Software Engineer

We’re working with a high-growth fintech company on a mission to bring more humanity to consumer finance. By combining data and thoughtful product design, they help financial institutions streamline collections while offering borrowers clear, compassionate pathways to regain financial stability and move toward long-term financial freedom.

Our client's engineering teams are scaling rapidly to meet ambitious technical challenges across borrower experience, client operations, and compliance infrastructure. As a Software Engineer, you'll own end-to-end delivery of meaningful features that directly impact how millions of people interact with debt resolution. Every feature you ship — whether it's personalizing payment options, streamlining compliance workflows, or building AI-powered support tools — translates into real people finding pathways out of debt with dignity rather than harassment.

You'll work independently on complex technical problems while collaborating effectively across engineering, product, and operations teams. This role requires engineers who thrive in ambiguity, communicate trade-offs clearly, and take initiative to solve problems before they become blockers. You'll contribute to a culture where AI-powered innovation transforms consumer finance, with opportunities to tackle challenges that stretch your capabilities and accelerate your growth into senior-level technical leadership.

Key Responsibilities

• Own Feature Delivery End-to-End

• Independently scope, design, and ship features across the stack — from targeted enhancements to multi-system integrations

• Make architectural decisions within your scope that balance long-term maintainability with immediate delivery pressure

• Identify and resolve technical blockers proactively, escalating strategically when you've exhausted reasonable options

• Drive Technical Excellence with Business Context

• Translate product requirements into technical solutions, probing for edge cases and constraints that partners may not have considered

• Articulate trade-offs between technical approaches using concrete examples: performance implications, development time, operational complexity, and user impact

• Contribute meaningfully to technical discussions with data-driven recommendations, pushing back constructively when proposals create technical debt

• Navigate Ambiguity and Accelerate Team Velocity

• Work effectively when requirements are unclear or changing, asking clarifying questions that expose hidden assumptions and unblock progress

• Reduce coordination overhead by anticipating dependencies — notifying other teams before your work affects them

• Take ownership of problems outside your immediate scope when they block team progress

• Elevate Code Quality and Engineering Standards

• Write maintainable, well-tested code that other engineers can build upon without extensive context

• Provide thoughtful code review feedback that catches not just bugs but architectural issues before they compound

• Contribute to technical documentation and knowledge sharing that reduces onboarding friction and scales team effectiveness

• Embrace AI-Driven Innovation

• Actively use AI tools (Cursor, Copilot, ChatGPT) to accelerate your development velocity and code quality

• Identify opportunities where AI capabilities can improve product features or internal workflows

• Share learnings about effective AI usage patterns with your team

Requirements

• 3–5 years of experience in backend software engineering

• Strong proficiency in at least one backend language (e.g., Python, Java, Go), with the ability to write clean, maintainable, and testable code

• Solid understanding of APIs, databases, and modern web technologies

• Experience providing thoughtful, constructive code review feedback that elevates team standards

• Bachelor’s degree in Computer Science or a related technical field