# Method Expands Beyond Liability Payments into Real-Time Portfolio Intelligence

**Author:** Zero G Talent
**Published:** 2026-11-06
**Category:** business-finance
**Tags:** yc-hiring, fintech, financial data, apis, software engineering, sales

[Read on Zero G Talent](https://zerogtalent.com/blog/method-expands-beyond-liability-payments-into-real-time-portfolio-intelligence)

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[Method](https://zerogtalent.com/ai-companies/method) is building backend financial infrastructure designed to give lenders, fintechs, and financial institutions permissioned access to consumer liability data and payment rails. Following a $41.5 million Series B funding round led by Emergence Capital—with participation from Andreessen Horowitz, Y Combinator, Samsung Next, and avra—the Austin-founded company has expanded its platform from debt payment execution into post-origination portfolio monitoring.

With its portfolio monitoring product, Portfolio Intelligence, Method tracks over 90 post-origination financial health signals, allowing institutions to identify borrowers who qualify for refinancing or show early indicators of credit stress. As the company scales its network across 15,000 financial institutions, it is actively building out leadership, engineering, product, and sales capabilities, opening roles including [VP of Finance](https://zerogtalent.com/ai-jobs/method/vp-of-finance-aa308e4a-fb28-40ee-9391-800dc7d3743c) and [Senior Software Engineer](https://zerogtalent.com/ai-jobs/method/senior-software-engineer-bcb8abe9-2e96-4484-8d7e-7d1fece7a138).

## Passwordless Liability Data and Money Movement

Fintech developers building balance transfer, bill pay, or debt consolidation tools traditionally relied on manual processes, paper checks, or credential-based screen scrapers. Method provides a single API integration that enables direct read and write access to consumer debt held across 15,000 U.S. financial institutions, covering 95% of outstanding consumer liabilities.

Rather than requiring consumers to input bank account usernames and passwords, Method verifies identities using phone numbers matched against mobile network operator records, biometric authentication like Face ID and Touch ID, and credit bureau data under Dodd-Frank Act consumer access protections. Once permissioned, developers can retrieve active debt accounts and use Method's payment rails to push funds directly to credit cards, student loans, auto loans, and mortgages.

As reported by [TechCrunch](https://techcrunch.com/2025/01/23/method-is-helping-fintech-companies-like-sofi-build-repayment-functionality-into-their-apps/), Method's infrastructure underpins features for over 60 enterprise clients and fintechs, including SoFi, Upgrade, Aven, Figure, Happy Money, PenFed, and Bilt Rewards. The platform has enabled over 30 million account connections for 4 million consumers and facilitated more than $500 million in liability repayments.

## Founded to Fix Debt Management Infrastructure

Method was founded in 2021 by [Jose Bethancourt](https://zerogtalent.com/people/jose-bethancourt) and [Jesus Marco del Carmen](https://zerogtalent.com/people/jesus-marco-del-carmen). The co-founders first encountered the limits of debt payment infrastructure while building GradJoy, a Y Combinator-backed student loan management app. Trying to automate student loan payments revealed that liabilities lacked standardized account or routing numbers, forcing startups to rely on fragile screen-scraping or physical check mailing.

Bethancourt, who serves as CEO, previously worked in engineering at ForeFlight and Clover after studying computer science and business at the University of Texas at Austin. CTO Marco del Carmen previously co-founded GradJoy alongside Bethancourt. Recognizing that financial institutions and developers needed an embeddable protocol to pull liability records and push payments directly, the team pivoted to build Method as dedicated B2B infrastructure.

## Real-Time Monitoring and Series B Growth

Method's $41.5 million Series B brought its total raised capital to approximately $60 million, building on an earlier $16 million Series A led by Andreessen Horowitz and a $2.5 million pre-seed round. The funding supported the rollout of Card Connect, a transaction-level credit card tool, as well as Portfolio Intelligence.

According to [PYMNTS.com](https://www.pymnts.com/consumer-finance/2026/method-financial-ceo-says-lenders-spot-borrower-financial-distress-too-late/), Portfolio Intelligence monitors changes in borrower utilization, credit balances, and payment behavior after loan origination without requiring re-authentication. In an eight-week pilot with a major U.S. mortgage provider, Method's continuous monitoring delivered a 40% increase in borrowers qualifying for debt consolidation and a 27% increase in HELOC-eligible borrowers.

