Settle

remote, sf
26 - 50 Employees
11 - 25 Engineers
$10M - $25M Funding
Series A

Settle is a FinTech company on a mission to help businesses thrive by taking the worry out of cash flow management. We’re building software making it super easy for finance teams to track, pay, and reconcile invoices. We pair that with lending products to offer our customers the power and flexibility to choose who, when, and how to pay their customers.

Active Roles

Why join us?

  • While only being about a 2 year old company, we are growing 20-30% month over month with yearly revenues exceeding $20 million and yearly loan volume exceeding $1 billion.

  • Our leadership team has extensive experience in fintech, ecommerce, and supply chain from companies like Affirm and Flexport. Much of the engineering team is from Affirm as well. Our investors include Founders Fund, Caffeinated, and Kleiner Perkins.

  • We are helping companies that traditionally don't have access to capital or financing scale and grow. Our customers are now selling their products to major retailers, like whole foods.

  • We are considered one of the top fintech startups according to CB Insights and Business Insider.


Engineering at Settle

Engineering team and processes

Our engineering team is an incredibly supportive and collaborative group of people. We are always looking to improve our processes and systems and enable engineers to spend time and effort doing so. In terms of processes, we have 1 week cycles (not fully sprints), try to document as much as possible in notion, and engineers deploy to production multiple times a day.

Technical Challenges

Given that Settle deals with a business's finances, our technical challenges are rather complex. We have to underwrite these businesses, be able to OCR invoices in PDF form, ensure that payments are accurate and done on time, make sure that invoices are synced with third party accounting software, and much more.

Projects you might work on
  • You would be building an API that supports uploading invoice data. This API would be used both in the app and with 3rd party integrations.

  • You would be improving the payments stack and supporting foreign exchange payments and have retry logic for failures.

  • You would help building an underwriting API that takes in business data and returns a credit limit based on a data model.

Tech stack
Ruby on Rails
React
PostgreSQL

Working at Settle

Keep it Simple

Payments are hard. Accounting is hard. Risk is hard. That doesn’t mean we should make it hard for our customers. We must strive to make things as simple as possible for our customers, or someone else will. Removing friction through technology will keep us a step ahead of our competitors.

Build Trust

We are not a bank, but our customers trust us with their money. We build trust by upholding our responsibility to do the right thing. We build trust by being reliable.

Be Supportive

Running a business is hard. We must help each other out even if it’s outside your area of responsibility. We must help our customers during their journey. Have empathy for our customers and each other. Everything won’t go right - how we act in those times will make a difference.

Have Humility

We don’t know everything. Having the humility to say that and ask for help, matters. We all make mistakes, without them we wouldn't be taking enough risks. See mistakes and failures as opportunities and have the humility to own them when they are yours and be supportive when they are made by others. Take time to learn from them, and seek ways to help yourself and your colleagues avoid similar mistakes in the future.

Bias for Action

Responding to customers as fast as possible is a superpower. Our biggest advantage vs a large incumbent is our speed. As we scale, we must seek to ship value to customers ever more rapidly. We value experimentation, incremental shipping, and creative solutions that give customers fast value over perfect and polished but slow rollouts.

Be Curious

Don’t assume the way things are, are the way things should be. There might be a better way. How can we make things better? No matter what role or where in the business, we all have an equal voice. What can we learn from others to improve our products and ourselves?

Perks & benefits
  • Company Retreats

    We just went to Denver a few months ago and plan to have company retreats on some regular cadence.

  • Generous Vacation

    Unlimited Vacation Policy

  • Health Insurance

    We provide medical and dental coverage.

  • Work from Home

    We are a remote first company. There is no expectation that you come into the office.

  • Dedicated Human Resources team
  • Flexible Hours
  • LGBTQ+ friendly
  • Team Activities
  • 401(k) Contribution
  • Maternal/Paternal Leave

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