Senior Software Engineer, Credit

Who We Are

Finance leaders choose Billtrust to get paid faster, control costs, and maximize customer satisfaction. As the leader in B2B accounts receivable workflow and payment software, we provide the world's leading brands with AI-powered solutions across the full AR lifecycle—from invoice presentment and payment processing to cash application and collections. With over 2,600 global customers, more than $1 trillion in invoice dollars processed, and a proprietary network of 13 million buyers, Billtrust delivers business value through deep industry expertise and a culture relentlessly focused on meaningful customer outcomes.

We're an AI-first company, not just in what we build for our customers, but in how we work. Across every function, our teams use AI tools daily to work faster, make better decisions, and deliver higher-quality outcomes. We hire exceptional people, give them cutting-edge AI capabilities, and measure success by the impact they create. If you want to do the best work of your career at the frontier of AI and fintech, Billtrust is the place to do it.

Our Values

Customers

We relentlessly increase value for customer and do the right thing for them.

Action

We make 'thoughtfully fast' decisions, act quickly, cut through red tape, deliver progress not perfection, take ownership and accountability.

Team Spirit

We put the team ahead of ourselves, foster trust and respect, collaborate with passion, despise toxic politics, value our differences, and celebrate together.

Innovation

We challenge the status quo, experiment thoughtfully, and are novel and brilliant in what we create.

Excellence

We love to win, but we hate losing even more. We aspire to be the best and take pride in our work. When we fall short, we own it and come back stronger.

Senior Software Engineer, Credit

The Sr. Software Engineer designs solutions and delivers complex features for our product platforms using AI tools throughout the development lifecycle. As a senior member of a small, collaborative pod,this position is accountable for complex features end-to-end---leveraging AI assistance for specification, implementation, quality validation, deployment, and post-deployment support while ensuring rigorous quality outcomes at each stage. The Sr. Software Engineer interfaces with Technical PMs and fellow engineers to deliver scalable SaaS products with high velocity. This position drives evolution of AI-assisted development practices, mentors team members on effective AI tool usage, and shares knowledge across pods

What You'll Do

Own end-to-end specification quality for complex features – ensure specs are comprehensive, unambiguous, and address all edge cases and non-functional requirementsLead AI-assisted implementation for complex features, ensuring high-quality outcomesCollaborate with Technical PM to translate complex product requirements into detailed technical specificationsUse AI coding tools (Claude Code) to generate implementations from specificationsReview AI-generated code and peer contributions for correctness, security, performance, and architectural alignmentValidate AI-generated tests and ensure comprehensive test coverage for complex scenariosDesign performant software with a DevOps mindset that will scale as our volumes increaseDesign and implement REST APIs following established patternsMentor engineers on effective AI tool usage, spec writingtechniques, and code review practicesShare knowledge and experience across your pod and other teamsDrive improvements to AI-assisted development practices including spec templates, prompt patterns, and validation workflowsLead technical decisions and own domain expertise within your pod s areaSupport and maintain both UI and backend services within your pod s domain

Qualifications

Bachelor's degree in Computer Science (or equivalent experience), along with a firm understanding of data structures and scalable software design5+ years of relevant software engineering experience designing and implementing scalable SaaS softwareStrong ability to write code in Java, JSP, Node.js, XML technologiesProven ability to code/support HTML5, CSS/Sass, Angular, React, TypeScript/Javascript, and other web technologiesAbility to design and implement REST APIsStrong understanding of SQL and relational databases, such as SQL Server or MySQLWell-honed skills in source control management using Git or similarDemonstrated experience working with AI coding assistants (Claude Code, Windsurf, or similar)Strong collaboration and verbal communication skills with ability to work closely with Technical PMs, pod members, and cross-functional teamsStrong code review skills with ability to validate correctness and identify issues in AI-generated and human-written codeExperience mentoring engineers through code review, pair programming, or technical guidance

Preferred

Experience with spec-driven, agentic AI workflows where engineers delegate autonomous tasks to AI tools and provide guidance and oversightKnowledge of NoSQL data stores, such as MongoDB or DynamoDBKnowledge of Elastic, Apache Solr and LuceneExperience with AWS, Azure or a similar cloud platformUnderstanding of testable application design principlesExperience leading development process improvements or workflow optimizationTrack record of driving adoption of new tools or practices across teams