Principal Engineer

Happy Money

Happy Money

Software Engineering
Posted on Tuesday, May 2, 2023
Happy Money is a financial technology company that offers a people-first lending experience in partnership with credit unions and other community-focused financial institutions. Our vision of transforming the lending industry comes to life through our connected platform of financial partners who help offer a happier digital lending experience that meets the needs of today’s customers. Through automation and proprietary underwriting models, we offer flexible rates and payment plans that work best for borrowers’ unique financial situations. And we are expanding the reach of our core product, The Payoff Loan™ for credit card debt reduction, to even more consumers via embedded financial services.
Backed by leading investors, Happy Money has helped over 310,000 borrowers since its inception – working with lending partners to fund more than $5.7 billion in loans*. As a fully distributed company, Happy Money has a passionate and purpose-driven employee base of over 300 people across the United States. For more information, please visit
Happy Money’s Engineering team is seeking to hire a hands-on Principal Software Engineer to lead systems design and architecture initiatives spanning multiple divisions delivering products and services in support of Happy Money’s lending business. You will take on multiple projects to assess and identify challenges, and propose design solutions in collaboration with engineers, data scientists, and product stakeholders to deliver a highly available, and delightful customer experience for Happy Money Customers.


  • Working cross functionally to identify system requirements, and designing the architecture of critical systems
  • Leading engineers to design and develop critical systems
  • Influence and gaining consensus to impact the technology roadmap
  • Promoting best practices and mentoring other engineers
  • Leading by example, taking ownership of the design and development of system components
  • Fostering an environment of continuous improvement to increase engineering efficiency
  • Evangelizing development maturity through combined engineering and the full development life cycle


  • Full stack development engineer with breadth of experience in system design, application architecture, and test driven development
  • Goes deep to diagnose problems and communicate solutions broadly
  • Comfortable with ambiguity, you are curious, and a motivated self learner
  • Thrive in an environment fostering freedom and responsibility
  • Results oriented, and knows how to unblock yourself and others to achieve goals and objectives
  • Excellent prioritization and time management skills capable of leading multiple projects
  • You are a polyglot capable of learning new languages and technologies quickly
  • Experience designing system architecture
  • Experience designing service-oriented architecture
  • Experience and strong understanding of microservices architecture
  • Experience designing and developing cloud based solutions
  • Understanding of containerization technologies
  • Production experience developing in Java, C#, Go, or other languages
  • Production experience developing scalable/highly available consumer applications
  • BS/Master degree in Computer Science or related field of study OR relevant work experience


  • Background developing Business to Business (B2B) APIs in the financial space to support bank accounts, lending, or other embedded API experiences
  • 5+ or more years of experience leading teams as a tech lead or people manager
  • Experience using models, algorithms, and ML technology in production systems to solve core business problems
  • Hands-on experience with ReactJS, Typescript, Javascript, and GraphQL
  • Strong hands-on experience with at least one SQL and one NoSQL variant, i.e. Postgres, MySQL, MongoDB, DynamoDB, Redis
  • Experience in designing and deploying systems to AWS
  • Experience with queueing technologies (Kafka, MSK, RabbitMQ) is a plus


  • Salary range for this position is 205 - 255k USD
  • Competitive salary and equity in high growth start-up
  • Medical, dental, and vision insurance options covered at 100% for you & family
  • 401k Plan with a matching contribution
  • Generous PTO
  • Monthly Health and Wellness Days
  • 12 Weeks Paid Family Leave
  • Company-paid short & long term disability and life insurance
  • Happy Home Allowance to contribute to your home office workspace
  • Happy Money is a 100% fully distributed workforce