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Senior Software Engineer - Lending

Adyen · San Francisco, CA · posted 46 days ago

In short: Senior Software Engineer - Lending at Adyen in San Francisco, CA, posted 46 days ago.

By AtiveSite · Published 07/11/2026 · Updated 08/11/2026 · Every figure is linked to its source below.

Adyenemployer
San Francisco, CAlocation
Software engineeringsub-niche
46 days agoposted
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The job

LIVE Live feed (private-sector employer) Source: The Muse public API · Data: listed 2026-09-23

EmployerAdyen
LocationSan Francisco, California
FieldTechnology › Software engineering
LevelSenior Level
Source categorySoftware Engineering
Posted2026-09-23 (46 days ago)
Work arrangementOn-site at the location listed
PayNot published in the source listing

Job description

This is Adyen

Adyen provides payments, data, and financial products in a single solution for customers like Meta, Uber, H&M, and Microsoft - making us the financial technology platform of choice. At Adyen, everything we do is engineered for ambition. 

For our teams, we create an environment with opportunities for our people to succeed, backed by the culture and support to ensure they are enabled to truly own their careers. We are motivated individuals who tackle unique technical challenges at scale and solve them as a team. Together, we deliver innovative and ethical solutions that help businesses achieve their ambitions faster.

Senior Software Engineer, Lending

Build lending at Adyen from the first line of code.

Businesses run on Adyen: they accept payments, manage their money and issue cards on our platform. Access to capital has been the missing piece, and we're building it now. Lending at Adyen is a brand-new team, and we're looking for the engineers who will lay its foundations.

Our advantage is data. We already see how a business actually performs through its payment flows, so we can offer fast, fair financing, embedded directly in the platforms our customers use every day. That lets us serve businesses that traditional lenders overlook, without the long paperwork process.

This is a true zero-to-one opportunity. There's no legacy system to maintain and no roadmap handed down from above. You'll help decide what we build, how we build it, and which trade-offs we make. You'll be part of a small team with the backing, scale and customer base of a global company.

 What you’ll do:

Who you are:

Minimum qualifications:

The annual base salary range for this role is $190,000 - $290,000; to learn more about our compensation philosophy, please click here.

Our Diversity, Equity and Inclusion commitments 

Our unique approach is a product of our diverse perspectives. This diversity of backgrounds and cultures is essential in helping us maintain our momentum. Our business and technical challenges are unique, and we need as many different voices as possible to join us in solving them - voices like yours. No matter who you are or where you’re from, we welcome you to be your true self at Adyen. 

Studies show that women and members of underrepresented communities apply for jobs only if they meet 100% of the qualifications. Does this sound like you? If so, Adyen encourages you to reconsider and apply. We look forward to your application!

What’s next?

Ensuring a smooth and enjoyable candidate experience is critical for us. We aim to get back to you regarding your application within 5 business days. Our interview process tends to take about 4 weeks to complete, but may fluctuate depending on the role. Learn more about our hiring process here. Don’t be afraid to let us know if you need more flexibility.

You must be work authorized in the United States without the need for new visa sponsorship. The company can support visa transfers but will not sponsor individuals for H-1B CAP applications.

Explore around this job

Field: Technology Sub-niche: Software engineering All jobs at Adyen Jobs in California Jobs in San Francisco, CA San Francisco city guide California state guide San Francisco County economy

View this job and apply on The Muse →

You apply on The Muse or on the employer's page; AtiveSite does not receive or process applications and is not affiliated with The Muse. The description above is shown as the source published it.

About the role

This is a Senior Level role in the Technology field (Software engineering) at Adyen. Senior roles usually expect substantial experience, ownership of results and often the ability to guide others.

We could not match this job title to one occupation in the official wage statistics, so no pay estimate is shown. Pay is not in the source listing; ask the employer for the range and compare in the 240 job niches.

Does the pay work here? (estimate)

Estimate for a wage earner: 2026 federal brackets and standard deduction (IRS), Social Security 6.2% up to $184,500, Medicare 1.45% (+0.9% above $200,000 single / $250,000 married), and a state rate you set; set your own state tax rate. It ignores credits, pre-tax deductions, local taxes and benefits. Sources: IRS: tax year 2026 inflation adjustments · SSA wage base per Federal Register notice 2025-19763.

How to prepare and behave

This is editorial guidance, not information from the employer.

Know your rights as a candidate and an employee:

The city

The job is in San Francisco, CA. Below is what the official statistics say about living and working there.

How San Francisco compares. Among the 145 largest places in California, San Francisco is #4 by population, #139 for homeownership (#1 = highest), #20 for remote work (#1 = most), #25 for college degrees (#1 = most). Its county, San Francisco County, is #3 of 58 counties for average pay ($174,103).

