Software Engineer II, Credit Limit Engineering

Engineering at Brex

Engineering at Brex is about building systems that scale with speed and intention. Our teams span Software, Data, Security, and IT, and operate with high autonomy and deep collaboration. We tackle hard technical problems, own our outcomes, and push for excellence at every level — from architecture to deployment. It's an environment where engineering is a craft, and builders become leaders.

What you'll do

As a Software Engineer on the Credit Limit Engineering team, you will build the critical systems that power Brex's credit decisioning and risk management. You'll work across the entire stack to create solutions that responsibly extend credit to businesses while managing billions of dollars in credit exposure.

Our team owns the complete credit experience, including the underwriting engine that evaluates applications and sets limits, financial connectivity systems that integrate with banks to pull real-time data, ML-powered credit models that assess risk, customer-facing tools for managing credit limits, and internal platforms that enable our teams to manage risk at scale.

You'll be working on high-impact, technically challenging problems: building real-time data pipelines that process millions of financial transactions, serving ML models with strict latency requirements, designing event-driven architectures for credit decisioning, and creating intuitive customer experiences for complex financial workflows.

Where you'll work

This role will be based in our São Paulo office. We are a hybrid environment that combines the energy and connections of being in the office with the benefits and flexibility of working from home. We currently require a minimum of 3 days per week in the office - Monday, Wednesday and Thursday. As a perk, we also have up to four weeks per year of fully remote work.

Responsibilities

• Build and maintain critical financial infrastructure, including bank connection integrations (Plaid, Finicity, Teller), financial statement processing systems, and real-time transaction data pipelines.
• Develop and optimize the underwriting engine that powers credit decisions for thousands of businesses, ensuring sub-second latency and high reliability.
• Implement customer-facing features for credit limit management, bank connections, and financial data collection in our React/TypeScript dashboard.
• Collaborate with Credit Risk, Capital Markets, and Product teams to translate business requirements into scalable technical solutions.
• Design and build internal tooling for Operations and Portfolio Management teams to manage credit risk and handle edge cases.
• Own problems end-to-end, from user experience and API design to data models, scalability, and ongoing observability.
• Work with ML models in production, integrating credit risk models (PD models, affordability frameworks) into real-time decisioning flows.
• Participate in on-call rotation and maintain high operational standards for mission-critical systems.

Requirements

• 2+ years of full-time software engineering experience with a focus on backend development.
• 1+ year of experience in financial systems, payments, underwriting, or a fintech application or experience in building systems for other regulated industries (e.g. healthcare, legal)
• Strong curiosity for digging deep into the technical problems, and strong ownership capable of delivering high quality solutions
• Experience building and scaling production systems, preferably in data-intensive or financial domains.
• Proficiency in backend technologies (e.g., Kotlin, Java, Typescript) and comfort with our stack (Kotlin and Micronaut).
• Experience architecting, developing, and testing full-stack applications end-to-end.
• Comfort working with databases (e.g., PostgreSQL), event streaming (e.g., Kafka), and distributed systems.
• A high bar for engineering standards: code quality, testing, observability, and operational excellence.
• Strong written and verbal English communication and interpersonal abilities.