Why multipll
Commercial lending decisions today are slow, opaque, and disconnected from the real signal in a borrower’s financial behavior. Banks rely on workflow tools that move applications around. They rely on data tools that pull statements and tax forms. They rely on scoring tools that were built for consumer credit a generation ago. None of these tools answer the question that actually matters: should this loan be approved, and on what terms?
multipll is building the decision layer that sits above all of them. We’re a small founding team with deep experience in commercial banking, data infrastructure, and applied AI, and we’re looking for people who want to build something that compounds.
What we value
Bias toward correctness
Credit decisions affect real businesses. We don’t ship code that we don’t understand, and we don’t hide complexity behind the word “AI.”
The right tool, deliberately chosen
AI earns its place when it makes the work materially better. We never reach for it as a shortcut, and we never hide behind it.
Bank-grade thinking
Auditability, traceability, and explainability are not afterthoughts. Every decision the platform produces must be explainable to a credit officer.
Founder velocity
We are pre-seed. Decisions are fast, ownership is wide, and the cost of indecision is higher than the cost of being wrong.
Open roles
We’re early. We don’t have a published list of open roles yet, and we’d rather meet people we’re excited about than fill specific seats. If you read what we’re building and recognize yourself in it, please reach out.
Engineering — Backend, Data, Frontend
FuturePython / FastAPI / asyncpg / PostgreSQL on the backend; Next.js / React on the frontend. Comfort with banking data, ETL pipelines, and production observability is valued. Post-seed hires.
Credit & Risk
FutureBackground in commercial credit underwriting, portfolio risk, or bank examiner work. You’ll help shape how multipll’s decision infrastructure adapts to each bank’s credit philosophy.
Enterprise & Banking partnerships
FutureRelationships with US community and regional banks, or with mid-market CFO networks. You’ll help us go from first design partners to repeatable distribution.
Tell us why we should know each other
If our work resonates, send a short note. We read every message and reply to the ones that fit.
founders@multipll.comHow we think about hiring
We hire slowly and deliberately. The founding team is small and committed; new hires will join a tight, opinionated group. Expect conversations that go deep on one or two topics rather than broad coding interviews. Expect to talk to the people you’d actually work with.
We are based in Pleasanton, California, and we operate as a hybrid team. We are not currently sponsoring new visas, but we’re happy to discuss timing if you’re already authorized to work in the US.