The place in numbers

San Francisco has 830,235 residents (ACS 2020–2024), about 2.1% of the population of California. It covers 47 square miles of land, which works out to roughly 17,784 people per square mile. The median age is 40.0, 6% older than the state median (40.0 against 37.9).

Housing

The median gross rent is $2,476 a month (rent plus utilities), 22% above the state median ($2,476 against $2,036). Over a year that is 21.1% of the median household income. US housing guidance treats housing as affordable when it takes 30% of income or less, so the typical household is under that line. The median home value is $1,394,500, which is 9.9 times the median household income ($140,970); a ratio above 5 usually means buying is out of reach without savings or a second income. 38.2% of households own their home, 32% below the state average (38.2% against 55.9%). A low ownership share points to a rental-heavy market with more apartments and shorter stays.

Work and pay

The San Francisco-Oakland-Fremont, CA metropolitan area has 2,373,920 jobs in the BLS wage survey, and the median pay across all occupations is $74,260 a year, 46% above the national median ($74,260 against $50,980). The biggest occupation groups are office and administrative support (226,320 jobs, median $62,120); management (223,100 jobs, median $176,340); business and financial operations (207,030 jobs, median $112,960). The area is most specialised in computer and mathematical (1.9 times) and life, physical, and social science (1.8 times), where the share of workers is well above the national share. The best-paying groups with at least 5,000 jobs are management ($176,340) and computer and mathematical ($167,770). In 2026M09 the unemployment rate of San Francisco County was 4.0%. 69.6% of residents aged 16 and over are in the labour force. The city lies in San Francisco County; its jobs, pay by industry and GDP are on the county page.

Getting around

Among workers, 28.6% drive alone, 18.7% use public transit, 9.3% walk, 31.0% work from home. 21.6% of workers commute 45 minutes or more, 11% above the state average (21.6% against 19.4%). Remote work is more common than in the state as a whole, which widens the set of employers a resident can work for without moving.

People and education

60.3% of adults aged 25 and over hold a bachelor's degree or higher, 63% above the state share (60.3% against 37.1%). 34.0% of residents were born outside the United States, 26% above the state share (34.0% against 27.0%). The poverty rate is 11.2%, 7% below the state rate (11.2% against 12.0%).

Climate

The warmest month is Sep, averaging 59°F (14.9°C), and the coolest is Apr at 53°F (11.6°C). About 515 mm (20 inches) of precipitation falls in a year; Dec is the wettest month (112 mm) and Jul the driest (2 mm). These values come from NASA satellite-based climatology on a grid of about 50 km, so they describe the wider area, not a weather station in the city.

Nearby cities to compare

Closest cities in this guide: Daly City (31 miles, rent 3% higher); Pacifica (31 miles, rent 25% higher); San Bruno (34 miles, rent 12% higher); Millbrae (36 miles, rent 32% higher). Rent differences are against San Francisco; use the Compare tab to put any two cities side by side.

Full guide to San Francisco →California guideAll jobs in San Francisco

Official links for San Francisco

These links go to official sources and open in a new window. The first one is the government's or company's own site as listed in Wikidata (property "official website"); check it before relying on it.

Where to live

CITY Official statistics Source: U.S. Census Bureau, American Community Survey 2020–2024 5-year (via Census Reporter) · Data: ACS 2020–2024

Places within 50 miles (straight line) of San Francisco, CA that have a guide, with what living there costs. No pay estimate is shown because the title did not match one occupation.

Sort:
Place ⇅Distance from the job city ⇅Median rent ⇅Median home value ⇅Median household income ⇅Commute 45+ min ⇅Rent as % of occupation pay ⇅Open jobs there ⇅
San Francisco, CA0 mi$2,476$1,394,500$140,97021.6%n/aJobs
Daly City, CA31 mi$2,551$1,115,000$123,54719.6%n/a—
Pacifica, CA31 mi$3,098$1,249,800$160,52315.5%n/a—
San Bruno, CA34 mi$2,773$1,207,500$141,27212.2%n/a—
Millbrae, CA36 mi$3,272$1,934,900$163,47621.8%n/a—
Brisbane, CA36 mi$2,574$1,232,200$156,16929.8%n/a—
South San Francisco, CA36 mi$2,802$1,188,800$136,57815.2%n/a—
Half Moon Bay, CA37 mi$2,433$1,549,500$157,88426.7%n/a—
Burlingame, CA38 mi$2,785$2,000,001$174,00023.1%n/a—
Richmond, CA40 mi$1,960$668,200$95,39128.8%n/a—
San Mateo, CA41 mi$3,077$1,618,700$153,50415.8%n/a—
Berkeley, CA41 mi$2,133$1,413,900$108,09220.8%n/aJobs
Alameda, CA42 mi$2,474$1,235,700$137,69727.3%n/aJobs
Belmont, CA43 mi$2,875$2,000,001$205,29718.6%n/aJobs
Oakland, CA44 mi$1,979$929,900$101,60021.9%n/aJobs
Foster City, CA44 mi$3,501$1,838,200$199,14320.6%n/aJobs
San Carlos, CA45 mi$2,854$2,000,001$237,47014.9%n/a—
Redwood City, CA47 mi$2,968$1,801,700$157,81410.2%n/aJobs
San Leandro, CA48 mi$2,186$844,200$101,42023.7%n/a—
Atherton, CA49 mi$3,501$2,000,001$250,0017.0%n/a—

