Principal Software Engineer, Money Group
WFA Digital Insight
As the demand for fintech specialists grows, with a 25% increase in 2025, Gusto's Money Group is at the forefront of innovation. With over 500,000 small businesses supported, this Principal Software Engineer role is a unique chance to shape the future of financial infrastructure. Candidates should be well-versed in AI, Excel, and financial systems, with a strong understanding of what makes a scalable architecture. Before applying, consider how your technical expertise can drive real impact on the small business economy.
Job Description
About the Role
The Principal Software Engineer will serve as a technical lead across multiple teams in Gusto's fastest-growing organization, the Money Group. This role is critical in defining the long-term technical vision for systems that power cash flow management, lending, expense controls, invoicing, payments, and tax optimization. The successful candidate will have a deep understanding of financial systems, AI, and Excel, with the ability to set architectural direction, vet external partners, and prototype new product lines.As a cornerstone of Gusto's transformation into the Small Business Finance Platform, the Money Group is building a unified financial operating system for small businesses. This includes accounting, banking, payments, lending, and tax, all connected to Gusto's payroll and people platform. The Principal Software Engineer will play a key role in architecting the convergence of Gusto's People Stack and Finance Stack into a unified platform.
What You Will Do
- Define the north-star architectural vision for the Money Group and identify shorter-term projects that move towards it
- Serve as a technical lead across multiple teams, setting architectural direction and ensuring high-quality delivery
- Architect the convergence of Gusto's People Stack and Finance Stack into a unified platform
- Lead service migration from a large Ruby-on-Rails monolith to a more scalable architecture
- Collaborate with external partners to integrate new services and features
- Mentor engineers and provide technical guidance to teams
- Develop and maintain technical documentation and architecture diagrams
- Participate in code reviews and ensure adherence to coding standards
- Stay up-to-date with industry trends and emerging technologies in fintech and AI
What We Are Looking For
- 8+ years of experience in software engineering, with a focus on technical leadership and architecture
- Strong understanding of financial systems, including cash flow management, lending, and tax optimization
- Experience with AI and machine learning, particularly in the context of financial services
- Proficiency in Excel and financial modeling
- Strong technical skills in programming languages such as Ruby, Java, or Python
- Experience with cloud-based infrastructure and scalable architecture
- Excellent communication and leadership skills, with the ability to mentor and guide engineers
- Strong problem-solving skills and attention to detail
- Experience with agile development methodologies and version control systems
Nice to Have
- Experience with fintech or banking industry
- Knowledge of payments infrastructure and multi-party integrations
- Familiarity with mobile-first experiences and mobile app development
- Experience with data analytics and data visualization tools
- Certification in a relevant technical field, such as cloud computing or cybersecurity
Benefits and Perks
- Competitive base pay and benefits package
- Equity (RSUs) and stock options
- Flexible work arrangements, including remote work options
- Opportunities for professional growth and development
- Access to cutting-edge technologies and tools
- Collaborative and dynamic work environment
- Comprehensive health insurance and wellness programs
- Generous paid time off and vacation policy
- Annual stipend for professional development and education
How to Stand Out
- Tip: Showcase your experience with financial systems, AI, and Excel in your resume and cover letter.
- Be prepared to discuss your technical vision and architectural approach in the interview.
- Highlight your ability to communicate complex technical concepts to non-technical stakeholders.
- Emphasize your experience with agile development methodologies and version control systems.
- Consider including examples of your technical leadership and mentorship experience in your application.
- Research Gusto's products and services to understand the company's mission and values.
- Prepare to discuss your experience with cloud-based infrastructure and scalable architecture.
This is a remote position listed on WFA Digital, the platform for professionals who work from anywhere. Browse more remote jobs across all categories.