At Sunbit, we're building financial technology that puts people first. By combining intelligent decisioning with a personalized, transparent approach, we help consumers access the payment options that are right for them while empowering merchants to build stronger customer relationships.
Engineering is at the heart of how we make that happen. We build scalable distributed systems, cloud-native services, intelligent data platforms, and AI-powered solutions that enable real-time financial decisions at scale. By leveraging modern engineering practices and integrating AI into both our products and development workflows, we solve complex technical challenges, accelerate innovation, and continuously improve the way we build software. Every service, model, and architectural decision we make directly impacts our products, our customers, and the future of financial technology.
What You’ll Do
Sunbit is seeking a Senior Python Software Engineer to join our high-impact Risk Team. The Risk Team sits at the heart of our decisioning engines, powering every Sunbit product through a state-of-the-art fusion of predictive machine learning models and real-time market strategies.
In this role, you will lead backend development for new financial products, working closely with ML Engineers to build robust, fault-tolerant infrastructure that supports complex predictive models. You will design and scale high-volume, low-latency systems that execute critical financial decisions in milliseconds. We are looking for an engineer who understands end-to-end software architecture and possesses the business acumen to transform strategic goals into engineering reality.
Key Responsibilities
- Architect & Build: Design and implement resilient, low-latency backend solutions capable of handling high-throughput, high-availability demands.
- Solve Complex Systems Challenges: Tackle intricate architectural problems by applying deep expertise in distributed systems and performance optimization.
- Cross-Functional Collaboration: Partner closely with ML engineers, product managers, and data scientists to operationalize decisioning logic smoothly.
- Maintain & Scale Infrastructure: Safeguard system health, ensure continuous operational stability, and optimize runtime performance.
- Drive Technical Excellence: Advocate for clean code, solid design patterns, robust testing, and maintainable software architecture.
- Mentor & Empower: Elevate the engineering team by mentoring junior developers, leading technical discussions, and fostering a culture of continuous learning.
- Proven track record in designing, scaling, and maintaining high-performance microservices architectures.
- Hands-on proficiency with Python, Kafka, FastAPI, and relational databases like MySQL.
- Strong foundational knowledge of data structures, clean code practices, and asynchronous programming.
- Excellent problem-solving skills with a proactive, self-motivated approach to technical ambiguity.
- Fluent in spoken and written English with strong collaboration skills.
Preferred Experience:
- 7+ years of professional software engineering experience focusing on large-scale distributed systems.
- Experience with cloud platforms, ideally AWS.
- Passion for modern AI tools and a drive to integrate them into daily engineering workflows to enhance productivity.
- Prior experience in Fintech, real-time financial decisioning engines, or risk platform
Recruitment Fraud Disclaimer
We’ve been made aware of fraudsters impersonating Sunbit employees during the hiring process. Please note that all official communication will come from an @sunbit.com email address, through our applicant tracking platform @sunbit.comeet-notifications.com or directly via LinkedIn. We will never ask for your age, Social Security number, bank account details, payment of any kind, or other unrelated personal information during the application process. Our hiring process always includes interviews, either by phone, zoom, or in person, before any offer is made. If something feels suspicious, please contact us at HR to confirm. We ask that you contact HR only about potential instances of fraud. HR does not reach our recruiting team directly. Your application directly through the posting is the best way to ensure that your candidacy is reviewed by our team. Due to the volume of applications, we will not respond to nor forward emails about your candidacy that are sent to HR directly, and your email about your application will be deleted from our systems.
Skills Required
- Proven track record designing, scaling, and maintaining high-performance microservices architectures
- Hands-on proficiency with Python
- Experience with Kafka
- Experience with FastAPI
- Experience with relational databases like MySQL
- Strong knowledge of data structures, clean code practices, and asynchronous programming
- Excellent problem-solving skills and proactive approach to technical ambiguity
- Fluent spoken and written English
- 7+ years professional software engineering experience focusing on large-scale distributed systems
- Experience with cloud platforms, ideally AWS
- Experience or interest in integrating modern AI tools into engineering workflows
- Prior experience in Fintech, real-time financial decisioning engines, or risk platforms
Sunbit Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Sunbit and has not been reviewed or approved by Sunbit.
-
Healthcare Strength — Feedback suggests the benefits package includes broad medical, dental, and vision coverage alongside related supports like life insurance and spending accounts. The overall offering is often described as solid by US tech/fintech norms, even when details vary by role.
-
Retirement Support — Feedback suggests a 401(k) with company matching is part of the rewards package. This is positioned as a core, consistent element of the overall benefits offering.
-
Leave & Time Off Breadth — Feedback suggests time-off benefits can be generous in some roles, including listings of unlimited PTO and paid holidays. At the same time, certain postings indicate a more traditional fixed PTO structure, implying variability by role type.
Sunbit Insights
What We Do
Sunbit is the preferred buy now, pay later technology of service providers and retailers fulfilling the needs of thousands of local communities. Sunbit eases the stress of buying everyday things by offering access to fast, fair and transparent payment options to people across the credit spectrum. Sunbit technology is offered in-store and online through more than 7,300 locations, including 1 in 4 auto dealership service centers, optical practices, dentist offices and specialty health care services. Payment options through Sunbit can be found at these establishments www.sunbit.com/shop-directory Loans are made by Transportation Alliance Bank, Inc., dba TAB Bank, which determines qualifications for and terms of credit.
Why Work With Us
Sunbit technology is used to reduce the stress from daily purchases by helping shoppers realize the full potential of their buying power while providing local businesses with tools to sell easier. With experts in machine learning, retail, and financial services, we’re trailblazing new technology that helps lenders open the door to fair financing.
Gallery
