Senior Software Engineer, Unsecured Installments

About the role

You own the full journey for Unsecured Installments from first user contact through live operation, taking end to end responsibility for outcomes that matter to millions of borrowers. You shape architecture in React and TypeScript while mentoring peers and driving quality across user facing surfaces, ensuring that decisions today do not create avoidable debt tomorrow. This is a full-time position based in the United States with remote flexibility, allowing you to collaborate closely with distributed teams while maintaining a sustainable rhythm. Base compensation is $190,000 over four years, reflecting the impact and ownership expected of this role. You will translate ambiguous business goals into concrete product and technical strategies, balancing user empathy with engineering pragmatism. You will act as a technical leader for the frontend and full stack ecosystem, setting standards that outlast any single project or team member. Your work will directly influence borrower perception of the platform, reliability of the application flow, and long term maintainability of critical services.

What you'll do

Design end to end borrower flows for Unsecured Installments from intake through live operation, considering edge cases, error states, and recovery paths. Architect scalable frontend patterns and enforce standards that guide mobile-web and full stack teams for years, reducing duplication and inconsistency. Conduct rigorous code reviews to lift quality, testing, and observability across every user facing surface, fostering a culture of continuous improvement. Own integration with backend and data partners, turning vague requirements into reliable, well measured services with clear contracts and expectations. Coordinate with product and design to sequence a multi month roadmap that balances user needs, business goals, and technical debt in a realistic and transparent way. Champion performance and reliability, defining metrics and experiments that prove real user experience improvements and inform future investment. Build trusted partnerships with backend and data teams to align interfaces, timelines, and operational behavior, ensuring smooth collaboration across domains. Navigate ambiguity by carving concrete experiments and success criteria before writing production code, reducing risk and increasing confidence in delivery. Maintain a strong focus on accessibility, internationalization, and security considerations throughout the lifecycle of major features. Support on call responsibilities where needed, responding to production incidents and prioritizing fixes that protect borrower experience. Collaborate closely with data teams to validate assumptions, measure impact, and iterate based on evidence rather than intuition. Document decisions, patterns, and tradeoffs so that future engineers can understand and extend your work with minimal friction.

Key facts

Requirements

You must have hands on experience with React and TypeScript in production digital products, demonstrating deep understanding of component lifecycle, rendering behavior, and user interaction patterns. You must have worked on large, multi month projects that shipped and evolved over extended timeframes, managing complexity, dependencies, and stakeholder alignment. You must understand modern component design, state management, and API contracts for complex user flows, including how to model data for display and mutation. You must demonstrate strong ownership, communicating clearly with diverse teams under tight uncertainty and making progress even when requirements are incomplete. You must be comfortable reading and interpreting technical specifications, API documentation, and data schemas to independently implement solutions without constant guidance. You must have a track record of writing clean, testable code that is maintainable by others and can withstand changes in requirements and team membership. You must be able to break down large problems into smaller, tractable pieces, estimate effort realistically, and adjust plans as new information emerges. You must value collaboration across engineering, product, design, and data, recognizing that the best outcomes emerge from diverse perspectives and shared responsibility.

Nice to have

Experience contributing to lending products or financial services where compliance and reliability are critical, understanding that mistakes can directly affect real people and their financial lives.

Skills & tools

React, TypeScript, Node, SQL, REST, GraphQL, Web Vitals, feature flags, A/B testing tools.

Daily impact

You will own the design and delivery of large, complex frontend and full stack initiatives using React and TypeScript, from planning and sequencing through launch and long term maintenance, ensuring that each phase of the lifecycle is thoughtfully managed. You will set technical direction for the team's frontend architecture and full-stack patterns, owning a 3-6 month roadmap and proactively addressing systemic gaps that threaten team effectiveness or borrower trust. You will partner closely with product, design, and backend engineers to translate roadmap priorities and borrower needs into scalable, high-quality experiences that are performant, reliable, and easy to use. You will raise the bar for engineering excellence through strong component and API design, thoughtful state management, testing, observability, and operational rigor across borrower-facing surfaces, reducing the cost of future changes. You will lead through ambiguity, breaking down loosely defined problems into clear, testable plans and using data to inform tradeoffs on scope, performance, and user experience, ensuring decisions are defensible and measurable. You will build trusted partnerships with backend and data teams to align interfaces, timelines, and operational behavior, creating a cohesive product experience across all touchpoints. You will navigate ambiguity by carving concrete experiments and success criteria before writing production code, minimizing rework and increasing confidence in production releases. You will mentor junior engineers, review code, and share best practices, helping the team grow its collective capability and resilience. You will advocate for the borrower at every level, ensuring that technical decisions consider real world impact on approval times, user friction, and long term satisfaction. You will contribute to the broader engineering culture by participating in design reviews, postmortems, and knowledge sharing sessions that improve how the organization builds and delivers value over time.