Staff Engineer - Lending

Location: San Francisco

Department: Development

This is Adyen

Adyen has a clear ambition to become the world's most customer-focused financial technology platform.  We provide payments, data, and financial products in a single solution for customers like Meta, Uber, H&M, and Microsoft - making us the financial technology platform of choice. At Adyen, everything we do is engineered for ambition.

For our teams, we create an environment with opportunities for our people to succeed, backed by the culture and support to ensure they are enabled to truly own their careers. We are motivated individuals who tackle unique technical challenges at scale and solve them as a team. Together, we deliver innovative and ethical solutions that help businesses achieve their ambitions faster.

Staff Engineer - Lending

Adyen’s Financial Products team is building innovative financial offerings to expand beyond traditional payments and meet customers' needs. We are seeking a Staff Engineer to join us in building the foundational system that underpins Adyen’s credit and lending capabilities. This includes our Capital offering, which provides a frictionless experience for granting capital to merchants and sub merchants with automatic repayment over time. 

As Staff Engineer, your primary focus will be on leading cross-team projects to help build the infrastructure that will power all of Adyen’s lending and credit financial products. The role encompasses the entire lending products lifecycle, from initial underwriting, credit scoring and decisioning to loan servicing, arrears management, and portfolio performance optimisation.

What you'll do

• Launch and scale embedded lending products for our enterprise customers, in collaboration with product and commercial counterparts;
• Provide architectural and design leadership to build a strong foundation for our Financial Products offering;
• Design, build, and optimize Adyen’s credit and loan origination platform to ensure a robust and frictionless credit risk assessment process;
• Mentor engineers to uphold high standards of and technical excellence;
• Drive a culture of continuous innovation by challenging the status quo and introducing transformative ideas.
  
  

Who you are

• Must have:
• 2+ years of experience developing lending or credit products;
• 7+ years of hands-on development experience in a modern engineering environment;
• Technical leadership experience, including mentoring engineers and leading an engineering strategy;
• Building a credit engine or core components of a lending platform, including underwriting, credit scoring, credit decisioning, and servicing;
• Proactive relationship-builder with strong communication skills and the ability to work closely with diverse stakeholders across cultures;
• Self-starter who can identify problems and figure out solutions

• Nice-to-have:
• Building products for the B2B enterprise market;
• Working in both European and US markets, with an understanding of their different regulations and challenges.

Compensation

We offer a competitive compensation package that includes both a base salary and equity in the form of RSUs. Base salary ranges are location-dependent:

The annual base salary range for this role is $255,00 to $348,000 plus RSU's; to learn more about our compensation philosophy, please click here.

Our Diversity, Equity and Inclusion commitments 

Our unique approach is a product of our diverse perspectives. This diversity of backgrounds and cultures is essential in helping us maintain our momentum. Our business and technical challenges are unique, and we need as many different voices as possible to join us in solving them - voices like yours. No matter who you are or where you’re from, we welcome you to be your true self at Adyen. 

Studies show that women and members of underrepresented communities apply for jobs only if they meet 100% of the qualifications. Does this sound like you? If so, Adyen encourages you to reconsider and apply. We look forward to your application!

What’s next?

Ensuring a smooth and enjoyable candidate experience is critical for us. We aim to get back to you regarding your application within 5 business days. Our interview process tends to take about 4 weeks to complete, but may fluctuate depending on the role. Learn more about our hiring process here. Don’t be afraid to let us know if you need more flexibility.

This role is based out of our Chicago office. We are an office-first company and value in-person collaboration; we do not offer remote-only roles.

You must be work authorized in the United States without the need for new visa sponsorship. The company can support visa transfers but will not sponsor individuals for H-1B CAP applications.