Senior Software Engineer (Lending)

About The Role

You will work closely with the product and credit teams to build go-to-market functions for our lending decisioning engine. You’ll debug and resolve complex issues independently, anticipate potential blockers, and help unblock others when needed.

You will evaluate scope and requirements critically by surfacing ambiguities early, challenging assumptions, and reframing trade-offs to ensure clarity before execution. Progress, risks, and blockers should be communicated proactively through tickets, stand-ups, and async updates to keep teammates and stakeholders aligned.

You will provide detailed peer reviews that improve code quality, maintainability, and extensibility. In addition, you’ll drive continuous improvement by identifying technical debt, proposing design or tooling enhancements, and sharing best practices that increase team velocity and reliability.

About The Team

The team develops Clutch's real-time lending decisioning engine. We work closely with Credit, Product, and Implementation teams to increase auto-decision rates and reduce funding time for our credit union partners. The team operates with a clear cadence and shared rituals, using narrative-driven planning and continuous improvement to ship reliably while collaborating across the broader Lending org.

Engineers own outcomes end to end, from discovery and decision‑ready specs through rollout, monitoring, and follow‑ups.

What You’ll Do

Within 3 months, you will:

• Debug and resolve issues independently, providing clear root-cause analysis and documenting learnings.
• Take ownership of smaller features end-to-end, from clarifying requirements to deployment.
• Build working knowledge of decisioning engine features and rules, being able to explain their impact on the product.
• Proactively ask questions, surface risks, and challenge assumptions early to improve clarity and scope of work.

Within 6 months, you will:

• Drive predictable delivery by proactively communicating progress, risks, and blockers without being prompted.
• Confidently operate on lending decisioning context, making informed tradeoffs and documenting decisions.
• Lead technical implementation for a feature or partner go-live, coordinating with stakeholders for alignment.
• Anticipate potential problems in requirements or design, reframing them with data and alternative solutions before they become blockers.
• Contribute high-quality code reviews that not only ensure standards, but also provide mentorship and elevate peers’ design and coding practices.

Within 9 months, you will:

• Lead and deliver a small-to-medium scoped project independently, including technical design, planning, and rollout.
• Build trust with cross-functional and external stakeholders by representing engineering context and constraints clearly.
• Proactively identify technical debt or process gaps and drive initiatives to resolve them with measurable impact.
• Demonstrate readiness for the next level by consistently owning delivery, influencing peers, and shaping team practices that raise the overall bar.

What You’ll Bring

• Strong product-oriented mindset, able to connect technical decisions with business impact.
• Proven ability to debug and resolve complex issues independently, providing clear root-cause analysis and documenting learnings.
• Experience collaborating cross-functionally with Product, Credit, Implementation, and external stakeholders to align on scope and trade-offs.
• Consistent ownership of small-to-medium projects end-to-end, from discovery and design to deployment and follow-up.
• Ability to critically evaluate requirements, anticipate risks, and propose pragmatic alternatives that improve clarity and delivery outcomes.
• Advanced English skills, both spoken and written.
• Plus: previous experience with loan origination systems is a strong differentiator.

_Please note that this role may evolve as our business needs change, so we appreciate your flexibility and adaptability.

_What’s In It For You?

• Remote Flexibility: Enjoy the freedom of remote work from anywhere, balancing life and career seamlessly.
• Unforgettable Off-Sites: Twice a year, bond with colleagues in exciting destinations, fostering teamwork and fresh ideas.
• Paid Time Off and National Holidays: Enjoy 20 PTO days yearly and the National Holidays for relaxation and rejuvenation.
• Stock Options: Joining us means having a stake in our success, so you'll receive stock options as part of your compensation package.
• Home Office Setup: Create your ideal workspace with a dedicated budget for home office essentials.
• Work Trip Budget: Grow personally and professionally with a budget for work-related trips and co-working.

About Us

Clutch is a revolutionary vertical SaaS company, proudly backed by Andreessen Horowitz (A16z), aimed at revolutionizing the way Credit Unions engage and change the lives of their members. As a champion of financial well-being, we address the urgent need for affordable lending solutions in an era where the average American grapples with over $155,000 in household debt. Unlike traditional financial institutions, Clutch develops software to turn Credit Unions into FinTech lenders and leverage their balance sheets to responsibly lend to over 130M Americans. Our mission extends beyond mere financial transactions; we strive to fundamentally enhance the way credit unions interact with their members. By integrating cutting-edge technologies and user-centric designs, we help credit unions provide seamless digital experiences that are on par with leading tech companies. This approach not only preserves but revitalizes the longstanding tradition of community and member-focused service inherent to credit unions.

Please note: This position is offered on a contractor basis. Applicants must have the necessary documentation and authorization to work in the country where the job is located. Clutch cannot provide sponsorship or assist with obtaining work permits for this role.

A Note About AI At Clutch

We love AI. We use it often and encourage our team to creatively and effectively leverage AI tools in their work. If you join Clutch, we hope you'll bring the same enthusiasm for exploring how AI can amplify impact, productivity, and innovation.

That said, during the interview process, we want to hear your thoughts. Please approach interviews without the use of AI tools—our goal is to get to know how you think, solve problems, and communicate. Once you're in the seat, bring on the prompts!