CF - Senior Backend Engineer - Python

Strong proficiency in Python + Web Frameworks like FastAPI (Ideal), Django, or Flask Direct experience integrating with at least one major financial data provider: Experian, TransUnion, Equifax, Plaid, Belvo, MX, MoneyThumb, Ocrolus, Stripe Identity, etc. Deep understanding of credit/financial data semantics, including credit reports, tradelines, bank transactions, income/expense categorization, underwriting attributes Hands-on experience designing vendor-agnostic data models Experience with data mapping, transformation rules, and schema normalization Comfortable working with async ingestion, retries, rate limits, and partial failure handling Working proficiency in English for technical discussions and cross-functional collaboration Experience working in distributed, remote-first teams

Integrate directly with credit bureaus (Experian, TransUnion, Equifax) Build Python clients for open-banking / financial aggregation platforms (Plaid, Belvo, MX, MoneyThumb, Ocrolus, etc.) Implement secure API interactions following provider-specific compliance requirements Work with incomplete, inconsistent, or ambiguous third-party data and design mechanisms to reconcile discrepancies Design vendor-neutral schemas for credit reports, bank transaction data, and underwriting attributes Align heterogeneous financial datasets into unified internal representations Establish rules for cross-vendor field equivalency, transformations, and semantic consistency Develop automated validation checks and data quality controls to ensure accuracy across vendors Build and maintain high-quality FastAPI endpoints and internal services Implement async workflows for multi-provider data ingestion Ensure reliability, retries, and error handling across complex external APIs Optimize data ingestion performance across high-volume or low-latency financial workflows Apply KYC/AML verification flows and regulatory constraints Handle PII securely, following encryption and data-handling best practices Collaborate on audit trails and traceability requirements for financial data Ensure compliance with data residency and cross-border data transfer requirements where applicable Work with AI, underwriting, and data teams to support real-time decisioning Contribute to roadmap planning around data ingestion, enrichment, and scoring pipelines Partner with product and compliance teams to refine provider selection and evaluate new financial data vendors