Sr. Ruby on Rails Engineer

| Chicago, IL, USA | Remote
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NinjaHoldings was founded in 2017 by a team seeking to revolutionize the way everyday Americans interact with financial services. Through our CreditNinja and NinjaCard brands, we empower people overlooked by traditional financial institutions to take control of their finances via a full suite of digital banking and lending products, providing incentives and rewards along the way as we guide them on a path to financial improvement. Through our NinjaEdge brand, we help companies better understand their customers by offering a package of bespoke underwriting, fraud detection, and analytics services. With offices in Chicago, Miami, and around the world through the power of remote work, we are a lean and innovative team always seeking like-minded talent to join us in our fight to disrupt consumer finance.

Job Summary:

The Senior Software Engineer will be responsible for building new systems, enhancing and refactoring existing systems, integrating with external systems, and performance projects. This person will work closely with PM's, Engineering Leads, and fellow engineers.

This person has built systems from the ground up and had to deal with bad design assumptions and scaling issues. The right candidate has developed good design instincts through a mix of seeing "what not to do" as well as being a "student" of good design.

What You’ll Work On:

You'll be part of a team that works in one of the following areas.

  • Underwriting which decides if a customer is approved for a loan
  • Loan management system which involves 3rd party integrations and the general state machine of a loan
  • Marketing which involves bidding and processing loan applications through multiple marketing channels
  • Performance projects involving a mix of application code and interactions with our Postgres DB; business is good and we need to scale.
  • You will work closely with your technical lead to shape the overall Engineering vision and roadmap.


  • 5-10+ years of professional experience as a backend software engineer for non-trivial web applications
  • Experience working with Frontend developers
  • Experience working in Ruby a must (ideally 7+ years)
  • Strong communication ability to describe complex problems and solutions
  • Experience in an object-oriented programing language such as Ruby and Python
  • Experience working with heavy web application development frameworks – specifically Ruby on Rails
  • Extensive experience with data model design for relational databases

Additional Pluses, but not requirements:

  • Extensive experience using SQL to investigate non-trivial issues or to create complex reporting
  • Strong experience on the Frontend or the infrastructure (DevOps)
  • Experience working in Python


  • Competitive salary and benefits package
  • Flexible, remote work
  • Fun, fast-paced work environment
  • Dynamic start-up culture
  • Ability to make an immediate impact in a growth stage company
  • Convenient downtown Chicago office located in the heart of the city
  • Equal opportunity employer
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Technology we use

  • Engineering
  • Product
    • JavaLanguages
    • PythonLanguages
    • RLanguages
    • RubyLanguages
    • SqlLanguages
    • Ruby on RailsFrameworks
    • Microsoft SQL ServerDatabases
    • MySQLDatabases
    • PostgreSQLDatabases
    • RedshiftDatabases
    • Periscope DataAnalytics


222 S Riverside Plaza, Chicago, IL 60606

What are NinjaHoldings Perks + Benefits

NinjaHoldings Benefits Overview

CreditNinja provides an exciting, fast-paced work environment that allows employees to make an immediate impact on a growth stage company. Perks and benefits include: 401k Match, Medical/Dental/Vision/Life Insurance, casual dress policy, health and wellness policy, competitive salaries, equity grants, and more!

Open door policy
OKR operational model
Team based strategic planning
Open office floor plan
Employee awards
Flexible work schedule
Remote work program
Health Insurance & Wellness Benefits
Flexible Spending Account (FSA)
Disability insurance
Dental insurance
Vision insurance
Health insurance
Life insurance
Wellness programs
Financial & Retirement
401(K) matching
Company equity
Performance bonus
Employees are eligible to earn cash and stock bonuses for exceptional performance
Child Care & Parental Leave Benefits
Generous parental leave
Family medical leave
Vacation & Time Off Benefits
Unlimited vacation policy
Generous PTO
Paid holidays
Paid sick days
Bereavement leave benefits
Office Perks
Company-sponsored outings
Free snacks and drinks
Company-sponsored happy hours
Fitness stipend
Home-office stipend for remote employees
Onsite gym
Professional Development Benefits
Lunch and learns

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