Software Engineer, Lending

Responsibilities

• Independently own and deliver features end-to-end
• Design, develop, test, refactor and scale backend implementations of new and existing consumer product features
• Work with the mobile team to design and build strong, resilient APIs that power the member facing mobile app
• Collaborate with cross functional teams to understand member pain points and come up with solutions
• Proactively identify opportunities for improving the reliability and scalability of our systems
• Work across the engineering team to improve and uphold high technical standards
• Grow into owning larger components of the system over time

Requirements

• 3+ years building and operating production software at scale
• Experience with Ruby on Rails (or comparable frameworks) designing and running APIs
• Strong grasp of relational databases and caching, including safe schema changes/migrations
• Familiarity with distributed systems fundamentals (async processing, idempotency, retries, backfills) and exposure to high-scale architectural patterns
• Commitment to maintainable, well-tested code — including improving existing systems, not just shipping new ones
• Excellent cross-functional communication: clarifying requirements, weighing tradeoffs, delivering incrementally
• Curiosity about how things work, with a product mindset geared toward experimentation and measuring impact
• Interest in data-driven systems and third-party data integration (fintech/risk experience a plus)

Nice-to-Haves

• Start-up experience a plus

Compensation

The base salary offered for this role and level of experience will begin at $133,000 and up to $184,000. Full-time employees are also eligible for a bonus, competitive equity package, and benefits. The actual base salary offered may be higher, depending on your location, skills, qualifications, and experience.