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Betterment

Sr. Software Engineer, Product Engineering

NY, United States

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Job details

Posting language: English
Posted: Nov 6, 2026

Original job description

About Betterment

Betterment is a leading, technology-driven financial services company that offers investing, savings and retirement solutions for retail investors and investment advisors as well as financial wellness solutions, including a 401(k) for small and medium-sized businesses. Our team is passionate about our mission, to empower people to build wealth with confidence and ease. We’re headquartered in NYC and offer hybrid NY-based positions (four days/ week in-office, with no required office days during the summer and winter holidays).

About the role

The Product Engineering teams at Betterment build the applications our customers use when they are logged in to their Betterment accounts. We are looking for Senior Full Stack Engineers to join us in furthering our mission to make people’s lives better by providing delightful experiences that have been Betterment’s hallmark since inception.

Our software guides customers through the most important life events in their financial journey. Whether it’s saving to buy a house or planning for retirement, hundreds of thousands of people rely on us to invest and save their money. If you are passionate about financial wellness and are driven to solve complex problems that make saving and investing simple, this role is for you.

As a Senior Full-Stack Engineer, you’ll work collaboratively with our Mobile, Product, and Design functions to guide and delight our customers on their financial journey.

This role is based out of our NYC office. Below we've reflected the base salary range for this position. Actual salaries may vary depending on factors including but not limited to location, experience, and performance. The range listed is just one component of Betterment’s total compensation package for employees.

New York City: $170000 - $195000

This job may also be eligible for variable compensation in the form of a company incentive bonus.

A day in the life

Lead medium-to-large scale initiatives, partnering with teammates and adhering to software development best practices in order to ship high quality software continuously and iteratively.
Collaborate with our Product & Design teams to build delightful experiences that help our customers save and invest.
Balance innovation with the need to maintain application performance and security.
Hands-on experience using AI coding tools in production work, with the judgment to know when to lean on them, when to verify closely, and when to write it yourself.
Maintain a high bar of excellence in your work quality, setting an example for and mentoring less experienced Engineers to do the same.
Create efficiency. Our software helps customers save time and money. We maintain it through clean code, rigorous testing and pragmatic programming
Collaborate with purpose. You’ll work in small groups with other talented Engineers and figure out how to make Betterment’s software better.
Contribute to an environment of open communication, where engineers feel empowered to share ideas and take initiative to solve problems that contribute to achieving company objectives.

What we’re looking for

Strong experience in object-oriented programming; Ruby on Rails is preferred. Experience with Java, Python, C#, or Node.js is welcomed.
Proficiency in building frontend applications using React.js or a similar framework
Experience building APIs using GraphQL.
Proficiency with relational databases, including designing schemas and writing detailed SQL queries.
A strong command of fundamental algorithms and data structures.
Proven ability to lead and manage projects that span one or more teams, considering tradeoffs to ensuring on-time delivery while maintaining high standards of quality, performance and security.
Passion for building delightful front end interfaces and components.
Passion for ongoing learning and knowledge-sharing.
Adept at approaching complex engineering challenges with innovative and unconventional solutions.

Join a team built on these core values

We change lives

Be a part of a community of innovators working to transform financial outcomes for real people. Your work will make an impact, always laddering up to our mission; to empower people to build wealth with confidence and ease.

We set audacious goals

We set them for the company, our customers, and ourselves, and we won’t stop until we reach them. We don’t just show up; we give our all, then celebrate our wins.

We value all perspectives

When we collaborate, we're at our best. We believe diverse perspectives lead to better outcomes and strive to uphold our supportive and inclusive community.

We simplify financial services

We’re financial services pioneers, always finding new ways to improve, optimize, and enhance. Constant improvement is in our DNA.

Our Commitment to Your Total Well-being:

We offer a competitive suite of benefits, including medical, dental, and vision coverage; life and AD&D insurance; short- and long-term disability; infertility support and WPATH-aligned transgender health benefits; an Employee Assistance Program (EAP); transit benefits and FSA and HSA options
Ownership: Equity for all employees, including new hire and refresher grants.
Time: Flexible paid time off, paid parental leave, and a fully paid four-week sabbatical in your sixth year.
Growth: Company-paid professional coaching for all employees.
Wealth: Day-one 401(k) match plus matching on qualified student loan payments.

What happens next

We’ll take a few weeks to review all applications. If we’d like to spend more time with you, we’ll reach out to arrange next steps, which will include 3-4 sets of meetings with your future colleagues.

In the interview process, we’ll look to learn more about your skills, experiences, capabilities, and motivators. Many of our questions will be aimed at understanding how you might operate here at Betterment. Depending on the role, we may ask you to complete a case study exercise or technical assessments, as we want to collect a robust set of data points to better inform our decisions.

On average, it takes us around 3-5 weeks to make a hiring decision, depending on your availability and sense of urgency. As a best practice, we aim to interview at least 2-3 final round candidates before making a hiring decision. Please note that, as we usually receive an overwhelming number of applications for open positions, we’re unable to offer individual feedback during the interview process.

We recognize that interviewing for a new role is a big deal. We appreciate you considering Betterment as the next step in your career, and our Recruiting Team is here to support and advocate for you through the interview process!

Betterment is dedicated to providing accommodations to candidates upon request. If you need accommodations at any point throughout the interview process, please reach out to your recruiter.

Please note that in any materials you submit, you may redact or remove age-identifying information such as age, date of birth, or dates of school attendance or graduation. You will not be penalized for redacting or removing this information.

Come join us!

We’re an equal opportunity employer and comply with all applicable federal, state, and local fair employment practices laws. We strictly prohibit and do not tolerate discrimination against employees, applicants, or any other covered persons because of race, color, religion, creed, national origin or ancestry, ethnicity, sex, gender (including gender nonconformity and status as a transgender or transsexual individual), sexual orientation, marital status, age, physical or mental disability, citizenship, past, current or prospective service in the uniformed services, predisposing genetic characteristic, domestic violence victim status, arrest records, or any other characteristic protected under applicable federal, state or local law.

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More about this job

Skills

Software development
Coaching
Communication skills
Brainstorm ideas
Object-oriented programming
Ruby on Rails
Oracle Java
Python
C#
Node.js
GraphQL
SQL
Manage several projects

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