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Sr. Software Engineer

June 3, 2026

NinjaHoldings was founded in 2017 by a team seeking to revolutionize the way everyday Americans interact with financial services. Through our CreditNinja and NinjaCard brands, we empower people overlooked by traditional financial institutions to take control of their finances via a full suite of digital banking and lending products, providing incentives and rewards along the way as we guide them on a path to financial improvement. Through our NinjaEdge brand, we help companies better understand their customers by offering a package of bespoke underwriting, fraud detection, and analytics services. With offices in Chicago, Miami, and around the world through the power of remote work, we are a lean and innovative team always seeking like-minded talent to join us in our fight to disrupt consumer finance. Job Summary The Software Engineer will be responsible for building new systems, enhancing and refactoring existing systems, integrating with external systems, and performance projects. This person will work with the existing team of developers, QA and Product Managers to design and implement features, have input on roadmaps and bring prior experience to ensure a world class product. You will work closely with your technical lead to shape the overall Engineering vision and roadmap. This person has built systems from the ground up and had to deal with bad design assumptions and scaling issues. The right candidate has developed good design instincts through a mix of seeing 'what not to do' as well as being a 'student' of good design. You'll be part of a team that works in one of the following areas. <ul><li>Customer Communication - how we communicate with our customers & potential customers. I.e. email, sms, snail mail</li><li>Identity - managing customer and potential customer information</li><li>Decisions - Decision systems for bidding on marketing leads and automatically making underwriting decisions.</li><li>Portfolio Management - Systems responsible for managing the life cycle of our lending and banking products such as integrations to external payment processing systems</li></ul> Key Responsibilities: <ul><li>Design, develop or modify software and/or software systems and also taking the service architecture into consideration</li><li>Analyze user needs to determine how software should be built or if existing software should be modified</li><li>Translate business requirements and specifications into usable and scalable software</li><li>Lead design and code reviews</li><li>Participate in discussions about the team’s future vision and strategy</li></ul> Ideal Candidate Will Have: <ul><li>3+ years of professional experience as a backend software engineer for non-trivial web applications</li><li>3+ years of Ruby on Rails, bonus point for Hotwire Turbo/Stimulus + Tailwind experience</li><li>Thinks critically about work to guarantee business functionality. Understands and takes into account business goals into their technical decisions</li><li>Can break down large initiatives into incrementally implementable deliverables</li><li>Strong communication ability to describe complex problems and solutions</li><li>Able to work across teams to tackle complex issues</li><li>Extensive experience with data model design for relational databases</li></ul> Additional Pluses: <ul><li>Extensive experience using SQL to investigate non-trivial issues or to create complex reporting</li><li>Strong experience on the Frontend or the infrastructure (DevOps)</li><li>Prior FinTech experience</li></ul> Benefits: <ul><li>Competitive salary and benefits package</li><li>Flexible, remote work</li><li>Fun, fast-paced work environment</li><li>Dynamic start-up culture</li><li>Ability to make an immediate impact in a growth stage company</li><li>Equal opportunity employer</li></ul> IMPORTANT NOTICE: Please carefully review communications to ensure that they are from the official Breezy applicant tracking platform (@ninjaholdings.breezy-mail.com) or an official NinjaHoldings brand email: @ninjaholdings.com, @creditninja.com, @ninjacard.com, or @edgescore.com. If you have been contacted regarding a job opening at NinjaHoldings from any other email address, including similar email variations, this is NOT a trusted source. We recommend that you refrain from responding to suspicious emails and file a complaint with the FBI's Internet Crime Compliant Center (IC3) at <a href="https://www.ic3.gov/" data-faitracker-click-bind="true">https://www.ic3.gov</a>. For questions or to confirm the authenticity of a communication, please email hr @ ninjaholdings.com.

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Common Interview Questions And Answers

1. HOW DO YOU PLAN YOUR DAY?

This is what this question poses: When do you focus and start working seriously? What are the hours you work optimally? Are you a night owl? A morning bird? Remote teams can be made up of people working on different shifts and around the world, so you won't necessarily be stuck in the 9-5 schedule if it's not for you...

2. HOW DO YOU USE THE DIFFERENT COMMUNICATION TOOLS IN DIFFERENT SITUATIONS?

When you're working on a remote team, there's no way to chat in the hallway between meetings or catch up on the latest project during an office carpool. Therefore, virtual communication will be absolutely essential to get your work done...

3. WHAT IS "WORKING REMOTE" REALLY FOR YOU?

Many people want to work remotely because of the flexibility it allows. You can work anywhere and at any time of the day...

4. WHAT DO YOU NEED IN YOUR PHYSICAL WORKSPACE TO SUCCEED IN YOUR WORK?

With this question, companies are looking to see what equipment they may need to provide you with and to verify how aware you are of what remote working could mean for you physically and logistically...

5. HOW DO YOU PROCESS INFORMATION?

Several years ago, I was working in a team to plan a big event. My supervisor made us all work as a team before the big day. One of our activities has been to find out how each of us processes information...

6. HOW DO YOU MANAGE THE CALENDAR AND THE PROGRAM? WHICH APPLICATIONS / SYSTEM DO YOU USE?

Or you may receive even more specific questions, such as: What's on your calendar? Do you plan blocks of time to do certain types of work? Do you have an open calendar that everyone can see?...

7. HOW DO YOU ORGANIZE FILES, LINKS, AND TABS ON YOUR COMPUTER?

Just like your schedule, how you track files and other information is very important. After all, everything is digital!...

8. HOW TO PRIORITIZE WORK?

The day I watched Marie Forleo's film separating the important from the urgent, my life changed. Not all remote jobs start fast, but most of them are...

9. HOW DO YOU PREPARE FOR A MEETING AND PREPARE A MEETING? WHAT DO YOU SEE HAPPENING DURING THE MEETING?

Just as communication is essential when working remotely, so is organization. Because you won't have those opportunities in the elevator or a casual conversation in the lunchroom, you should take advantage of the little time you have in a video or phone conference...

10. HOW DO YOU USE TECHNOLOGY ON A DAILY BASIS, IN YOUR WORK AND FOR YOUR PLEASURE?

This is a great question because it shows your comfort level with technology, which is very important for a remote worker because you will be working with technology over time...