Fullstack Software Engineer

About Collective: Collective is on a mission to redefine the way businesses-of-one work. Our technology and team of trusted advisors help members achieve financial independence by taking care of everything from business incorporation to accounting, bookkeeping, tax services, and access to a thriving community, all in one integrated platform. We believe in empowering self-employed people to enjoy the same tax savings that big companies get, so they can focus on their passion, not paperwork. Featured in Forbes, Business Insider, Yahoo, Bloomberg, Financial Times, TechCrunch, and more. We are backed by General Catalyst, Sound Ventures (Ashton Kutcher and Guy Oseary), QED Investors, Google’s Gradient Ventures, Expa, and other investors who have financed iconic companies like YouTube, Substack, Twitch, Box, Hims, Instacart, and Lyft. About the role: We're hiring a Software Engineer to help build and scale the systems that power Collective's accounting product, the connection between our members' bank activity, bookkeeping, and tax outcomes. You'll work across the stack on the platform that automates reconciliation, ingests transaction data from our banking and accounting partners, and turns raw financial activity into clean, member-ready books. This is a product engineering role with real ownership, working closely with Product, Design, Operations, and our in-house accounting team to ship fast and iterate based on member and operator feedback. You'll be expected to use modern AI tools and agent-based workflows to accelerate development, improve code quality, and unlock new product capabilities. This role is ideal for engineers who are hungry to grow into broader ownership, think in terms of outcomes, and see AI as a core part of how software gets built today. What you'll do: - Build and ship features across the accounting product - from member-facing reconciliation and bookkeeping experiences to internal tooling that powers our accounting and bookkeeping operators - Work on the integration layer between Collective and our partners that includes extending APIs, handling edge cases, and improving data reliability - Improve the transaction pipeline that flows from bank feeds through our accounting platform into our data layer, including reliability, observability, and drift detection between source and destination - Own well-scoped features end-to-end with support from senior engineers to define the approach, build, deploy, instrument, and iterate - Partner with Product, Design, and Operations to translate accounting workflows into clean software, and surface engineering tradeoffs early - Use AI-powered development tools (copilots, code agents, agent workflows) day-to-day to move faster and cut manual overhead - Clear communication and collaboration skills across technical and non-technical partners - Demonstrated ability to integrate AI agents and automation into development workflows and product features What you'll bring: - 3–4 years of experience building and shipping production software in a product-focused environment - Solid fullstack engineering skills (e.g., Python, Django, React, or similar modern frameworks) - Experience integrating with third-party APIs and working with messy, real-world data - Hands-on use of AI developer tools (copilots, code agents) in your day-to-day workflow — not just experiments - Ability to take a well-scoped problem and drive it to a shipped, instrumented solution with light guidance - Good product and UX instincts to make sensible scope tradeoffs and ask the right clarifying questions before building - Clear written and verbal communication, especially when explaining tradeoffs to non-engineering partners - Familiarity with SQL and working with data warehouses (BigQuery a plus) - Interest in the accounting / fintech / payroll domain, or a track record of getting up to speed quickly in a new domain What we offer: - Hybrid Work Model: Based in San Francisco with a balance of in-office and remote fl