Senior Full Stack Engineer, Lending

Description

Senior full stack engineer role on the lending engineering team, a small group where financial operations, product and data meet. You will report to the Engineering Director, Lending and work closely with teammates and stakeholders.

The company is a venture-backed startup. Its lending software lets colleges and universities set up and manage their own private student loans so schools can fund students directly. It also runs a talent business that uses student loan repayment as a recruiting and retention tool for healthcare employers.

The company is on the Forbes Fintech 50 list, is a portfolio company of the Society for Human Resource Management, and was named Startup of the Year by StartUp Boston.

The role suits someone who wants to improve a complex codebase carefully and precisely with every change.

Responsibilities

• Build and maintain loan origination features, from application intake and credit decisioning through servicing and collections.
• Create internal tools so the finance team can manage loans, set up programs, produce reports and handle school and borrower requests accurately.
• Take part in architecture choices, code reviews and design discussions that affect the platform's long-term health.
• Use AI-assisted methods such as code generation, test writing, refactoring and documentation to multiply your output and ship better software faster.
• Work with compliance and legal to build TILA, ECOA, fair lending and state licensing rules into the design from the start.
• Build and monitor data pipelines with the data team for credit modeling, compliance reporting and school portfolio analytics, keeping data accurate.
• Now and then, talk with technical staff at schools and universities about integration needs and platform reliability.
• Help grow a culture of learning, high standards and direct, low-ego feedback.

Requirements

• 5+ years of professional software engineering experience, or equivalent, with solid skill in Python, TypeScript and/or JavaScript. You write clean, maintainable code in each and choose the right one for the task.
• Experience building operational or internal tools for fintech, lending or another regulated field.
• You use coding tools such as Cursor, Copilot or Claude as a real force multiplier, not just for autocomplete or review. You want to lead the team in applying AI to engineering.
• Familiarity with Django or a similar Python web framework and React, enough to build full-stack features and follow the full request lifecycle.
• Hands-on work with cloud or serverless infrastructure, such as AWS Lambda, GCP Cloud Functions or similar, plus current deployment practices.
• Clear written and spoken communication, able to explain technical choices to non-engineers and write documentation people actually read.
• You care about technology that widens access to education and economic mobility, and you keep going through the challenges of a changing industry.
• Exposure to fintech, payments, banking or financial services, including adjacent experience.
• Experience designing and building data pipelines, ETL workflows or event-driven systems that are reliable, observable and correct.
• Knowledge of TILA, ECOA or state lending rules and what they mean for code.
• Startup experience where you have worn several hats.
• Experience integrating with loan servicers, payment processors or financial data providers.

Conditions

Remote work limited to Eastern and Central time zones, with some travel required.

Base salary ranges from $135,000 to $165,000 a year, set by experience, qualifications and industry knowledge. Eligible employees also receive an equity component.

No immigration sponsorship is offered for this role, now or in the future. You must already be authorized to work in the United States for any employer.

The company uses AI tools in hiring, including note-taking, scheduling and support in technical assessments, but people review applications and make all hiring decisions. Candidates may use AI to research the company and prepare. During live interviews and assessments, AI should not generate or feed answers. Candidates who prefer evaluation without AI tools or need an accommodation can ask the recruiting team for another process.

Benefits

• Competitive cash and equity pay.
• Health, dental and vision coverage.
• Student loan repayment benefits.
• 401(k) with employer match.
• Flexible PTO policy.
• Room to grow and perform alongside a capable team.