Career paths

We could not match this title to one occupation, so here are the other sub-niches in Technology, where your skills may carry over:

Cybersecurity (366) Data, analytics and AI (1991) Cloud, IT and infrastructure (504) Product management (412)

Distances

CITY Calculation (straight line) Source: U.S. Census Bureau Gazetteer (coordinates) · Data: 2024

How far San Francisco, CA is from the 20 largest US cities, in straight-line miles (not driving distance). Click a column to sort.

Sort:
From ⇅Straight-line distance (miles) ⇅Population of that city ⇅
San Francisco, CA0 mi830,235
San Jose, CA73 mi990,138
Los Angeles, CA364 mi3,857,263
San Diego, CA475 mi1,389,526
Phoenix, AZ678 mi1,642,323
Seattle, WA684 mi754,195
Denver, CO986 mi718,877
Oklahoma City, OK1,420 mi697,125
Fort Worth, TX1,484 mi963,194
Dallas, TX1,515 mi1,307,930
San Antonio, TX1,516 mi1,479,835
Austin, TX1,530 mi979,539
Houston, TX1,673 mi2,328,253
Chicago, IL1,885 mi2,711,226
Indianapolis, IN1,979 mi885,860
Columbus, OH2,142 mi914,802
Charlotte, NC2,332 mi903,844
Jacksonville, FL2,403 mi977,670
Philadelphia, PA2,550 mi1,579,706
New York, NY2,602 mi8,483,844

Nearby cities with open jobs (within 120 miles)

Sort:
City ⇅Straight-line distance ⇅Open jobs ⇅
Alameda, CA42 mi15
Belmont, CA43 mi2
Redwood City, CA47 mi27
Palo Alto, CA54 mi24
Sunnyvale, CA60 mi12
Fremont, CA62 mi2
Pleasanton, CA63 mi1
Milpitas, CA66 mi2
Campbell, CA67 mi7
San Jose, CA73 mi661
Capitola, CA79 mi1
Sacramento, CA103 mi38

The employer

Adyen is the employer in this listing. See all its open jobs here →

Company description (from The Muse): We are the financial technology platform of choice for the world’s leading brands. By providing end-to-end payments capabilities, data-driven insights, and financial products in a single global solution, Adyen helps businesses achieve their ambitions faster. With offices around the world, Adyen works with the likes of Facebook, Uber, H&M, eBay, and Microsoft.

size: Large Size; industries: Financial Services, Fintech, Software, Technology; locations on The Muse: Amsterdam, Netherlands, Chicago, IL, New York, NY, San Francisco, CA.

We do not hold headcount or revenue for this employer. Check its careers site and, if it is listed on a stock exchange, its public filings (SEC EDGAR search).

The employer's profile on The Muse →

What it is like to work at a company (culture, schedules, benefits) is not in the source data, so we do not describe it. Read the description and ask the questions under "How to prepare".

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FAQ

What is the Senior Software Engineer - Lending job at Adyen?

A senior level role in technology (software engineering) listed 46 days ago. The full description is on this page and on The Muse.

Where is this job?

San Francisco, CA.

How do I apply?

Use the "View this job and apply on The Muse" button. AtiveSite does not receive applications.

How much does it pay?

The listing does not publish pay, and we could not match the title to one official occupation.

What is the cost of living there?

Median rent in San Francisco is $2,476 a month and median household income $140,970 (ACS 2020–2024).

How old is this listing?

It was posted on 2026-09-23 (46 days ago). Jobs older than 90 days are not shown.

Are there similar jobs?

Yes: browse software engineering jobs in California.

Sources and terms

AtiveSite is not affiliated with or endorsed by The Muse, the employer or any government agency, and does not process applications. Verify every detail with the employer before acting.

Sources

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