Karat Financial

The black card for creators.

Senior Software Engineer

Job Type
3+ years
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About the role

We're building a bank for creators.

Your favorite digital creators—the ones you follow every day on YouTube, Instagram, TikTok or Twitch—aren’t just extraordinarily talented personalities and community builders. They’re also businesses. That means they have business needs—managing revenues, expenses, savings, credit, banking. We’re building products that help creators spend less time worrying about finances so they can focus on creating.

Some of the things you'll do:

  • Help build 0-1 product. Conceptualize, design, and code—solving problems that span multiple domains. Creating a decoupled debit card from scratch, analytics tools to help influencers understand their finances, or savings accounts with features designed to empower time-starved creators.
  • Refine current product: building new functionality, refactoring, and improving usability and performance. For example, improving our current card onboarding flow, creating a best-in-class rewards program, and productizing our community offerings.
  • Create internal tooling, helping ensure our team has the tools we need to properly support and underwrite the creators we work with.
  • Refine our underwriting algorithm, helping us assess creators and to understand the links between social and financial data.
  • Lead integrations with our financial and banking partners. For example, building a Karat savings account product while leveraging a partner's core banking technology.
  • Help drive company and product strategy as we change how creators and influencers do business.

What You'll Need:

  • Ability to learn quickly.
  • You enjoy picking up new technologies and languages on the go.
  • A love for solving difficult problems with a team of smart peers.
  • You're user focused - you love talking to users, learning their pain points, and brainstorming how best to solve their problems.
  • Prior experience building web applications that have grown quickly and scaled to handle many users.
  • Fluency with React and consider yourself full-stack.
  • Bonus: you're knowledgeable and have previously worked in fintech, with influencers or at a startup.

Even if you don't necessarily meet all of these qualifications, please reach out! We're always on the search for great talent and would love to get to know you!

Why Karat?

  • Huge opportunity.  The creator economy just flew past a $50b milestone despite zero infra for creator banking. It’s our race to lose.
  • Fascinating problems. We reduce financial risk so creators can take creative risks. The work you do in building a creator bank quite literally impacts contemporary culture.
  • The right team.  We’ve worked at the largest investment banks (Goldman Sachs, Morgan Stanley), investment managers (Blackstone, TPG), and social networks (Instagram). We started this company to leverage our experiences to help creators.
  • Culture.  We love hanging out with board games, delicious dinners, and brisk hikes as much as we enjoy delving into personal philosophy, management theory, and nitty gritty business details. Don't be afraid to bring yourself to work!
  • Resources and growth. We’re well capitalized from top investors like Signal Fire and Union Square Ventures; CEOs from YouTube, Twitter, Wealthfront, and CAA; and investors including Twitch co-founder Kevin Lin, Y Combinator, CRV, and Coatue. We keep a lean team, and this is a rare opportunity to join. You’ll learn a lot, build foundational products, and grow as our company scales.

Job Benefits:

  • Competitive compensation and equity.
  • Health insurance.
  • Flexible and remote work culture.
  • Meet with and build for your favorite creators.

We’re a distributed team. This is a full-time role open to anyone in North American time zones.

Why you should join Karat Financial

Banks don’t understand creators. Our customers create content for millions as a full-time career but receive poor service and terrible rates from banks, wasting them both time and money.

We’re building a bank for digital content creators across Instagram, YouTube, Twitch and TikTok, providing them with better rates and savings as their followings grow.

Our team comes from Instagram and Goldman Sachs and we understand these creators are businesses with real income streams along with predictive metrics like fan base, growth, and engagement.

We're backed by investors like YC, Signalfire, Union Square Ventures, Coatue, CRV, and the cofounder of Twitch, and are hiring folks interested in building products at the intersection of fintech and media.

Karat Financial
Team Size:40
Location:San Francisco
Will Kim
Will Kim
Eric Wei
Eric Wei