Pearl Capital is Hiring a Sr. Software Engineer

Pearl Capital is Hiring a Sr. Software Engineer

Pearl Capital is a financial technology startup with a leading position in the sub-prime merchant cash advance space. We fund small to medium-sized businesses and broker funding arrangements between merchants and other lenders.

We are seeking a talented full-time senior developer to help build out a range of internal and external facing systems and web services, which will need to interact using different technologies and protocols. Coding will involve various languages ranging from Java/C++ to custom scripting and web languages. The ideal candidate will be excited about building and maintaining client/server systems that need to interact reliably on a day-to-day basis, and less focused on the language being used.

This opportunity is on-site, in Jersey City, but there some flexibility in telecommuting (up to 2 days per week remotely).


Company Size and Health

Pearl Capital is a Fintech company whose business model generates extra liquidity for small merchants. They are a brilliant business that takes the Amazon "platformization" idea (everything you do in house you should offer it in a XaaS model as well) to heart. Pearl Capital is a merchant cash advance business, but they also allow other investors to come in and jointly fund deals in their portfolio and they white label their internal software for other Merchant Cash Advance companies to use it in their operation. You seldom see companies that "get" the modern world of business this well.

Pearl Capital is Venture backed, having raised $35m in funding but they also have revenues in the $20m range. They are a huge business supporting a tremendous amount of financial transactions. This is not your average selfie startup, resiliency and software quality matters here.

Pearl's strategy is white glove and they provide a tremendous amount of help and support (marketing, strategy, underwriting) to their Merchant Cash Advance business partners. The company is being built on a rock-solid foundation of long-lasting relationships, as well as extreme end to end product quality. Everything is elite quality, from the illustrations on their main site to the quality of their back end code and the marketing help they provide to their partners.


Open Position: Sr. Software Engineer

This role will have a direct impact on company growth, working closely with the business to improve existing systems and build out the next generation of products that our clients and customers will interact with. This is a hands-on position for a software author – someone who is passionate about being a great programmer.


  • Participate in all stages of software development lifecycle: design, develop, test, deploy, maintain, and improve software;
  • Manage individual project priorities, deadlines and deliverables;
  • Interact with the business users to gather requirements;
  • Enhance existing business systems to support our changing marketplace;
  • Build out new applications to support our customers / white-label initiatives;
  • Work with members of our research, CRM, and web teams to build integrations between the various systems.


Job Requirements, and Benefits

We are looking for an experienced individual who is a lifelong learner and who's passionate about correctness in the software they build. The compensation is very competitive and includes full benefits and 401k.



  • 7+ years hands-on development experience with at least one system/application-level language such as Java or C/C++;
  • Ability to make extensive use of proprietary in-house systems, databases, and data flow control systems.
  • Must be comfortable diving in to existing code bases to understand what they do and make enhancements;
  • Interest and ability to learn other coding languages, as needed;
  • Strong programming skills and obsessive attention to detail;
  • Working proficiency and communication skills in verbal and written English;
  • Self-disciplined, motivated, and eager to learn!


  • Flexible onsite/offsite work arrangements as needed (must commute to office minimum 3x a week)
  • Company sponsored lunches
  • Full snack bar
  • Gourmet coffee/espresso bar and all the water, Snapple and soda you can drink
  • 401(k) plan with employer match
  • PTO, paid holidays

Interview Process

  1. Apply via this webpage.
  2. If your experience matches our requirements, we will conduct a brief recruiter screening.
  3. Chat with a Pearl Capital HR representative
  4. Phone screen with technical manager
  5. Small technical programming project
  6. In person on-site interview

Application Form