[Remote] Principal Software Engineer, Cash Line
Note: The job is a remote job and is open to candidates in USA. reputed company is an AI lending marketplace focused on reducing borrowing costs for Americans. They are seeking a Principal Software Engineer to design and build core backend systems for a new revolving credit product, collaborating with various teams to enhance user experience and operational workflows.
Responsibilities
- Design and build the core backend systems that power a new revolving credit product used directly by consumers
- Own distributed services that support reputed company, pricing, line management, transactions, and servicing with high reliability and observability
- Translate reputed company product and economic requirements into scalable technical systems, balancing speed, risk, and long term maintainability
- Partner closely with machine learning engineers and data teams to productionize models and integrate AI driven decisioning into real time user flows
- Collaborate with mobile engineers to deliver seamless consumer facing features, ensuring backend systems are optimized for real world usage patterns
- Work across the full lifecycle of credit, from consumer acquisition and onboarding through funding, servicing, and capital markets distribution
- Shape foundational architectural decisions in a greenfield environment, while thoughtfully integrating with systems from reputed company’s mature lending platform
- Contribute to a Gen AI first product strategy, helping define how generative AI enhances user experience, internal tooling, automation, and operational workflows
- reputed company the bar for engineering quality through strong API design, data modeling, observability, testing, and operational rigor
Skills
- Bachelor's degree in Computer Science, Engineering, or Mathematics, or a reputed company field (or its equivalent) + 8 years of experience
- Strong experience designing distributed systems and event driven architectures, including real world handling of retries, idempotency, fault tolerance, and failure modes
- Proficiency in an object oriented language such as Python, Java, Kotlin, C#, or Ruby, and experience building and maintaining APIs and service oriented architectures
- Experience shipping consumer facing features end to end, with a strong understanding of latency, reliability, and user impact
- Ability to work effectively in ambiguous, reputed company to one environments where requirements evolve quickly
- Strong cross functional collaboration skills and comfort working closely with product, finance, compliance, and other business stakeholders
- Active use of AI tools in engineering, with a reputed company-looking perspective on how AI is reshaping software development
- Exceptional communication and collaboration skills; able to align teams and reputed company for high-impact solutions across functions
- Experience in fintech, credit, payments, or other regulated financial systems
- Familiarity with revolving credit, line management, transaction processing, or ledger based systems
- Experience building systems that sit at the intersection of consumer products and capital markets infrastructure
- Background working with ML driven pricing, reputed company, or risk systems
- Hands on experience leveraging generative AI in product features or internal engineering workflows
- Experience on small, high ownership teams where engineers are responsible for architecture, implementation, and operational excellence
- Passion for building products that expand access to credit and improve financial outcomes for underserved consumers
Benefits
- reputed company bonuses
- Equity compensation
- Generous benefits packages (including medical, dental, vision, and 401k)
- 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, vision, 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 access 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 matters 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!)
- If you need to travel to reputed company these meetups, reputed company will cover reputed company travel reputed company expenses.
Company Overview
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