Senior Backend Engineer

Canopy is a fully remote company that is truly at the forefront of fintech and (embedded) lending in the B2B space. Canopy is on a mission to revolutionize the lending and repayment process for borrowers and lenders alike. Our goal is to provide an intelligent servicing layer that enhances loan repayment and flexibility through innovative technology and supporting lending programs by handling reporting, reconciliation, compliance, audibility, security, and more.

At Canopy, we value people who thrive in a collaborative and high-autonomy environment. We emphasize the importance of blending well with your team and eliminating workplace politics and other demotivators. We prioritize actions over ideas and appreciate high-context writing and meetings. At Canopy, diligence and commitment are always recognized.

Canopy has raised over $34M from top fintech investors with our last round being co-lead by Foundation Capital & Infinity VC . Major investors like Canaan & Homebrew round out the board of directors. With participation from Commerce VC, BoxGroup, Kleiner Perkins and Lightspeed. Canopy has a strong angel and advisor network of Chris Britt (Chime), Louis Beryl (cofounder of Earnest), Ryan Petersen (Flexport), Justin Goldman (RenoFi) and many others.

Learn More About the Future of Servicing: To dive deeper into where servicing is headed and the emerging trends in fintech, check out this insightful article by Fintech Takes: The Servicing Imperative

What We Do:

- Provide a modern, API-driven loan management and servicing platform

- Provide flexible lending constructs: revolving, installment, hybrid, with flexible policies so lenders can

 differentiate themselves and maximize their service to borrowers

- Ensure compliance and security for our lenders and borrowers

Here are examples of some of our capabilities:

- Main API

- DataDirect

- LoanLab

- Canopy Connect

- Safeguard

In this role, you’ll be making some of the most significant decisions for the company. You’ll get to work with other engineers to build delightful features that span various parts of the system, as well as our business, sales, and operations teams to understand and solve our users’ pain points. Familiarity with lending and financial services is a plus; otherwise, you must demonstrate a strong willingness to learn and grow your understanding, which our team will support fully.

• Develop and maintain scalable software solutions by thinking carefully about component design and modularity (we lean towards clean/onion architecture)
• Collaborate with cross-functional teams to understand borrower acquisition, verification, underwriting, origination, servicing, and back-office functions (learning the domain is a big part of working at Canopy)
• Participate in product problem selection, product problem validation, and make sure you understand the problem space and desired outcomes 
• Contribute to and manage architecture decision records (ADR) and RFCs to ensure system quality
• Manage deployments and on-call rotations with a "you write it, you own it" mentality, supported by our DevOps team at all times. Given our high SLA, the estimated actual time you might need to address any alerts is very low. On average, you might expect fewer than one incident per month, with each incident typically requiring around 1.5 hours to resolve
• Build cool things with cool people

• Onboard and understand the system, with proactive onboarding sessions with our engineering team
• Learn about your pod, the history of your pod, and how your pod prefers to work
• Start specializing in a specific area of the servicing domain and become an owner
• Refactor at least one subsystem to improve modularity and reduce coupling
• Run one deployment processes and take on-call rotations
• Write and manage multiple ADRs and think creatively to simplify systems

• Creating Simplicity
• Knowledge Transfer
• Coordination and Teamwork
• Motivating Others
• Personal Growth

• Python
• SQL (RDS)
• S3
• DynamoDB
• Other AWS technologies
• Linear
• Notion
• Slack
• Fathom

• A culture of growth – Get in now and grow with us!
• Equity as part of our competitive comp packages
• Flexible vacation
• Paid parental leave
• 401(k) match
• Monthly stipends for employee wellness and food
• Excellent health, vision, and dental package
• Home office set-up package
• Yearly team offsite somewhere fun

Why Join Us?

- Be a part of the lending space that has not seen true innovation in decades

- Enjoy a fully remote work environment with a focus on performance over presence

- Contribute to a platform that makes a real difference in the lives of small and medium businesses

- Be part of a fast-growing company with significant growth opportunities

We are dedicated to building a diverse, inclusive and authentic workplace, so if you're excited about this role but feel your past experience doesn't align perfectly with every qualification in the job description, we encourage you to apply anyways. You may be just the right candidate for this or other roles.

About Canopy

Canopy is a modern platform for managing and servicing loans. Our flexible, API-first architecture ensures any brand can embed financial products, bring those products to market quickly, and support borrowers with world-class service in a highly secure and compliant way.

With Canopy’s API and CanopyOS, fintechs, banks, and credit unions can improve borrower repayment rates, increase net promoter scores, and decrease the cost of servicing for lending and credit card products.

Canopy is a values-based business that believes we can have a huge impact and do it in a way that we all are proud of. We value empathy towards our customers, our teammates, and ourselves. Individuals that have a history of and enthusiasm for transparency, and who understand the importance of gratitude and celebrating every step forward (and the occasional step backward), will do well here.