Software Engineer, Product (Remote USA)

Prelim

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Location: United States
Job Type: full-time
Salary: $160K – $170K
Posted: April 15, 2026

Job Description

Build the platform that will power every type of financial institution onboarding

Prelim is seeking a Software Engineer, Product to join our rapidly growing and fully remote US team. You'll have the opportunity to architect and build the platform that handles every conceivable type of financial institution onboarding, from simple deposit accounts to complex treasury services for millions of people. If you're passionate about solving massive-scale engineering challenges and eager to be part of a fast-paced remote startup culture, we encourage you to apply to join our team today!

As a Software Engineer, Product at Prelim, you will own critical parts of the platform that powers digital onboarding for financial institutions across the world. You'll work directly with our customers, product team, and engineering leadership to build systems that handle everything from online deposit account opening to in-branch experiences, account maintenance, treasury services onboarding, credit card applications, and every other type of financial institution onboarding imaginable.

This isn't just another full-stack role, it's the chance to build the infrastructure that millions depend on.

Key Responsibilities:

Architect and build features across our entire stack handling massive scale and complexity.
Build, enhance and fix the systems that seamlessly integrate with legacy bank infrastructure, core banking systems, and third-party compliance providers.
Solve complex technical challenges around multi-tenant architecture, real-time data processing, and bank-grade reliability requirements.
Work directly with major banks to understand their unique onboarding requirements and translate complex business logic into elegant technical solutions.
Own the performance, scalability, and reliability of systems processing millions of applications across hundreds of different banking products.

Qualifications:

Experience with modern web technologies (React, Node.js, PostgreSQL preferred). Whether you're a new graduate with impressive projects or an experienced engineer, we want to hear from you.
Strong system design skills and experience with scalable architectures, you'll be building systems that immediately help millions.
You thrive on solving complex technical problems with business context. You can break down complicated banking requirements and build elegant solutions.
You care about business impact and can balance technical excellence with shipping features that move the business forward.
You think deeply about user experience, whether you're building for every day people opening accounts or bank employees processing applications.
You're excited about working directly with customers, understanding their complex needs, and iterating quickly based on feedback.
You want to own significant parts of the product and help shape technical decisions as we scale.
Legally authorized to work in the United States and located within the continental United States

About Prelim

Prelim is a San Francisco and New York City-based startup that operates with fully remote positions across the US, helping banks onboard their customers. Our platform is designed to streamline the account opening process for both consumers and businesses, accelerating speed-to-market and enhancing the customer experience for financial institutions. If you’re excited to help shape the future of the banking industry, we encourage you to apply and join our team at Prelim. We are seeking individuals who are driven, ambitious, and eager to make a real impact in a traditional industry ready for technological innovation.

We offer equity, a sponsored 401K, parental leave, and fully paid health, vision, and dental insurance. Additional benefits include unlimited PTO, a remote work stipend, a life-style stipend, and twice-yearly company retreats.

Prelim values diversity and inclusion; people of all backgrounds are welcome to join our mission to transform banking.

🎯 Who is this job for?

This role suits a Middle to Senior Software Engineer (or strong Junior with standout projects) who is comfortable building scalable, full-stack systems using React, Node.js, and PostgreSQL. The candidate should have solid system design skills, experience with distributed architectures, and be familiar with real-time processing, integrations with legacy systems, and high-reliability environments. They should enjoy solving complex, business-driven problems, working напрямую with customers, and owning end-to-end features in a fast-paced startup.

💬 Potential Interview Questions

How would you design a multi-tenant architecture for a banking onboarding platform?
A multi-tenant system should isolate customer data while sharing infrastructure efficiently. This can be achieved using tenant IDs, schema separation, or database-per-tenant strategies depending on scale and security requirements.
How do you ensure scalability in a system handling millions of onboarding applications?
Use horizontal scaling, load balancing, and asynchronous processing (e.g., queues). Optimize database queries and introduce caching layers to reduce latency under high load.
What challenges arise when integrating with legacy banking systems, and how would you handle them?
Legacy systems often lack modern APIs and have inconsistent data formats. Use adapter layers, robust error handling, and retries to ensure reliable communication.
Explain how you would design a real-time data processing system for onboarding workflows.
Leverage event-driven architecture with message brokers like Kafka or RabbitMQ. This allows decoupled services to process events such as application submission or verification in real time.
How would you optimize a PostgreSQL database for high read/write throughput?
Use indexing, query optimization, connection pooling, and partitioning. Additionally, implement read replicas to distribute read-heavy workloads.
What considerations would you take into account when building a React frontend for financial applications?
Focus on performance, accessibility, and security. Ensure proper state management, input validation, and protection against vulnerabilities like XSS.
How do you ensure reliability and fault tolerance in a banking-grade system?
Implement redundancy, health checks, circuit breakers, and automated failover. Monitoring and alerting systems are also critical for early issue detection.
Describe how you would handle complex business logic for different banking products.
Abstract business rules into modular services or rule engines. This allows flexibility and easier updates as requirements evolve.
How do you balance shipping features quickly with maintaining high code quality?
Use iterative development with strong code reviews, automated testing, and CI/CD pipelines. Prioritize critical paths while managing technical debt.
How would you improve the user experience for both customers and bank employees in onboarding flows?
Simplify workflows, reduce form friction, and provide clear feedback. Use analytics and user feedback to continuously refine the experience.

📋 Job Summary

Prelim is a fast-growing US-based fintech startup building a platform that powers digital onboarding for financial institutions. As a Software Engineer, Product, you’ll design and scale systems across a modern stack (React, Node.js, PostgreSQL), tackling complex challenges like multi-tenant architecture, real-time processing, and bank-grade reliability. This is a fully remote role (US) with a $160K–$170K salary, where you’ll work closely with customers and own impactful product areas used by millions. Join to shape the future of banking, solve high-scale engineering problems, and make a tangible impact in a traditionally underserved industry.