Principal Software Engineer - Array

Array is a financial innovation platform that helps digital brands, financial institutions, and fintechs get compelling consumer products to market faster. We deliver a suite of credit and identity monitoring tools, privacy protection, and a financial ads marketplace via embeddable widgets or a clean, modern API. Our private label offerings help drive revenue and increase engagement for our customers while empowering millions of consumers to achieve their financial goals.

As a remote-first company, we’re focused on providing opportunities for high performing individuals to have deep impact in the fast growing fintech space. A clear mission, a commitment to continuous improvement and a willingness to experiment empower us individually and together deliver the best products for our clients and users.

The Principal Software Engineer is Array’s highest-level individual contributor in Engineering, with technical scope across the company. Working across products and alongside business and technology leaders, you’ll solve our most consequential engineering problems, turn ambiguity into action, and drive work through to measurable outcomes. Your leverage comes not only from what you build, but from making our systems simpler and the engineers around you more effective.

This role reports directly to the SVP of Engineering and works across all of Array’s products and engineering teams.

What You Will Do

• Take on core engineering problems: Lead through ambiguity, define success metrics, and drive consequential initiatives from uncertainty to measurable outcomes.
• Simplify complex systems: Improve architecture, platforms, and engineering practices so they are easier to understand, change, operate, and scale.
• Shape technical direction: Bring strong judgment and clear recommendations, align teams around the right path, and turn technical strategy into execution.
• Multiply team effectiveness: Raise the effectiveness of senior engineers and teams through coaching, better decisions, reusable patterns, and thoughtful technical leadership.
• Own outcomes: Go wherever the highest-leverage engineering problems are, working across teams and domains without needing formal authority.
• Stay close to the technical work: Use code, architecture, data, and production systems to build context and credibility while knowing when your greatest impact comes from enabling others.
• Leverage AI tools: Maintain a habit of using AI tools to think, build, and ship faster as a default practice.

Qualifications

• Bachelor's degree in Computer Science, Engineering, or a related technical field.
• 10+ years of professional software engineering experience, including experience operating at Staff, Principal, or equivalent scope.
• Significant experience designing, building, and operating complex production systems, with breadth across architecture, delivery, reliability, performance, and operations.
• Demonstrated history of increasing scope and leverage, with impact extending beyond your own code or immediate team.
• Default sense of urgency to create momentum, shorten paths to outcomes, and move work forward independently.
• Self-direction and ownership to thrive in a remote environment with proactive communication and clarity.
• Curiosity and humility to challenge assumptions, seek context, disagree constructively, and commit fully to chosen directions.
• Instinctive use of AI tools to accelerate software development workflows.

Process & Evaluation

• Interview Process: Recruiter Conversation → Hiring Manager Interview → Loop round.
• Onboarding Process: Active two-week onboarding building fluency in products, customers, and value proposition, including scored assessments. Performance is evaluated over a initial six-month period with continuous feedback.

Compensation & Benefits

• Base Salary: $200,000+ (depending on experience)
• Equity: Incentive Stock Option (ISO) grant
• Health Coverage: 100% covered premiums for medical, dental, and vision (70% for dependents)
• Time Off: Unlimited PTO and sick leave + 14 company holidays
• Retirement: 401(k) with 100% match up to 4% and immediate vesting
• Parental Leave: Competitive parental leave for all parents
• Remote Stipends: $1,000 desk setup subsidy + $100/month wifi/cell phone subsidy
• Perks: Summer Fridays (half-day Fridays from late May to late August) and commuter benefits for NYC/SF offices