Senior Software Engineer, Lending

Responsibilities

• Lead end-to-end architecture and delivery of backend systems that connect member-facing lending products with shared platforms such as Credit Risk, Capital Markets, Repayments, servicing, and core financial systems.
• Drive complex, cross-team initiatives from problem definition through architecture, implementation, rollout, and iteration, especially where multiple teams or domains need to move in sync.
• Own technical problems with real business and member impact, and bring structure, momentum, and clarity when the path is not obvious.
• Define and evolve APIs, integration patterns, and data contracts so product teams can move faster without compromising safety, correctness, or reuse.
• Design for scale, resiliency, observability, and operational excellence, with strong handling of failures, retries, reconciliation, auditability, and edge cases.
• Identify opportunities to turn one-off product needs into reusable platform capabilities that unlock future velocity across Lending.
• Partner closely with Product, Design, Risk, Data Science, Analytics, Finance, and Operations to translate ambiguous problems into practical, high-leverage technical solutions.
• Influence how product and platform teams work together by clarifying ownership, reducing integration friction, and improving the quality of technical decision-making across boundaries.
• Participate in on-call and incident response, and lead efforts to turn production lessons into lasting improvements in systems, tooling, and engineering practices.
• Mentor other engineers through design reviews, technical feedback, and hands-on partnership, helping raise the leadership capacity of the broader org.
• Contribute to roadmap and strategy conversations by identifying where platform investments can unlock multiple product outcomes over time.

Requirements

• 8+ years of experience building and operating production software at scale, with a strong track record of owning backend systems end-to-end.
• Strong backend engineering fundamentals, ideally with Ruby on Rails or a comparable framework, and experience building APIs and distributed systems in production.
• Experience with transactional databases, asynchronous processing, caching, and large-scale application architecture.
• Strong system design judgment and the ability to make sound tradeoffs across correctness, scalability, resiliency, speed, and long-term maintainability.
• A track record of leading complex projects that span multiple teams, systems, or business workflows.
• Experience working in fintech, lending, banking, payments, risk, or other high-integrity domains where correctness, traceability, and operational rigor matter deeply.
• A high-ownership mindset and comfort operating in ambiguity, including the ability to create clarity, drive alignment, and move important work forward without waiting for perfect structure.
• Strong communication and collaboration skills, with the ability to influence across engineering and cross-functional teams in a low-ego, effective way.
• A product mindset and strong instincts for connecting technical decisions to member experience and business outcomes.
• Experience mentoring engineers and helping teams raise the bar on design quality, testing, operational excellence, and engineering ownership.
• Curiosity, sound judgment, and a genuine desire to understand systems deeply and improve them over time.

Nice-to-Haves

• Experience with lending or credit systems such as underwriting, eligibility, line assignment, limits, repayments, collections, servicing, or decisioning.
• Experience with financial platform domains such as capital markets workflows, reconciliations, ledgering, accounting interfaces, partner integrations, or bank integrations.
• Familiarity with experimentation, analytics, and data-informed systems used to safely evolve decisioning and product strategy over time.
• Experience helping product teams adopt shared platform capabilities through strong APIs, abstractions, internal tooling, or platform patterns.

Compensation

• Base salary: $164000 - $259000 (may be higher depending on location, skills, qualifications, and experience).
• Eligible for bonus, competitive equity package, and benefits.