Backend Software Engineer

*About Us* Neptune is building a different kind of insurance company, one designed from the ground up as a technology platform. We are the largest provider of private flood insurance in the U.S., operating in a market that for decades was almost entirely served by the federal government. By bringing modern technology, data, and automation into this space, we're helping redefine how flood insurance is priced, distributed, and experienced. At our core, we are an AI-native engineering organization. Our platform integrates large-scale geospatial, environmental, and property-level data to make real-time underwriting and pricing decisions. Instead of relying on manual processes, we've built systems that are fast, consistent, and continuously improving. Nearly half of our team is made up of engineers and data scientists, including individuals with deep academic and industry experience. We're attracting a level of technical talent not typically drawn to insurance, and applying it to a field that has been slow to change. *The Role* As a backend engineer, you'll work on systems that sit at the heart of that transformation. This includes real-time rating and risk selection, policy lifecycle management, and the internal platforms that power our sales and service operations. These systems operate on complex, high-dimensional data and are tightly integrated with models that inform pricing and decisioning. Our engineering culture is fast-moving and high ownership. We use AI as a fundamental part of how we build, not as an add-on. Engineers are expected to leverage these tools to move quickly, reduce friction, and focus their time on the hardest problems. *What You'll Do* * Design and build scalable backend services and APIs that power our insurance platform * Work across critical systems including rating engines, policy management, and risk evaluation * Contribute to data pipelines and integrations that connect our platform with partners and third-party data sources * Collaborate with data scientists to operationalize machine learning models in production * Work closely with stakeholders to define requirements and shape the systems we build * Own code quality end-to-end, including testing, monitoring, and performance * Improve observability, alerting, and system reliability across the platform * Partner with product, QA, and other engineers to ship high-quality features quickly * Use AI tools as a core part of your development workflow *You Should Apply If You* * Have 3+ years of backend engineering experience in production environments * Are strong in C# or a similar strongly typed language (Java, Go, etc.) * Write clean, maintainable, and well-tested code * Have experience building distributed systems or working with cloud infrastructure * Are comfortable working with data-intensive systems or APIs at scale * Actively leverage AI coding tools to increase velocity while maintaining quality * Take ownership, move with urgency, and collaborate effectively with others *Nice to Have* * Experience working with pricing, financial systems, or insurance products * Familiarity with machine learning workflows or deploying models into production * Experience with event-driven architecture or streaming systems * Background in high-growth or startup environments *Our Stack* C#, Python, SQL Server, PostgreSQL, Azure, GCP, GitHub, Azure DevOps Pay: $125,000.00 - $175,000.00 per year Benefits: * 401(k) * 401(k) matching * Dental insurance * Health insurance * Health savings account * Life insurance * Paid time off * Vision insurance Work Location: Hybrid remote in Manhattan, NY 10016