Software Engineer, Home Lending

Who is Recruiting from Scratch: Recruiting from Scratch is a talent firm that focuses on placing the best candidate for our clients.

https://www.recruitingfromscratch.com/

Title of Role: Software Engineer, Home Lending

Location: United States (Remote, with quarterly travel to Columbus, Austin, or San Mateo offices)

Company Stage of Funding: Publicly Traded / Growth-Stage Fintech

Office Type: Digital-First Remote, with quarterly onsite sessions

Salary: $142,000 – $196,600 base + Bonus + Equity

Company Description

We’re representing a leading AI-powered lending platform that partners with financial institutions to expand access to affordable credit. By leveraging advanced machine learning, the company enables banks and credit unions to improve approval rates while reducing risk — all while delivering a seamless, digital-first lending experience.

The platform powers personal loans, auto refinancing, and most recently home lending products (HELOC and mortgage). Millions of homeowners are seeking fast, affordable access to home equity, and this team is building products to unlock that opportunity at scale.

This is a high-impact environment for engineers who thrive at the intersection of AI, fintech, and consumer lending.

What You Will Do

As a Software Engineer on the Home Lending team, you will:

• Build and scale the company’s newest home lending products (HELOC and Mortgage).
• Work across the stack with technologies like AWS, Kafka, Spring Boot, Kubernetes, and Kotlin.
• Turn feature tasks into opportunities to raise code quality and improve the broader system.
• Collaborate closely with product, design, and cross-functional teams to deliver customer-impacting features.
• Propose new ideas, challenge requirements when needed, and drive improvements to team metrics.
• Contribute to testability, resiliency, maintainability, and quality improvements across the codebase.

Ideal Background

• 4+ years of professional experience with Kotlin, Java, or C# (Kotlin is the primary backend language).
• Strong experience with SQL databases and domain modeling.
• Excellent written and verbal communication skills; comfortable tailoring messaging across stakeholders.
• Preference for synchronous collaboration and willingness to spend a few hours daily in Zoom-based coding sessions (e.g., mob programming).
• Comfortable challenging authority and thinking like an owner when making decisions.
• Self-starter with the ability to operate independently and propose product/technical tradeoffs.

Preferred

• Prior fintech or lending experience is a plus but not required.
• Experience working in distributed teams and navigating asynchronous + synchronous collaboration.
• Strong product sense — able to connect technical solutions to customer outcomes.

Compensation and Benefits

• Base Salary: $142,000 – $196,600
• Equity & Bonus: Performance-based bonus + equity participation
• Health: Comprehensive medical, dental, and vision coverage (with HSA contributions)
• Retirement: 401(k) with 100% company match up to $4,500
• Additional Perks:
• Employee Stock Purchase Plan (ESPP)
• Life and disability insurance
• Generous holiday, vacation, sick, and safety leave
• Parental, family care, and military leave support
• Annual wellness, technology, and ergonomic stipends
• Regular social activities, team events, ERGs, and interest groups
• Catered lunches and snacks at office locations

This role is ideal for an engineer who wants to help shape new home lending products at scale, working in a collaborative, mission-driven environment that combines fintech, AI, and real-world customer impact.

Salary Range: $142,000-$196,000 base. https://www.recruitingfromscratch.com/