Software Engineer
Iridium Credit · New York, NY
Founding-team engineer intern building systems that learn debtor payment behavior from real payment histories and generating collection policies that also feed back into underwriting. Work spans the full stack with exposure to the lenders the company serves.
What you'll do
- Build systems that learn debtor payment patterns from payment histories
- Generate collections policy: when, how, and through which channel to reach out
- Feed payment signals back into underwriting of new invoices
- Work across frontend and backend of the platform
- Learn from lenders' credit teams and apply insights to the product
Requirements
- Currently a student on a placement year, year in industry, or summer internship
- Solid coding ability
- Comfortable reading documentation
- Genuine curiosity about AI and LLM systems
Benefits
- Visa sponsorship for international applicants
- Relocation support for international applicants
Skills
Outlined skills are listed as required.
Full original description
Iridium is building the infrastructure that scales invoice finance. So that every business can access the money they're already owed. One hard problem at the core of the company. Not a rotation. Payment Intelligence: Invoices don’t get paid the way the terms say they will. Every debtor has a rhythm - who pays early, who pays at 74 days regardless of what the contract says, whose behaviour shifts before they stop paying entirely. You will build the systems that learn that rhythm from real payment histories and turn it into something the rest of the platform can act on. Collection Policy Generation: Once you can predict how an invoice will actually be paid, the question becomes what to do about it. You will work on generating the collections policy itself - when to reach out, through which channel, and how hard - and on feeding the same signal back into how we underwrite the next invoice. This is a live problem for our lenders, not a research exercise. Across The Stack: Next.js and React on the front, Python and FastAPI on PostgreSQL and AWS behind it, with heavy use of agentic AI, evaluation pipelines, search and retrieval, and time-series data. You will not be handed one narrow slice. You will follow the problem wherever it goes. Forward Deployed: You will get real exposure to the lenders we serve. Sitting in on how they work, seeing which of your assumptions survive contact with an actual credit team, and bringing that back into what you build. Most engineers wait years for that access. Role: An engineer on the founding team with real ownership of work that ships. Not a rotational internship, and not shadowing. Duration: Around four months over summer 2027. We will fit the exact dates around your course. Tech Stack: Next.js / React, Python / FastAPI, PostgreSQL, AWS. Agentic AI, evaluation pipelines, search & retrieval, time series. Who it is for: Students at any university on a placement year, year in industry, or summer internship. Solid coding ability, comfortable reading documentation, and genuinely curious about AI and LLM systems. Location: In-person in New York. We sponsor visas and cover relocation for international applicants.