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Senior Engineer
Remote (US)
Mid-level +2
Posted 2 months ago
Why is this role awesome?
There are $3T worth of vehicles owned outright in the U.S., and tens of millions of their owners are denied by traditional lenders. You'll be joining a founding team that has successfully built a $100M ARR business to transform the future of consumer credit.

About Us:

Hi there, we're Otto, and we are changing the way people finance their daily lives.

As you're reading this, 1 in 4 people in the U.S. lacks access to affordable credit and resort to using high interest, predatory loans (think: Payday, Title, Pawn, and Personal Loans) to make ends meet. These 300%+ APR short term loans trap borrowers in a downward debt spiral and severely limit their chances for getting ahead.

Leveraging modern technology, we are building the world's first asset-backed revolving credit product that makes lending decisions agnostic of credit score and delivers standard interest credit card through a simple mobile platform. We are unlocking the value trapped within the $3 trillion worth of vehicles owned outright in the United States to provide sustainable credit for those that need it most.

We are backed by leading VCs, accomplished entrepreneurs, respected philanthropists, and founders from across the U.S. Our backers are the minds and investors behind the success of the Apple Card, Dave, Scribd, Parse, Twitch, Substack, Notion, LinkedIn, among others.

In past lives we have built and scaled a $100m+ ARR business, worked on apps used by millions of people for national brands, and fostered multi-million dollar public private partnerships. We are poised to fundamentally change the way millions of Americans use credit to improve their daily lives.

  • 💰Competitive Compensation
  • 📈Equity
  • 🍎Insurance
  • 🏝Unlimited PTO

What we're looking for:

We’re looking to bring amazing front-end, backend, and generalist engineers onboard to our founding team.

In the Backend role:

  • You will make access to credit more reliable, reduce transaction costs for everyone, and help under-banked households with financial mobility.
  • You will be working directly at the infrastructure layer interacting with card networks & banks and help build our own processing stack. You’ll be architecting, designing, and developing a large, complex project.

We’re looking for someone who:

  • Has 3+ years of experience writing high quality code in a programming language (e.g., Node, Ruby, Scala, Go).
  • Enjoy thinking about systems - their life cycles, edge cases, interactions, and failure modes.

In the Front-End role:

  • You will build intuitive frontend mobile applications using modern frameworks.
  • You will participate in the product development process from start to finish, from helping scope projects to measuring their success and iterating based on user feedback.

We’re looking for someone who:

  • Has 3+ years of experience with React Native, or some other multi-platform framework. Node and back-end development experience is a nice to have.
  • Can balance between speed of iteration and quality of code. We follow good practices such as testing and code review while iterating fast based on user feedback. We don’t expect you to reinvent the wheel for everything -- we use libraries and dependencies to get things done fast without compromising on reliability and usability. Speed of iteration to get to product market fit is key for us and you’ll be working with a team that moves fast.
  • Being good at UI design is a nice to have.

These are senior level roles with competitive salary and equity incentives. We prefer your location to be in Texas but are remote friendly. We can setup a multi-round interview process or start on a contract basis in the next 1-2 weeks, and if we see a mutual fit, we’ll offer a full-time founding role.

Email us at people@ottocredit.io if you’re interested! 


Otto
There are $3T worth of vehicles owned outright in the U.S., and tens of millions of their owners are denied by traditional lenders.
Size:  1-10 employees
Year Founded:  2021
Investors
Pelion Venture Partners
Mark Cuban
Jackson Moses
Vivek Garipalli
Bloom venture partners
Leo Polovets
Spacecadet Ventures