At VantageScore we drive impact for good on a massive scale impacting tens of millions of people across the United States. Our mission is to be the leading credit modeling company delivering the most predictive, most innovative, and most inclusive tri-bureau models and attributes in the US market. Our innovation is increasing access for millions more Americans to financial products and homeownership. Our models are among, if not the most, inclusive in the United States and power billions of credit scores a year.

We are fueled by a growing, exceptionally talented team and are actively seeking individuals who can join us in driving us toward our ambitious goals. At VantageScore, you'll have the unique opportunity to work within a fast-paced, independent start-up culture while enjoying the financial stability that comes from being backed by the three leading US credit bureaus.

VantageScore® consumer credit scoring models combine the need for both financial inclusion and dependable predictiveness across all scoring ranges. An industry thought leader and technology innovation leader, the company's most recent models score approximately 94 percent of all adults 18 and older – including 33 million more people than conventional models – without sacrificing safety and soundness. As a result, lenders using VantageScore can extend credit to those who have been historically marginalized, including minority and lower-to-middle-income Americans. VantageScore credit scores are used by over 3,700 banks, fintechs and other companies every day to assess consumer creditworthiness.

Last year, over 42 billion VantageScore credit scores were used representing a 55% yearly increase. All 10 US banks use VantageScore credit scores or digital tools in one or more line of business. Starting in 2025 the FHFA has required VantageScore credit scores to be used for all mortgages sold to, or guaranteed by, Fannie Mae and Freddie Mac. Get started using VantageScore credit scores today - we are the leader in predictive power and financial inclusion.

About The Role

We are seeking a mid-level Software Engineer with strong Python experience to join our growing engineering team. You will design, build, and maintain scalable applications and services, collaborate cross-functionally, and help drive best practices in coding, testing, and deployment.

This role is ideal for an engineer who is comfortable working in fast-moving environments and is passionate about building high-quality software.

Key Responsibilities

Design, develop, and maintain backend services, APIs, and data pipelines using Python.
Migrate and convert existing SAS code to Python, ensuring functionality and performance parity.
Collaborate with product managers, designers, and fellow engineers to define requirements and deliver solutions.
Write clean, maintainable, and well-tested code.
Participate in code reviews and provide constructive feedback.
Debug, troubleshoot, and improve application performance and reliability.
Contribute to architectural discussions and implementation strategies.
Help automate workflows and improve development processes.
Maintain documentation of systems, workflows, and features.
Support production systems and participate in on-call rotations (if applicable).

Required Qualifications:

Bachelor's Degree
Candidates must be based within 1 Hr. commuting proximity to our office in the San Francisco Peninsula
3–5 years of professional software development experience.
Strong proficiency in Python and familiarity with frameworks such as Django, Flask, or FastAPI.
Experience building RESTful or GraphQL APIs.
Solid understanding of software engineering fundamentals: data structures, algorithms, OOP.
Experience with relational and/or NoSQL databases (e.g., PostgreSQL, MySQL, MongoDB).
Familiarity with version control (Git) and CI/CD pipelines.
Working knowledge of cloud platforms (AWS, GCP, or Azure).
Ability to write unit/integration tests.
Excellent problem-solving and communication skills.