## Hiring Strategy and Open Positions

Method has grown its team to 75 employees and is hiring across multiple offices and functions, with a strong concentration of technical, product, and leadership roles based in New York, NY, along with positions in San Francisco, CA and Austin, TX.

To support enterprise growth and product delivery, Method is hiring a [Forward Deployed Product Manager](https://zerogtalent.com/ai-jobs/method/forward-deployed-product-manager-5343c88c-388c-4188-bcac-3e550c02c04e) and a [Solutions Engineer](https://zerogtalent.com/ai-jobs/method/solutions-engineer-0dff162f-d699-41ce-ba5d-47602f60d69b) to work directly with institutional clients. The engineering team is filling roles such as [Software Engineer](https://zerogtalent.com/ai-jobs/method/software-engineer-9eba8322-0e81-42db-9dcb-81ddcc7c907a) and [Design Engineer](https://zerogtalent.com/ai-jobs/method/design-engineer-0edc4e68-2fbd-4e45-8f91-c031a5ca965a). On the business side, the company is adding an [Enterprise Account Executive](https://zerogtalent.com/ai-jobs/method/enterprise-account-executive-edda99e9-ed88-483d-bp14-071301d6bb26) and a [Director, People](https://zerogtalent.com/ai-jobs/method/director-people-4c924b1a-79dc-4015-a785-0aee9017098f).

| Role | Location | Work Mode | Salary |
| --- | --- | --- | --- |
| [VP of Finance](https://zerogtalent.com/ai-jobs/method/vp-of-finance-aa308e4a-fb28-40ee-9391-800dc7d3743c) | New York, NY | Onsite | $300,000 – $325,000 |
| [Director, People](https://zerogtalent.com/ai-jobs/method/director-people-4c924b1a-79dc-4015-a785-0aee9017098f) | New York, NY | Onsite | $180,000 – $215,000 |
| [Senior Technical Recruiter](https://zerogtalent.com/ai-jobs/method/senior-technical-recruiter-bfa476e4-59f1-4cec-8d6c-82b23be71c2f) | New York, NY | Hybrid | $150,000 – $180,000 |
| [Forward Deployed Product Manager](https://zerogtalent.com/ai-jobs/method/forward-deployed-product-manager-5343c88c-388c-4188-bcac-3e550c02c04e) | New York, NY | Onsite | $180,000 – $220,000 |
| [Design Engineer](https://zerogtalent.com/ai-jobs/method/design-engineer-0edc4e68-2fbd-4e45-8f91-c031a5ca965a) | New York, NY | Hybrid | $150,000 – $200,000 |
| [Solutions Engineer](https://zerogtalent.com/ai-jobs/method/solutions-engineer-0dff162f-d699-41ce-ba5d-47602f60d69b) | San Francisco, CA | Hybrid | $170,000 – $200,000 |
| [Software Engineer](https://zerogtalent.com/ai-jobs/method/software-engineer-9eba8322-0e81-42db-9dcb-81ddcc7c907a) | New York, NY | Onsite | $175,000 – $215,000 |
| [Senior Software Engineer](https://zerogtalent.com/ai-jobs/method/senior-software-engineer-bcb8abe9-2e96-4484-8d7e-7d1fece7a138) | New York, NY | Onsite | $205,000 – $240,000 |
| [Enterprise Account Executive](https://zerogtalent.com/ai-jobs/method/enterprise-account-executive-edda99e9-ed88-483d-bp14-071301d6bb26) | New York, NY | Onsite | $280,000 – $370,000 |
| [Former Founder](https://zerogtalent.com/ai-jobs/method/former-founder-fcaa3cbe-269e-4be2-87e9-f91662c727b6) | Austin, TX | Onsite | Not specified |

[See all open roles at Method](https://zerogtalent.com/ai-companies/method)

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*Source: [Zero G Talent](https://zerogtalent.com), the job board for space, defense, AI, robotics and frontier-tech companies.*