Applied AI Engineer

About the role

About Prodigal

Prodigal is the connected AI platform leading financial institutions use to run their operations.

We work with banks, lenders, credit unions, and other financial companies that lend money to people and manage those relationships over time.

These institutions make millions of high-stakes decisions every day. Who should they reach? When should they reach them? What should they say or offer? When should a case move to a human? How should that change based on the borrower, the account, previous interactions, and the regulations involved?

Getting those decisions right requires a deep understanding of the people, processes, rules, and edge cases behind them.

Prodigal has spent the last eight years building that understanding. More than a billion interactions between financial institutions and their customers have shaped the intelligence, guardrails, and AI agents we now run in production across North America.

Today, our AI agents analyze conversations, capture context, guide human agents, decide the next action, conduct customer conversations, orchestrate outreach, and help people complete payments and resolutions. They are connected, so what is learned in one interaction can inform what happens next.

We are expanding this swarm of AI agents across more of the work financial institutions do: originations, document processing, back-office workflows, servicing, and other critical operations where money, identity, people, and regulation intersect.

We are backed by Y Combinator, Accel, and Menlo Ventures, and work with 100+ financial institutions across North America. Listen directly from our CTO, Cofounder - Sangram Raje

About the Role

We're looking for an AI Engineer to join the proAgent team and work on the systems that power our autonomous voice agents in live financial conversations. You'll work alongside a small, high-agency team where you will have real ownership over features and components from day one.

This is a hands-on engineering role. You'll be deep in the code - building agent logic, integrating speech models, tuning prompts, and debugging gnarly real-time issues. You don't need to have done all of this before, but you need to be the kind of engineer who figures things out fast, takes feedback well, and ships.

What You'll Do (TL;DR version)

Agent Loop & Reasoning

- Build and maintain components of the agentic runtime that powers multi-turn financial conversations - covering payment negotiations, compliance guardrails, and objection handling

- Implement context management logic that tracks consumer state, conversation history, and business rules across long, branching dialogues

- Write and iterate on primitives that balance conversational fluidity with structured reasoning - the agent needs to feel human while making verifiable decisions

Voice AI Systems

- Work on our real-time voice pipeline with a target of sub-1s latency across transcription, reasoning, and synthesis