Senior Software Engineer - Fraud Prevention and Client Verification

Fraud Prevention and Client Verification

This team is the trust layer of the platform. Before we lend to anyone, your systems answer two questions: is this person who they say they are, and is the application legitimate? You'll own identity verification, bank-account verification, income verification, and fraud detection, working with a range of third-party risk and verification providers and turning their signals into decisions the rest of the origination process can rely on.

The work is detailed and adversarial. You'll model identity matching, handle re-verification flows, route verified applicants downstream, and minimize fraud while keeping friction low for our clients. You'll also work with some of the most sensitive data in the company, including personal identifiers, bank credentials, and addresses, so handling it securely is part of the everyday job.

You'll be a good fit if you like making sense of external data and turning it into reliable decisions, you think naturally about edge cases and abuse vectors, and you want to own a domain where both false positives and false negatives carry real cost.

As a S enior Software Engineer, you will be working on an innovative and scalable platform that originates personal loans. You will use your experience in software development to write clean, tested, and well-documented code, as well as provide peer code review and mentor other engineers on the team.

About the role

You will own meaningful product and technical initiatives end to end.

• Taking ideas from problem statements to shipped, measurable outcomes
• Working directly with product and business partners to make tradeoffs that actually matter
• Measuring success by impact: conversion, adoption, reliability, and real user outcomes

You will lead by example

• Set engineering standards and patterns through your work, not documents
• Raise the bar on quality, pragmatism, and speed
• Bring depth when things get complex and simplicity when they don't need to be

You will constantly look for leverage

• Improve conversion and product experience, not just "code correctness"
• Introduce or evolve technology when it creates real value.
• Identify small, incremental improvements that compound over time

What You Need

• Product Mindset: You start with the user and the business problem, not the solution. You understand what the end user is trying to accomplish, why it matters, and how success is measured before writing a line of code.
• End-to-end Ownership: If you build it, you stay connected to it from design and implementation through deployment, monitoring, fixes, and future improvements.
• Pragmatic Approach: You value simple, durable solutions over clever ones. You know when to invest in long-term architecture and when to optimize for speed and learning.
• Bias toward Action: You don't wait for perfect requirements or complete clarity. You break complex problems into smaller steps, ship incrementally, learn from real usage, and adjust quickly.
• Clear, direct communication: You explain decisions, tradeoffs, and impact clearly to engineers, product partners, and business stakeholders. You contribute through demos, discussions, and collaboration, not just pull requests.

About you

• 5+ years of professional software engineering experience, with hands-on experience building, shipping, and supporting production software using Node.js, React, and TypeScript.
• You are a true full-stack engineer who owns features end to end across frontend and backend.
• You're comfortable deep in the code and confident making architectural decisions and tradeoffs.
• Experience owning:
• CI/CD pipelines
• Automated testing
• Production monitoring and observability
• Post-production support and iteration
• Experience handling regulated or sensitive data (PII/PIFI) responsibly and intentionally

Our Tech Stack and Architecture

• Frontend: Next.js
• Backend Framework: NestJS (Node.js, Typescript)
• Database: PostgreSQL with TypeORM
• Infrastructure: Docker & AWS
• Architecture: Microservices
• Codebase: Github & Nx Monorepo
• Observability: Amplitude, Sentry, Splunk, Dynatrace.

What y ou'll g et

• Our team members fuel our strategy, innovation and growth, so we ensure the health and well-being of not just you, but your family, too!
• We go above and beyond to give you the support you need on an individual level and offer all sorts of ways to help you live your best life.
• We are proud to offer eligible team members perks and health benefits that will help you have peace of mind.
• Simply put: We've got your back.
• Check out our full list of Benefits and Perks.

On-Call Expectations

• This role may include participation in an on-call rotation to support production systems and ensure service reliability.
• On-call responsibilities may include coverage during nights and weekends.
• If applicable, frequency and scheduling will be determined by team needs and communicated accordingly.