Lead Software Engineer

Quick Facts

• Role: Lead Software Engineer (backend-focused; full-stack fluency needed as required)
• Location: San Francisco (hybrid; in-office Tuesdays–Thursdays; local PT hours required)

Description

Lead the design and delivery of backend tools and services that make Operations work faster, more reliable, and easier to scale. Partner with Operations and Underwriting teams to simplify workflows and improve efficiency, with real influence over the technical direction of systems they rely on daily. Ensure secure, responsible access to PII and other sensitive borrower and loan data, and identify opportunities for automation and AI-assisted workflows.

Responsibilities

• Own and deliver tools and services that improve operational efficiency, from design through production
• Build understanding of banking and underwriting domains so systems streamline existing workflows
• Make architecture and implementation decisions balancing speed, reliability, and long-term maintainability
• Apply security and data access practices by design, including scoping, masking, and auditing sensitive data
• Identify opportunities to automate or streamline manual operations workflows, including the use of AI where appropriate
• Translate stakeholder pain points into practical technical solutions
• Review code and designs to raise the bar for quality, consistency, and security
• Troubleshoot production issues, lead root cause analysis, and implement improvements that prevent recurring problems
• Share context and mentor other engineers on the team’s systems, domain, and ways of working

Requirements

• 7+ years of backend software engineering experience
• Bachelor’s degree or higher, or equivalent combination of education and work experience
• Deep expertise building backend services in Java and Spring Boot
• Strong command of AWS
• Experience with relational and NoSQL data stores
• End-to-end ownership mindset with proactive improvement of outcomes
• Curiosity and ability to deeply learn the banking and underwriting domain
• Practical understanding of how to handle PII and sensitive financial data responsibly
• Hands-on experience using AI tools to accelerate work and improve output quality
• Clear communication with both engineers and non-technical Operations stakeholders
• Enough front-end experience to pick up UI work when the problem calls for it

Benefits

• Medical, dental, and vision plans for employees and their families
• 401(k) match
• Health and wellness programs
• Flexible time off policies for salaried employees
• Up to 16 weeks paid parental leave
• Potential long-term awards (equity) and an annual bonus based on performance