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Remote role · software

Software Engineer

NinjaHoldings

Chicago, ILSoftware Development
Before you apply

Role details

The practical picture
Work arrangement
Fully remote
Employment
Full-time

Work & location

Remote policy
Remote first culture with convenient downtown office in the heart of the city
Office locations
Chicago, IL, Chicago, Illinois, US
Working hours
Flexible

Experience & eligibility

Experience
3+ years of professional experience as a backend software engineer for non-trivial web applications; 3+ years of Ruby on Rails
Skills
  • Ruby on Rails
  • Backend Development
  • System Design
  • SQL
  • Refactoring
  • Code Review
  • Service Architecture
  • Relational Databases

Compensation & benefits

Benefits
Flexible Paid Time Off; Health Benefits with generous medical, dental and vision insurance plans; 401(k) with matching contribution; Paid Family Leave; Annual Wellness & WFH subsidies; Employee Referral Program
Bonus / commission
Employee Referral Program

Inside the role

Employer overview
Founded in 2017, NinjaHoldings works to give everyday Americans better access to financial services than traditional institutions typically provide. Through our CreditNinja and NinjaCard brands, we offer digital banking and lending products designed for consumers often overlooked, paired with incentives that support long-term financial improvement. Our Edge brand extends this expertise to other companies, providing underwriting, fraud detection, and analytics services. Headquartered in Chicago with a distributed global workforce, we are a lean, growing organization committed to advancing consumer finance in the US.
Role signal brief

The role, at a glance

Extracted from the source posting · 95% confidence

The Software Engineer role at NinjaHoldings involves designing, developing, and refactoring software systems within the CreditNinja, NinjaCard, or Edge brands. Candidates will lead code reviews, translate business requirements into scalable solutions, and work closely with technical leads to shape engineering strategy. The position requires 3+ years of backend experience, specifically with Ruby on Rails, and emphasizes strong communication and cross-team collaboration.

What you need

  • Ruby on Rails
  • Backend Software Engineering
  • Relational Database Design
  • Critical Thinking
  • Communication
  • Cross-team Collaboration

What you will own

  • Design, develop or modify software and/or software systems and also taking the service architecture into consideration
  • Analyze user needs to determine how software should be built or if existing software should be modified
  • Translate business requirements and specifications into usable and scalable software
  • Lead design and code reviews
  • Participate in discussions about the team’s future vision and strategy
Core skills
Ruby on RailsBackend DevelopmentSystem DesignSQLRefactoringCode ReviewService ArchitectureRelational Databases

Remote policyRemote first culture with convenient downtown office in the heart of the city

Internal freshness window ends Oct 22, 2026
View source evidence
  • benefits “Flexible Paid Time Off”
  • company_remote_policy “Remote first culture with convenient downtown office in the heart of the city”
  • employer_overview “Founded in 2017, NinjaHoldings works to give everyday Americans better access to financial services than traditional institutions typically provide.”
  • experience_months “3+ years of professional experience as a backend software engineer for non-trivial web applications”
  • incentive_compensation “Employee Referral Program”
  • job_locations “Job location: Chicago, IL”
  • must_have “3+ years of Ruby on Rails, bonus point for Hotwire Turbo/Stimulus + Tailwind experience”
  • skills “3+ years of Ruby on Rails”
  • work_hours “Flexible Paid Time Off”
ruby on railsbackend developmentsystem designsql
Role brief

Founded in 2017, NinjaHoldings works to give everyday Americans better access to financial services than traditional institutions typically provide. Through our CreditNinja and NinjaCard brands, we offer digital banking and lending products designed for consumers often overlooked, paired with incentives that support long-term financial improvement. Our Edge brand extends this expertise to other companies, providing underwriting, fraud detection, and analytics services. Headquartered in Chicago with a distributed global workforce, we are a lean, growing organization committed to advancing consumer finance in the US.

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.

  • Customer Communication - how we communicate with our customers & potential customers. I.e. email, sms, snail mail
  • Identity - managing customer and potential customer information
  • Decisions - Decision systems for bidding on marketing leads and automatically making underwriting decisions.
  • Portfolio Management - Systems responsible for managing the life cycle of our lending and banking products such as integrations to external payment processing systems

Key Responsibilities:

  • Design, develop or modify software and/or software systems and also taking the service architecture into consideration
  • Analyze user needs to determine how software should be built or if existing software should be modified
  • Translate business requirements and specifications into usable and scalable software
  • Lead design and code reviews
  • Participate in discussions about the team’s future vision and strategy

Ideal Candidate Will Have:

  • 3+ years of professional experience as a backend software engineer for non-trivial web applications
  • 3+ years of Ruby on Rails, bonus point for Hotwire Turbo/Stimulus + Tailwind experience
  • Thinks critically about work to guarantee business functionality. Understands and takes into account business goals into their technical decisions
  • Can break down large initiatives into incrementally implementable deliverables
  • Strong communication ability to describe complex problems and solutions
  • Able to work across teams to tackle complex issues
  • Extensive experience with data model design for relational databases

Additional Pluses:

  • Extensive experience using SQL to investigate non-trivial issues or to create complex reporting
  • Strong experience on the Frontend or the infrastructure (DevOps)
  • Prior FinTech experience

Benefits & Perks:

  • Flexible Paid Time Off
  • Health Benefits with generous medical, dental and vision insurance plans
  • 401(k) with matching contribution
  • Paid Family Leave
  • Annual Wellness & WFH subsidies
  • Employee Referral Program
  • Remote first culture with convenient downtown office in the heart of the city

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 https://www.ic3.gov. For questions or to confirm the authenticity of a communication, please email hr @ ninjaholdings.com.