Product Engineer, Karat Platform

About Karat We're building the one-stop shop for creator finances. Your favorite digital creators—the ones you follow every day on YouTube, Instagram, TikTok or Twitch—aren’t just extraordinarily talented personalities and community builders. They’re also businesses. That means they have business needs—managing revenues, expenses, savings, credit, and banking. We’re building products that help creators spend less time worrying about finances so they can focus on creating. About the Role We’re looking for a Product Engineer to help us build the smallest, smartest back office in fintech. At Karat, we believe great internal systems — powered by automation, AI, and thoughtful UX — can replace layers of manual ops. This is a high-leverage, highly autonomous role for someone who loves building internal tools that feel like magic: fast, reliable, and deeply impactful. You’ll own and evolve the systems that power our operations, support, risk, and compliance teams — from admin dashboards and Slack bots to real-time notifications and AI-assisted workflows. Your work will directly enable Karat to scale efficiently without adding headcount. You’ll partner closely with product, ops, risk, and engineering to identify friction, automate workflows, and build internal platforms that set the gold standard for operational excellence. This position is based in Los Angeles, CA. The compensation for this role is between $130k to $170k. What you’ll do:

• Design and build internal tools used daily by operations, support, and risk teams
• Create automation for key workflows — onboarding, approvals, limits, escalations, and more
• Build AI-powered workflows with humans-in-the-loop to increase team leverage
• Develop admin dashboards, Slack bots, and real-time notification systems
• Partner cross-functionally to identify pain points and solve them with software
• Maintain high reliability, performance, and usability across all internal systems
• Continuously look for opportunities to eliminate manual work and improve operational scale
• Jump into high-priority problems wherever leverage is highest

What you'll need:

• 1-3+ years of experience as a software engineer, product engineer, or technical generalist
• Strong coding skills in JavaScript/TypeScript (React + Node preferred)
• Comfort working across the stack and owning products end-to-end
• Experience building internal tools, automation systems, or operational platforms
• Excitement about shipping practical AI/LLM use cases that drive real outcomes
• Strong product intuition and bias toward impact and speed
• Ability to thrive in fast-paced, high-trust environments
• FinTech experience is preferred but not required
• Experience working closely with ops, support, or risk teams is a strong plus

Why Karat?

• Huge opportunity. The creator economy just flew past a $50b milestone despite zero infra for creator banking. It’s our race to lose.
• Fascinating problems. We want to empower creators to focus on what they love and what matters most—being creative and growing their creator business. We are trying to figure out how to make the headaches and challenges of financial services easy.
• The right team. We’ve got a diverse team with talent from top companies (e.g., Goldman Sachs, McKinsey), previous startup founders, and folks who create content and understand the space! We work hard together and have fun at dinners, on hikes, and even over Zoom (despite the oxymoron).
• Culture. We love hanging out with board games, delicious dinners, and brisk hikes as much as we enjoy delving into personal philosophy, management theory, and nitty gritty business details. Don't be afraid to bring yourself to work!
• Resources and growth. We’re well capitalized from top investors like Signal Fire and Union Square Ventures; CEOs from YouTube, Twitter, Wealthfront, and CAA; and investors including Twitch co-founder Kevin Lin, Y Combinator, CRV, and Coatue. We keep a lean team, and this is a rare opportunity to join. You’ll learn a lot, build foundational products, and grow as our company scales.

Feel like you are the right fit? Please reach out! Resources: Karat's Series B! Check out our culture and what we're building Learn more about Karat's partnership with Visa and our Founders!