Software Engineer Intern at NinjaHoldings

Founded in 2017, NinjaHoldings works to give everyday Americans better access to financial services than traditional institutions typically provide. Through our CreditNinja and NinjaCard brands, we offer digital banking and lending products designed for consumers often overlooked, paired with incentives that support long-term financial improvement. Our Edge brand extends this expertise to other companies, providing underwriting, fraud detection, and analytics services. Headquartered in Chicago with a distributed global workforce, we are a lean, growing organization committed to advancing consumer finance in the US.

Internship Summary

As a Software Engineer Intern, you’ll gain hands-on experience working with our engineering team to build and improve the technology that powers NinjaHoldings’ financial products. This internship is designed to give you exposure to real-world software development, mentorship from experienced engineers, and the opportunity to make meaningful contributions to projects that impact thousands of customers.

You’ll be paired with a mentor and collaborate with developers, QA engineers, and product managers. While you won’t be expected to know everything from day one, you’ll be encouraged to learn, ask questions, and grow your technical skills in a supportive and fast-paced environment.

When: May-August 2027

Location: Hybrid, downtown Chicago HQ (in-office 2x/week). Candidates must be local or able to relocate independently - relocation assistance is not provided.

Schedule: 40 hours/week

Key Responsibilities:

• Assist in developing and maintaining Ruby on Rails applications
• Write clean, efficient, and well-documented code with guidance
• Collaborate with developers, product managers, and designers on real features
• Participate in code reviews to learn best practices and improve your skills
• Help troubleshoot and fix bugs in live systems
• Learn how financial technology products scale and evolve over time

You may have the opportunity to explore one of our engineering focus areas:

• Customer Communication (email, SMS, mail systems)
• Identity (managing customer data securely)
• Decisions (automated underwriting and marketing lead systems)
• Portfolio Management (lifecycle of lending/banking products and payment integrations)

Ideal Candidate Will Have:

• Incoming junior or senior currently pursuing a degree in Computer Science, Software Engineering, or a related field
• Familiarity with Ruby on Rails (or willingness to learn)
• Basic understanding of programming concepts and object-oriented design
• Exposure to HTML, CSS, JavaScript, and SQL is a plus
• Some experience using Git or other version control systems
• Strong problem-solving skills and attention to detail
• Enthusiasm for learning new technologies and working in a team

Additional Pluses:

• Exposure to test-driven development (TDD)
• Familiarity with Agile development methods
• Understanding of RESTful APIs
• Interest in financial technology and consumer finance

Benefits & Perks:

• Potential path to full-time employment for high performing interns
• Fast-paced, high-energy work environment
• Real opportunity to make an immediate impact at a growth-stage company
• Build relationships with full-time employees from day one
• Convenient downtown Chicago office located in the heart of the city

Applicants must be legally authorized to work in the U.S. without the need for current or future visa sponsorship.

IMPORTANT NOTICE:
Please carefully review communications to ensure that they are from the official Breezy applicant tracking platform (@breezy-mail.com) or an official NinjaHoldings brand email: @ninjaholdings.com, @creditninja.com, @ninjacard.com, or @edgescore.com. If you have been contacted regarding a job opening at NinjaHoldings from any other email address, including similar email variations, this is NOT a trusted source. We recommend that you refrain from responding to suspicious emails and file a complaint with the FBI's Internet Crime Complaint Center (IC3) at https://www.ic3.gov. For questions or to confirm the authenticity of a communication, please email hr @ninjaholdings.com.