Software Engineer II, Backend (Credit Decisioning)
•Affirm· 22h
💻 Engineering📝 Contract📈 Mid Level💰 $125k-175k🇨🇦 Canada
22h ago
Tacto·2 months ago
You’ll join the team that owns Tacto’s analytics product and its tool stack - the engine that turns messy procurement data into clear, actionable “here’s where you can save” opportunities.
We work in the B2B procurement space, where every price point and supplier decision matters. On top of ClickHouse, we ingest our customers’ spend and supplier data, detect anomalies and patterns using both classic algorithms and AI, enrich these with external price indices and market signals, and then surface ready-made opportunities:
“Here’s where you’re overpaying. Here’s how big the savings are. Here’s what you should look at next.”
Every opportunity is the result of a chain of models, rules, and product decisions you’ll help shape - from data ingestion to AI-driven scoring and the UI that lets procurement teams act. If you want to build production AI features instead of just prototypes, this is your home.
As a Software Engineer in this team, you will:
Help design and evolve the analytics engine that identifies saving potential across millions of rows of procurement data.
Shape how we combine customer data, anomalies, and external indices into a single, coherent signal our customers can trust.
Build product features that don’t just show charts, but clearly answer: “Where is my biggest opportunity and what should I do now?”
Turn advances in AI and machine learning into robust product features - from anomaly detection and opportunity scoring to smart explanations that help users trust the system.
Work closely with product, design, and procurement experts to iterate quickly, measure impact, and ship improvements continuously.
Raise the bar for engineering quality and ways-of-working in line with our Tacto Engineer principles (see below).
2025 is a year where AI in software is moving at peak velocity. In this role, you’re not just watching that wave from the outside - you’re helping us ride it and turn it into real savings for our customers.
In this role, you will:
Build and evolve our analytics pipelines
Work on services that ingest customer data into ClickHouse and Postgres.
Implement algorithms and AI-powered detectors that highlight anomalies and patterns worth a closer look.
Build AI-powered analysis & decision logic
Experiment with and integrate models (from simple heuristics to modern AI approaches) that detect outliers, cluster behavior, or suggest opportunities.
Evaluate model performance on real customer data, tune thresholds, and design fallback strategies so the system behaves reliably in production.
Work with product and design to decide how AI output is surfaced - explanations, confidence, and “why this?” are first-class product concerns.
Turn raw data into “opportunities”
Design domain models that connect transactions, suppliers, materials, and external price indices.
Aggregate, enrich, and interpret these signals into clear “saving potential” suggestions.
Ship customer-facing features
Implement end-to-end features across backend and frontend that help procurement teams identify, prioritize, and act on opportunities.
Work with React/Next.js to build workflows that feel fast, opinionated, and intuitive - more like a great CRM than a spreadsheet.
Own your work in production
Instrument features with metrics and logging so we know what’s working - and where AI-driven logic needs refinement.
Debug tricky data issues and keep the system reliable as we scale to more data and more customers.
Collaborate as a true product engineer
Partner with design and product early in the problem-shaping phase.
Bring your own ideas to the table - from technical approaches to UX suggestions, including new ways to leverage AI where it genuinely helps users.
You don’t have to be a perfect “full-stack unicorn” on day one - but you should be excited to go up and down the stack where it makes sense, and to work hands-on with AI as part of your daily toolkit.
We’re mainly looking for strong mid-level and senior engineers, but we absolutely encourage up-and-coming engineers with real product experience and a steep learning curve to apply.
You’ll likely be a great fit if you:
Have experience shipping production software in a modern product team (B2B SaaS, analytics, or data-heavy products are a plus).
Bring depth in either a modern Python backend (FastAPI, async IO, SQL, data modeling) or a TypeScript/React/Next.js frontend (hooks, state management, component design, performance), and are motivated to grow into the other side.
Are comfortable with databases and data - you write solid SQL, care about schemas and correctness; experience with ClickHouse or other analytical databases is a plus.
Think in domains, not just endpoints - modeling concepts like suppliers, materials, contracts, price indices, and opportunities comes naturally, and ideas like domain-driven design resonate with you.
Are genuinely curious about AI in real products - whether you’ve already built LLM-backed features / anomaly detection or are actively learning and want to get closer to production use cases.
Communicate clearly and enjoy collaboration - you pair when it helps, give and ask for feedback, and like turning fuzzy problems into clear plans.
If you’re excited about building data-intensive, AI-powered products that directly move real money for customers - and you see yourself growing into a “Tacto Engineer” (see below) - we want to talk.
We don’t just hire for skills; we hire for how you build, learn, and collaborate.
Our expectations are described in detail here:
👉 The Tacto Engineer: https://en.tacto.ai/engineering
These principles are the floor, not the ceiling. In the process, we explicitly look for signals in these dimensions - including how you use AI as leverage, not as a crutch: you stay in control, think independently, and apply good judgment.
If you read that page and feel “this is how I want to work”, you’ll likely enjoy being here.
For this role you’ll mainly work with:
Backend & data: Python, FastAPI, Postgres, ClickHouse, event-driven and data-heavy services with clear domain boundaries.
Frontend: React, Next.js, TypeScript, Tailwind CSS, Storybook for our design system and UI components.
Collaboration: GitHub (code & reviews), Linear (issues), Figma (product & design).
AI tooling: We actively embrace AI in our day-to-day work - from coding and code review to data exploration and prototyping detectors. Whatever helps you build better and faster - Cursor, ChatGPT, Claude, Gemini, or others - we’ll pay for the tools you want to use.
You don’t need to know every single tool on this list already. We care more about your ability to learn fast, reason well, and apply good engineering judgment - and to use the current AI wave thoughtfully to build a product that really matters.
Tacto builds an AI-driven procurement platform. Our mission is to strengthen Europe’s industry by future proofing their supply chains. We streamline how companies buy, negotiate and manage procurement – we help them optimize their by far largest cost driver to stay competitive in the long-run. Trusted by hundreds of companies, Tacto transforms procurement into a strategic advantage.
Based in Munich, our team of builders, entrepreneurs and industry experts is creating technology that truly matters. We’re backed by some of the best investors in the world including Sequoia Capital, Index Ventures, Cherry Ventures, Visionaries Club, UVC Partners as well as the founders of Personio, GetYourGuide, Helsing & Forto.
The industry forms Europe’s economic backbone, driving more than a fourth of Germany’s GDP and providing over 30% of jobs. These hidden champions and global market leaders manufacture the physical world around us, from the machines that build our cities to the medical devices that save lives.
Today, a world of growing uncertainty and disruption is threatening their position. To stay stronger and competitive, the industry must unlock new efficiencies – and procurement is their largest, strategic lever to do so.
At Tacto, we deliver tangible cost savings and strategic resilience at a time when it’s needed most. Our work extends beyond technology – it’s about protecting the foundation of Europe’s economy for generations to come.
An environment where we enable you to have an impact and where we focus on outcomes, not time-tracking
A vibrant in-office culture (4 days/week) in a beautiful office
26 + 4 vacation days per year (4 fixed “company rest days”)
Wellpass membership and access to Jobrad, for your health
Additional voluntary pension contribution and KITA subsidy, for you and your family’s future
Competitive salary & meaningful equity stake, so you are invested in our success
Tacto is an equal opportunities employer. We are committed to equal employment opportunity regardless of race, religion, sexual orientation, age, marital status, disability or gender identity. Please do not submit personal data revealing racial or ethnic origin, political opinions, religious or philosophical beliefs, trade union membership, data concerning your health, or data concerning your sexual orientation.