Software Engineer, Lending

About the role

This role provides technical leadership and implementation that directly drives outcomes for high-scale lending products. You will guide architecture and delivery for systems that serve millions of customers across the lending lifecycle. The position requires ownership of full lifecycles, from initial product exploration through to production operation and iterative improvement. You will work closely with product, design, and operations to translate business strategy into robust, scalable engineering solutions. The focus is on building reliable, secure, and high-performing systems within regulated consumer finance environments. Success is measured by your ability to explain complex technical decisions in plain language to diverse stakeholders. You will spend time planning, conducting code reviews, and debugging, ensuring quality is built in from the start. This role is ideal for an engineer who thrives on turning ambiguous problems into elegant, scalable products.

Key facts

What you'll do

Architect and implement backend services and distributed systems that power core lending workflows and decisioning engines.

Design and enforce standards for code quality, performance, and reliability across large-scale lending initiatives to ensure consistency and maintainability.

Collaborate with product, design, and operations partners to define and deliver end-to-end lending product strategies through precise engineering execution.

Optimize systems for regulated consumer finance workloads to achieve high levels of reliability, security, and scalability under demanding conditions.

Balance rapid delivery with sustainable, maintainable solutions by making technical decisions that support both speed and long-term product health.

Leverage modern frontend frameworks to build responsive client applications for web, iOS, and Android, often using React Native for cross-platform efficiency.

Utilize AI-assisted development tools such as Claude Code or Cursor to enhance engineering workflows and accelerate feature development.

Analyze complex problems in payments, lending, or other regulated domains to design robust APIs and data-intensive services that meet regulatory and business needs.

Work within fast-moving, urgent cultures by taking initiative and adapting quickly to shifting priorities while maintaining clear communication with cross-functional partners.

Contribute to career growth by mentoring peers, owning outcomes end to end, and tackling scalable technical challenges that have significant product impact.

Drive the design and evolution of systems infrastructure to support embedded finance and direct lending products that reach millions of consumers.

Ensure that all delivered solutions adhere to security, compliance, and operational best practices required in regulated financial services environments.

Participate actively in the full delivery lifecycle, from planning and refinement through implementation, testing, and post-deployment monitoring.

Continuously improve engineering practices by refining processes, tools, and documentation to support high-performance lending platforms.

Requirements

Experience building and scaling distributed systems, high-throughput APIs, or data-intensive services is required with an 8+ year background in relevant domains.

Full-stack engineering proficiency must be demonstrated through strong backend architecture skills and expertise with modern frontend frameworks.

You must have a proven track record of designing and working on reliable, secure, and high-performing systems, often within payments, lending, or other regulated consumer finance domains.

Clear communication and effective collaboration are essential when working with cross-functional partners in a fast-moving, deadline-driven environment.

An initiative-driven mindset and a commitment to growth are necessary to adapt quickly and contribute successfully within high-performing engineering teams.

A minimum of 8+ years of professional experience is required to ensure readiness for complex technical responsibilities and leadership expectations.

Demonstrated ability to write clean, testable, and maintainable code that supports long-term product stability and scalability.

Comfort working in environments where requirements evolve rapidly and solutions must be delivered with speed and precision.

Nice to have

Experience in payments, lending, or regulated consumer finance domains is present and can provide context for domain-specific challenges.

Familiarity with technologies commonly used in fintech environments, such as Node, TypeScript, NestJS, Kubernetes, AWS, and React Native.

Practical notes

This role is remote within the United States.

The position offers equity and participates in a 401(k) plan with company match.

Standard interviews include a talent partner screen, technical or hiring manager interview, team interview, executive interview, and offer.

Typical interview steps usually start with a recruiter screen, followed by one or two technical rounds where candidates solve coding problems, discuss past projects, and answer system design questions. Some loops may include a take-home task. Final rounds typically cover team fit and provide candidates an opportunity to ask questions. Interviewers focus on how you break down unfamiliar problems, not just whether you reach the answer. Practicing a few problems aloud and reviewing your own past projects are the best preparation.

Career growth

Engineering careers usually progress from individual contributor to senior, staff, and principal levels. Some engineers move into management and lead teams of five to twenty people. Others stay on the technical track. Growth follows demonstrated impact, not tenure alone. A typical engineering ladder has clear levels with defined expectations for scope, quality, and mentorship. Moving up usually requires owning outcomes end to end rather than completing assigned tickets.