Karat Financial

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 Data Product Engineer to help us turn data into one of Karat’s most powerful product advantages. This is a high-impact, highly cross-functional role for someone who thinks like a product builder but operates deep in the data stack. You’ll own the systems that transform raw data into trusted models, internal insights, and customer-facing experiences that drive real business outcomes. Beyond building pipelines and dashboards, you’ll explore how to productize data — powering internal decision-making, enabling smarter automation, and creating data experiences that delight customers. You’ll work across analytics, data engineering, and product surfaces to ensure our data is not just accurate, but actionable and beautifully expressed. If you love turning messy data into elegant, high-leverage products that people actually use, this role is for you. This position is based in Los Angeles, CA. The compensation for this role is between $130k to $170k. What you’ll do: Build the data foundation Design, build, and maintain scalable data models in Snowflake Develop reliable ETL/ELT pipelines to ensure timely, trustworthy data Improve data quality, testing, and observability across the stack Establish best practices for metrics definitions and semantic consistency Productize data internally Build high-impact datasets and dashboards in Sigma used across product, ops, risk, and finance Partner with teams to turn ambiguous questions into clear, trusted metrics Automate manual reporting and operational workflows Drive adoption and best practices for data usage across the company Ship customer-facing data experiences Help design and build data features embedded in Karat’s product surfaces Create clear, intuitive data visualizations that help creators understand their business Partner with product and design to translate complex financial data into simple UX Identify opportunities to turn internal insights into customer value Leverage AI and automation Build AI-powered workflows that unlock more value from Karat’s data Support LLM-enabled analytics and internal copilots Explore new ways to combine structured data + AI for step-function leverage What you'll need: 4+ years of experience in analytics engineering, data engineering, or data-heavy product roles Exceptional SQL skills and strong data modeling fundamentals Experience building ETL/ELT pipelines (dbt, Airflow, or similar) Hands-on experience with Snowflake or modern cloud warehouses Strong Python (or similar) for data workflows and automation Experience with BI tools (Sigma, Looker, Mode, etc.) and semantic layers Strong product intuition — you care about usability, clarity, and impact Comfort working cross-functionally with product, ops, risk, and finance High ownership mindset and bias toward shipping Nice to have: Experience building customer-facing analytics or data products FinTech or payments experience Experience with reverse ETL or operational analytics Familiarity with data visualization best practices and UX principles Experience building AI/LLM-powered data workflows dbt experience 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 ser

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 our first Engineering Manager to join the team and help shape the future of our engineering culture, systems, and product. This is a unique opportunity to lead from the front — you’ll roll up your sleeves to design systems, write code, and ship features while also setting the bar for technical excellence, collaboration, and product thinking. You’ll work closely with product, design, and operations to build delightful, scalable fintech products. The ideal candidate has a strong engineering background who can just as easily jump into system design reviews as they can draft a product spec, and who thrives in a highly collaborative, fast-moving environment. Previous product management experience (or a strong product sense with the desire to flex into PM responsibilities) is a huge plus. This is a great role for someone who wants to blend hands-on engineering with team leadership, and help scale a fintech product from the ground up. This position is based in Los Angeles, CA. The compensation for this role is between $180k to $200k.  What you’ll do: Lead by example — writing production code, owning system design decisions, and setting technical standards. Partner with product, design, and operations to define and ship high-impact features. Build and mentor a small, distributed, high-performing engineering team with a culture of collaboration and accountability. Establish best practices around system design, testing, security, and deployment. Drive alignment across engineering and product on priorities, tradeoffs, and execution. Create a technical roadmap that balances immediate business needs with long-term scalability. Help recruit, onboard, and develop engineers who thrive in a fast-paced startup environment. Act as a thought partner to leadership on product strategy, technical architecture, and company growth. What you'll need: 6+ years of professional software engineering experience. 2–3 years in a leadership or managing role. Proven ability to ship high-quality products end-to-end — from system design to launch. Strong product sense: you care deeply about user experience and business outcomes, not just code quality. Track record of cross-functional collaboration with product, design, and operations teams. Experience in system design, architecture, and scaling modern web applications. Strong communication skills — able to distill technical tradeoffs into clear recommendations. Prior product management experience (or strong desire to flex into product responsibilities) is a big plus. Fintech or payments experience is a plus, but not required. Working in an early stage startup experience is a plus, but not required. Comfort with ambiguity and a “get shit done” mentality. 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 d

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 Growth Engineer to roll up their sleeves and help scale the most creator-friendly bank in the world. This is a high-impact, highly scrappy role for someone who loves wearing multiple hats and doing whatever it takes to move the needle — from spinning up a new landing page in Webflow, to debugging a signup flow, to automating a report for our ops team unlocking a 10x on their output. You’ll work across growth, product, and operations — partnering with designers, analysts, and founders — to ship experiments, automate systems, and unlock growth across our banking and card products. If you’ve ever been a founder, this might feel familiar: you’ll need to code, test, analyze, and improvise — sometimes all in the same day. This position is based in Los Angeles, CA. The compensation for this role is between $130 to $170k.  What you’ll do: Build and launch growth experiments across onboarding, conversion, and lifecycle — with a focus on speed and impact Own scrappy engineering work that fuels growth: shipping landing pages, email flows, Webflow builds, internal tools, and more Work closely with product and marketing to design A/B tests, track performance, and iterate fast Automate manual workflows across operations and risk — building the glue between teams, tools, and data Plug into analytics tools (Segment, Sigma (BI), internal dashboards) to identify opportunities and measure results Jump into whatever is needed — whether that’s tweaking our sign-up flow or helping finance get the right data What you'll need: 1-3+ years of experience as a software engineer, growth engineer, or technical generalist Strong coding skills in JavaScript (React/Node) Comfort working across the stack and across tools — from Webflow and email editors to SQL and analytics platforms Deep scrappiness and bias toward action — you're excited to ship fast and learn fast Strong product intuition and ability to prioritize based on impact FinTech experience is preferred Experience across marketing, product, and ops — or as a founder — is a big 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 email your resume and a brief elevator pitch of why you’re the right person. Resources: Karat's Series

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 produ