Software Engineer (SWE2)

KEY FACTS

• Base salary: $225,000
• Equity: 0.10%–0.20% (founding-team tier)
• Location: SF or PA • 5 days in-office
• Experience: 3–6 years of production engineering
• Reports to: VP of Engineering (when hired) / Bruce Kim (CTO)

For most people, managing money means juggling six apps, missing the rate change they never knew to look for, and hoping their budget spreadsheet is still accurate. That's not a tool problem. That's an intelligence problem.

BankGPT is building personal financial intelligence for every American — an AI that sees every account, understands the full picture, and takes real action. Not a dashboard. Not a chatbot. A new category of consumer product. We have day-one distribution reaching 200M+ Americans, which means what you ship in Q1 reaches real people in Q1.

We're hiring engineers who want to own the experience layer — the conversations, the insights, the moments that make someone's financial life meaningfully better. You'll build on a platform already serving millions of interactions, alongside a founding team that ships fast and decides faster.

Why This Role Is Unique

As a Software Engineer (SWE2) at BankGPT, you sit at a rare intersection: working directly with OpenAI's research team on frontier model capabilities while shipping those breakthroughs into a consumer product that touches millions of people's financial lives. Most engineers get one or the other. Here you get both.

What You'll Do

• Ship consumer-facing features across BankGPT mobile and web — conversational AI interfaces, account aggregation, transaction intelligence, proactive notifications, dynamic UI generation.
• Build integrations with core banking systems, Plaid/MX, and LLM APIs.
• Own features end-to-end: architecture, implementation, testing, observability, iteration based on real user data.
• Work hand-in-hand with senior engineers, PMs, and both founders every day.

What We're Looking For

• 3–6 years of production engineering shipping code that real users depend on.
• Strong generalist chops in modern web/mobile stacks. TypeScript/React/Node or similar.
• Extreme AI fluency — uses AI tools daily, has rebuilt their workflow around them.
• Hunger and speed over credentials and pedigree.
• Bias to learn and tolerance for ambiguity.
• Preferred: Top 20 CS degree + relevant startup experience. Exception: exceptional startup track record with deep contributions can substitute for school pedigree.