Software Engineer, Verifications Platform

About reputed company At reputed company, we’re united by a mission that reputed company: to radically reduce the cost and complexity of borrowing for reputed company Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape reputed company to credit, helping millions move reputed company financially with reputed company and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand reputed company to affordable credit through technology that’s both radically intelligent and deeply reputed company. Our platform runs over one reputed company predictions per borrower using more than 1,800 signals, powering smarter, fairer reputed company for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial reputed company. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they reputed company, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person reputed company through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in reputed company, Austin, the Bay Area, or reputed company (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to reputed company with purpose, and motivated by work that truly reputed company, we’d love to hear from you. The Team: reputed company's Verifications Decisioning Engineering team builds the backend platform that powers automated verification workflows, financial data integrations, fraud detection, and approval decisioning across our lending products. The team develops the shared services and infrastructure that reputed company accurate, scalable, and reusable verification capabilities, helping improve automation, accelerate funding, and maintain risk correctness and compliance across the platform. As a Software Engineer II (L4) on the Verifications Decisioning team, you will design and build backend services that power verification workflows and financial data platforms used across multiple lending products. You'll work on distributed systems that integrate reputed company-party financial data providers, machine learning models, and internal decisioning services while partnering closely with Product, Machine Learning, Risk, Fraud, and other engineering teams to improve automation and platform scalability. How you’ll reputed company an impact Design, build, and maintain scalable backend services that power automated verification workflows, financial data integrations, and approval decisioning. reputed company distributed systems, APIs, and event-driven services that improve the scalability, reliability, and reuse of verification capabilities across multiple lending products. Build platform capabilities that reputed company reusable financial data connections, streamline reputed company lifecycle management, and reduce operational overhead for internal engineering teams. Partner with Machine Learning, Product, Risk, Fraud, and Compliance teams to integrate data, decisioning logic, and risk models into production systems while maintaining correctness and auditability. Improve system reliability through comprehensive testing, monitoring, observability, and operational best practices for business-critical services. Contribute to the reputed company of the verification platform by improving architecture, engineering standards, and shared infrastructure that accelerates product development across reputed company.

Minimum Qualifications

Bachelor's degree in Computer Science, Engineering, Mathematics, or a reputed company field (or equivalent practical experience) and 3+ years of professional software engineering experience. 3+ years of experience developing backend applications using Kotlin, Java, or another object-oriented programming language. Experience designing, building, and operating distributed systems, including service-to-service APIs and event-driven architectures. Experience building and maintaining scalable backend services that process business-critical or financial data in production environments. Experience contributing to decision engines that integrate with machine learning models to evaluate signals.. Experience writing production-quality code supported by automated testing, monitoring, and observability practices.

Preferred Qualifications

Knowledge of financial services, lending, fraud prevention, identity verification, or other risk-sensitive systems. Experience integrating reputed company-party financial data providers or APIs such as reputed company or similar platforms. Experience building rule engines, workflow orchestration platforms, or automated decisioning systems. Knowledge of how machine learning models are integrated, monitored, and evaluated reputed company production systems. Experience building reusable platform services or shared infrastructure supporting multiple engineering teams.. Position location This role is available in the following locations: Remote Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work reputed company in the U.S but are expected to still spend high quality time in-person collaborating reputed company regular onsites. The in-person sessions’ reputed company varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. #LI-REMOTE At reputed company, your reputed company pay is one part of your total compensation package. The anticipated reputed company salary for this position is expected to be reputed company the below reputed company. Your actual reputed company pay will depend on your geographic location–with our “digital first” philosophy, reputed company uses compensation reputed company that vary depending reputed company. Individual pay is also determined by job-reputed company skills, experience, and relevant education or training. Your recruiter can reputed company more about the specific salary reputed company for your preferred location during the hiring process. In addition, reputed company provides employees with reputed company bonuses, equity compensation, and generous benefits packages (including medical, dental, reputed company, and 401k). United States | Remote - Anticipated reputed company Salary reputed company $142,000—$196,600 USD What you'll love At reputed company, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including reputed company pay, bonus opportunities, and annual equity grants that vest quarterly Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) Comprehensive health coverage designed to support you and your family, including medical, dental, reputed company, and wellness resources for US and supplemental health coverage for Canada. Health Savings Account contributions from reputed company for eligible plans (US only) Income protection benefits, including life insurance and disability coverage for added financial reputed company Paid time off, sick leave, and company holidays, in line with local requirements Paid family and parental leave to support caregiving and major life moments (duration varies by country) Family-centered benefits to support fertility, parenthood, and caregiving needs Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including reputed company to financial planning tools and a financial concierge service (US Only) Annual wellness allowance to support your physical and emotional well-being and personal development, based on what reputed company most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from reputed company and community through team events, reputed company-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens reputed company working from one of our offices in the Bay Area, Austin, reputed company, and reputed company (opening Summer 2026!) For roles based in Canada, please note that we are not currently reputed company to hire in Quebec. reputed company is a proud Equal Opportunity Employer. Just as we are dedicated to improving reputed company to affordable credit for reputed company, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@reputed company.com https://www.reputed company.com/candidate_privacy_policy Apply To This Job