entire stack.
• Holds practical experience working with relational databases, with a strong command over PostgreSQL and its intricacies, ensuring efficient data management and retrieval.

Nice to haves:

• Experience working in Fintech or the financial services industry.
• Proficiency in Python (Django).

This position has a salary range of $161,000 to $189,000.

The Operate product engineering team focuses on improving our customers’ day-to-day operations. We build features to help our customers’ employees make human review decisions about how much of a risk their consumer and business accounts pose and then take action on those decisions.

For example, when a person applies for a new credit card from a bank that’s a customer of Alloy, Alloy runs the bank’s automated rules which lead to three outcomes: auto-decline xor auto-approve xor human review. In a review, the bank’s employee looks at the automated rules’ results, relevant context (e.g. was there a surge this week in applications with very similar personally identifiable information or was this person’s long-dormant account suddenly receiving hundreds of small transactions), and may also ask the person directly for more info. All that info goes into deciding what should ultimately happen with the person’s credit card application and overall account.

The Operate team works to improve these reviews for our customers’ employees, making sure they’re presented with relevant understandable data and context and that they’re able to take useful actions such as

• Freeze hijacked bank accounts until the rightful owners can regain control.
• Release funds for unusual transactions once deemed safe and correct.
• Protect from fraud ring attacks by triaging, escalating, and resolving alerts.
• Reporting financial suspicious activity to governments.

These capabilities and more that the Operate team supports are critical to Alloy—they directly affect the balance of protecting our customers from losses from fraud or compliance penalties while increasing how many legitimate consumers and businesses can buy and benefit from our customers’ financial products.

An ideal candidate:

• Possesses a minimum of 6 years of hands-on experience in developing production-ready software, demonstrating a proven track record of delivering robust and scalable solutions.
• Is undeniably skilled at coding, architecting software systems, and making the most of tools like GitHub, CircleCI, Jira, and Docker.
• Consistently delivers and supports impactful, reliable, scalable, extensible features.
• Leads multi-engineer projects effectively: scoping work and delegating it to other engineers, communicating about the project with leadership, and facilitating productive discussions within the team to resolve blocking issues.
• Is a collaborative colleague who galvanizes others to improve aspects of their work, be it the codebase, tooling, or team processes.
• Has an action-oriented mindset of responsibility: leaving the codebase better than it was, working toward solutions even when a problem isn’t with your or your team’s code, actively helping with on-call incidents and contributing to blameless postmortems after.
• Reacts flexibly to the evolving needs of our organization and customers.
• Has significant fullstack experience working with the core technologies of our stack: React, Node, and Postgres (or else relatable experience with similar technologies).

Nice to have experience with:

• Fintechs or the financial services industry
• Elasticsearch / OpenSearch
• Redshift
• AWS

This position has a salary range of $136,000 to $160,000. 

Connect’s mission is to make it easy for clients and partners to get their data into Alloy, utilize the resulting decisions, and accelerate the integration experience—removing operational hurdles, ensuring data is accessible, and clearly conveying Alloy’s value.

• Simplify access to client data on the platform, enabling informed decision making.
• Enable clients and partners to get all their data into Alloy and use Alloy’s decisions in their own systems.
• Streamline and expedite the integration process for clients, so that connecting to Alloy’s products is celebrated as a stepping stone to success, not a hurdle.
• Ensure that all types of data clients need—whether internal or external—are easily accessible for decisioning.

An ideal candidate:

• Possesses a minimum of 3 years of hands-on experience developing production-ready software, demonstrating a proven track record of delivering robust and scalable solutions.
• Exhibits expertise in building full stack features end-to-end, adept at prioritizing tasks, defining requirements, and facilitating productive discussions within the team to drive informed technical decisions.
• Brings to the table a collaborative mindset, fostering an environment of cooperation and shared success.
• Demonstrates a remarkable ability to adapt swiftly to the evolving needs of our growing organization and dynamic product landscape, ensuring alignment with strategic objectives.
• Strong fullstack experience with modern frameworks and technologies specifically, JavaScript, TypeScript, Node.js, relational databases (ideally PostgreSQL), and React.

Nice to have:

• Proficiency in AWS.
• Proficiency in TypeScript.
• Proficiency in Python (Django).
• Experience working in Fintech or the financial services industry.

Alloy is committed to fair and equitable compensation practices. Below is the anticipated starting base compensation range for this role; however, pay may vary depending on job-related knowledge, in-demand skills, relevant experience, and/or geography. In addition to a competitive base salary, this position is also eligible for equity awards in the form of stock options (ISOs) as well as a competitive total benefits package. Your recruiter will be happy to walk you through the details and what compensation could look like for you specifically!

• Unlimited PTO and flexible work policy
• Employee stock options
• Medical, dental, vision plans with HSA (monthly employer contribution) and FSA options
• 401k with 100% match up to 4% of annual employee compensation 
• Eligible new parents receive 16 weeks of paid parental leave 
• Home office stipend for new employees
• Annual Learning & Development annual stipend
• Well-being benefits include access to ClassPass, OneMedical, and Spring Health 
• Hybrid work environment: employees are expected to work Tuesdays and Thursdays from our HQ in Union Square, Manhattan. Tasty lunches catered from a variety of local restaurants and frequent employee-organized cultural events contribute to our positive office energy. On Monday/Wednesday/Friday most employees Zoom into work from home while some take advantage of the quieter office.

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Alloy is proud to be an equal-opportunity workplace and employer. We’re committed to equal opportunity regardless of race, color, ancestry, religion, gender, gender identity, parental or pregnancy status, national origin, sexual orientation, age, citizenship, marital status, disability, or veteran status. We are committed to an inclusive interview experience and provide reasonable accommodations to applicants with visible and invisible disabilities. We encourage applicants to share needed accommodations with their recruiter.

All Alloy jobs are listed on our careers page. Any communication during the recruitment process, including interview requests or job offers, will come directly from a recruiting team member with an alloy.com email address. We do not use outside applications or automated text messaging in our recruiting process. We will not ask for any sensitive financial or identification information during the recruiting process. If you’re ever unsure, please contact us directly via our website before sharing personal information.