Migo

51 - 100 Employees
11 - 25 Engineers
$25M - $50M Funding
Series B

Imagine if every time you went to the doctor you paid cash up front before you were treated, where every time you rented an apartment you paid 2 years cash up front, or where your monthly paycheck was frequently delayed for months at a time. Then imagine if you had no access to loans, credit cards, or even bank accounts. This is everyday life for over 3 billion people in developing countries around the world and we are on a mission to change it.

Migo provides a cloud-based platform that enables banks and merchants to offer credit to customers in countries without functioning credit bureaus. We build ML algorithms on customer phone records, bank records, and payment transactions to assess credit risk, along with full automation to manage the credit application and delivery process. The net result is a seamless user experience where customers of our partner institutions can apply for and receive a loan in less than 60 seconds or make instant purchases with virtual or physical credit cards.

Although we just raised a Series A and have partnerships that provide an immediate audience of tens of millions of consumers, our company is still at a formative stage where you can get in on the ground floor and have immense impact. Come join us on what promises to be a remarkable journey bringing financial services to billions of consumers in need around the world!

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Active Roles
Why join us?
  • We're solving one of the world's great social inequality challenges of our time: access to credit.

  • We've done over 2.5 million loans since launching our service publicly in 2017

  • Our team came out of the Pervasive Parallelism lab at Stanford which has spawned multiple AI companies.

  • We're funded by TPG, the 2nd-largest investor in Silicon Valley. More famous TPG companies are the likes of Spotify, Airbnb, and Uber.

  • We pay above market to attract and keep the best talent. Rest assured you will be working with bright, capable colleagues.


Engineering at Migo
Engineering team and processes

Our engineering team consists of seasoned systems and machine learning engineers. The systems engineers own the core microservices infrastructure, while the machine learning engineers own the data science microservice(s) deployed within. The engineering team also leads local deployment teams in creating and owning integrations/frontends which hook into the core system. In terms of processes, we run a scrum process via Clubhouse at weekly meetings supplemented with daily standups and most communication / technical discussions on Slack. This works well for us to remain agile since the team is small and seasoned. All code changes run through peer reviews as well as continuous integration and multiple test environments.

Technical Challenges

One interesting challenge at Migo is that the need for defensive, robust, and scalable programming is much more apparent when dealing with developing countries as the systems we integrate with might not have the level of technology standards as we do in the US. In addition, building packaged financial services globally comes with challenges of security, portability, and performance, forcing our designs to be clean and highly reusable across countries and languages.

Projects you might work on
  • Architecting microservices for better modularity/performance.

  • Integration work with new payment processors / banks / telcos / etc.

  • Security improvement around data transfers within/across countries.

  • Bayesian modeling for credit scoring and prediction of loan default.

  • Manifold learning for disparate datasets of different dimensionality.

  • Social graph modeling, reputation systems, fraud detection.

Tech stack
AWS
Docker
Kubernetes
Java
Scala
Python
Pytorch
Git

Working at Migo

Think creatively. Read constantly. Actively seek other opinions. Embrace change, even when radical. Obsess over customer needs. Always show humility and respect. Embrace diversity. Be honest, even when uncomfortable. Be data driven, always.

Generous Vacation

Migo has an unlimited vacation policy.

Free Food

We are in San Francisco's SOMA district, and we offer free lunch every day, and happy hours on Friday.

Gym/Fitness

We give our employees $100 each month to cover gym membership or fitness classes.

Travel

Migo has international offices in Lagos and soon in other markets as we expand. We have offsites in the Bay Area and Lagos so you get to see a completely different part of the world.

Beautiful Office

We are located in the SPACES building in San Francisco's SOMA district (3rd St & mission). We have a large private office, large conference rooms, espresso bar, rest / private areas, and space for chatting & socializing.

Company Retreats

We have company retreats once a quarter. For our last event we spent 3 days at a beach house in Pescadero where we barbequed, roasted marshallows, cooked our own food, and played ping pong and pool. Fun times!

Flexible Hours

Most of our engineers are in the office from 9.30 until 6.30 pm but we don't have any hard rules around this. If you need a work-from-home day, feel free to take one. We care about productivity, not hours.

Health Insurance

We provide full medical and dental coverage.

Transportation

We give our employees $100 each month to cover parking or transportation costs.

Other

We have a transparent compensation policy and pay top of market salaries to attract the best candidates.

401(k) Contribution

We don't have enough US-based employees to get a 401k plan yet, but we will once we do.

Relocation

We offer a $5000 relocation stipend and will move all your furniture if you are coming from out of state.

Workshops/Conferences

We encourage our engineers to attend conferences and workshops. It's on us! We think it's important to continue to grow and learn.

Maternal/Paternal Leave

It's hard work taking care of babies. We allow a 3-month, fully covered maternal and paternal leave.

Team Activities

On Fridays, we go to the bar for happy hour.

Work from Home

While we value collaboration in the office, we know it's occasionally necessary to be home, so we support working from home one day per week.


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