Software Engineer, Full Stack
Shepherd
San Francisco, CA · $170k–$400k a year · Posted October 20, 2026
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Where San Francisco, CA placed in our monthly rankings, month by month. Each month stays online at its own address.
November 2026
- #1Best cities for security jobs316 openings · of 20
- #1Best cities for technology jobs7,178 openings · of 100
- #1Best cities for financial services pay after cost of living$173k · of 33
- #1Best cities for entry-level jobs that want AI skills35% · of 100
- #1Best cities for entry-level jobs that want AI skills in the West Coast35% · of 54
- #1Cities with the most jobs that do not need a four-year degree in the West Coast902 jobs · of 47
Rankings about engineering jobs
- Best cities for software and engineering jobs #1 San Francisco (3,412 openings)
- Best cities for engineering pay after cost of living #1 San Mateo ($216k)
- Most requested AI skills in engineering jobs #1 AI tools in daily work (6.1%)
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- Employers with the most engineering jobs #1 Amazon (2,992 roles)
Pay compared with the market
This listing pays about $285,000 a year. Across 696 open software engineer listings that state pay, the middle half runs $168,000 to $251,000 and the median is $201,500. That is 41% above the median, above the middle half of those listings.
Listed pay is what employers advertise, not what people are paid.
How AI is used in this kind of work
Among software developers, AI is already used for some of the tasks. Measured exposure for software developers: 29% (some).
Share of this job’s tasks that AI is already used for at work, from real usage. It is not a forecast of job loss, and a low number means no use seen yet. Source: Anthropic Economic Index.
Skills this job asks for
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About the job
WHAT WE DO
Build the insurance behind the physical world.
The world is building data centers, energy projects, hospitals, schools, and critical infrastructure. Every one of those projects needs insurance to move forward. Yet the process of getting that insurance still depends on scattered documents, manual work, and weeks of back-and-forth.
Shepherd is rebuilding commercial insurance with software, data, AI, and deep underwriting expertise. We started in construction and energy, where understanding the specifics of a project matters and better decisions have consequences far beyond a screen.
We develop insurance products, decide which risks to insure and how to price them, and partner with established insurers to back the coverage. We own the platform our team uses to turn complex submissions into coverage for the builders and operators shaping the world around us.
Real problems. Real ownership.
Our engineers, designers, underwriters, CX, and actuaries build together. The problems span turning messy documents into reliable data, making pricing more precise, and designing AI agents that can take on increasingly complex underwriting work.
The ambition is a platform where experts spend more time on judgment and relationships, supported by software that handles the work around them. Join us to build systems whose decisions help real projects get built.
630+ customers / $500B+ insured project value
[https://app.ashbyhq.com/api/images/user-content/cfdfd0b4-accb-41e6-8804-1216b89e5f82/0348cf6f-15dd-401e-8c20-de06e7a553fc/full-team.jpg]
OUR INVESTORS
Capital to build. Partners to grow with.
$67M total funding / $42M Series B in March 2026
Shepherd is backed by Intact Private Capital, Costanoa Ventures, Spark Capital, Susa Ventures, and Y Combinator. In March 2026, we announced a $42M Series B led by Intact Private Capital, bringing our total funding to $67M.
Intact is also a capacity partner. Alongside its investment, Intact works with Shepherd to bring insurance products to market. That relationship connects our platform and underwriting expertise with the resources of a global insurer.
A bigger opportunity ahead
We are investing in new insurance products, our underwriting team, and the path toward autonomous underwriting. For the people joining Shepherd, that means the chance to shape both the technology and the business it makes possible.
Our backing brings together investors who build technology companies and partners who understand insurance. We are building a company that earns the confidence of both.
[https://app.ashbyhq.com/api/images/user-content/cfdfd0b4-accb-41e6-8804-1216b89e5f82/1441bf79-1d14-43aa-be40-ef718b7fdac3/nyc-wide.jpg]
THE ROLE
We’re hiring a Software Engineer to build the core infrastructure behind underwriting, pricing, and policy workflows. This is high-leverage work. The systems you build will directly impact revenue, loss ratios, and how we scale.
You’ll work closely with engineers, actuaries, and underwriters to turn messy real-world logic into clean, durable systems. A lot of what we do starts in Excel and ends in production code. We care deeply about correctness, clarity, and speed.
This is an ownership-heavy role. You’ll be expected to reason from first principles, ship quickly, and improve things that feel broken.
WHAT YOU’LL DO
- Build and own backend systems that power pricing models, underwriting workflows, and policy lifecycle infrastructure
- Translate complex actuarial and underwriting logic into maintainable, production-grade services
- Improve the performance and reliability of our core rating and decision systems
- Contribute to architectural decisions that set the foundation for how we scale
- Work directly with domain experts to define the right abstractions, not just implement tickets
- Hold a high bar for code quality, simplicity, and long-term maintainability
WHAT WE’RE LOOKING FOR
- 4+ years of professional software engineering experience
- Strong backend experience in TypeScript, Python, or similar
- Experience designing APIs and working with data-heavy systems
- Comfort operating in ambiguous, high-responsibility environments
- A bias toward ownership and shipping
- Good judgment – knowing when to move fast and when to slow down
Our Tech Stack
Frontend
- React & Next.js
- Typescript
- GraphQL w/ Apollo
Backend
- Node.js
- Postgres & Redis
- Typescript
- GraphQL APIs
YOU’LL LIKELY THRIVE HERE IF
- You like building foundational systems, not surface-level features
- You enjoy working at the intersection of business logic and engineering
- You want your work to directly impact company outcomes
- You prefer small teams, high standards, and real accountability
- You care about building something durable
WHY JOIN
We’re still early. The decisions we make now will shape the company for years. If you want to build core infrastructure, work closely with domain experts, and help modernize a massive industry, this is a rare opportunity to do it at the right stage.
HOW WE WORK
Shepherd runs on four values. Here's what each one means in this seat.
- Think big, build big. We exist to protect progress and the industries that rely on it. The work here is aimed at a system that runs on its own, and the roadmap gets sequenced backward from that rather than forward from what's easy.
- Win together. We rise as one. We support each other, raise the bar, and celebrate collective success. Come set a standard the rest of the team inherits.
- Cross the aisle. Collaboration wins. We listen deeply, work across boundaries, and prioritize shared success over individual lanes. The best product calls here come from engineers who've sat with underwriters and underwriters who understand where the model breaks, and much of this job is listening closely enough on both sides to make that happen.
- Go get it. We act with urgency, move with confidence, take smart risks, and push forward with intention. Nobody hands you the roadmap, the data, or the meeting invite. You pull the failing runs, book the time with the underwriters, and decide what matters.
BENEFITS
🏥 Premium Healthcare 100% contribution to health, dental, and vision
🥕 Fertility benefits and family building support
🏖️ Flexible PTO Flexibility to take the time off, recharge, and perform
🥗 Daily lunches, dinners, and snacks We work together, and enjoy meals together too
🖥️ SF, NYC, Dallas-Fort Worth, Chicago and LA Offices
📚 Professional Development Access to premium coaching, including leadership development
🏦 Competitive 401(k) Plan
🐶 Dog-friendly office Plenty of dogs to play with and make friends with in the SF office