On this episode of The Tech Trek, we're diving deep into the intersection of engineering, product, and business thinking with Vineet Goel — Co-Founder and Chief Product & Technology Officer at Parafin, a fast-growing fintech startup powering small businesses on platforms like DoorDash, Amazon, and Walmart.

We unpack what it really means to build a company where engineers are product thinkers, why bringing in product managers too early can backfire, and how AI is reshaping what it means to write code — and who’s best positioned to thrive in this new world.

Vineet shares how Parafin scaled with just two PMs to 25 engineers, why every engineer shadows customer support calls, and how GenAI might collapse the wall between product and engineering entirely.

Whether you're an engineer, product leader, founder, or just curious where the future of tech orgs is headed — this conversation is packed with insights you won’t want to miss.

🧠 Key Takeaways

Don’t hire PMs too early. Founders should own product-market fit before bringing on a product leader.

Engineers need a business mindset. At Parafin, engineers are ruthlessly customer-focused — many even shadow support calls.

GenAI will change everything. Writing code is becoming a commodity. Future engineers will need to blend product and technical skills.

The product org evolves with scale. Vineet shares when and why Parafin added a Head of Product, and how it shifted org dynamics.

PMs should create leverage, not just roadmaps. When engineers are stretched thin, PMs help teams stay focused and effective.

⏱️ Timestamped Highlights

00:46 – What is Parafin?

A fintech startup empowering small businesses on platforms like Amazon and DoorDash with embedded financial services.

02:35 – Org Design at Parafin

Why they built a structure that’s neither product- nor engineering-led, but customer-obsessed.

05:09 – 25 Engineers, 2 PMs

How a product-minded engineering culture powers massive output and scale.

06:40 – Customer Empathy as Culture

Engineers shadow support calls—and sometimes ship fixes within the hour.

08:50 – When to Hire a Head of Product

What prompted the shift, and how it solved growing pains around complexity and speed.

11:59 – PMs Create Leverage

Bringing in PMs at the right time accelerates decision-making and keeps engineers focused.

14:28 – Dual Hat of CPTO

How Vineet balances strategy, execution, and organizational leadership.

16:34 – GenAI’s Impact on Engineers

Code is getting commoditized. Engineers must evolve—or risk becoming obsolete.

19:14 – What Happens to Product Roadmaps?

AI will speed up delivery—product teams need to dream further ahead, faster.

21:11 – The ‘Shift Left’ of Engineering

Engineers are moving closer to the business—Vineet predicts a product-tech hybrid role will dominate.

💬 Quote Worth Sharing

“Being product and business minded will become a necessity—not a nice to have. Code is becoming a commodity. The future belongs to those who can build and think.”

— Vineet Goel, CPTO at Parafin