Staff Software Engineer, Credit Underwriting

Block; Kitchener; On-site; CAD 100,000 - 140,000; Full time

Job summary

A leading financial technology company in Kitchener seeks a Staff Software Engineer for its Credit Underwriting Team. The role involves designing and owning underwriting services using data and machine learning to expand access to credit. Candidates should have extensive backend engineering experience and expertise in Go, Ruby, or Kotlin. This is a full-time position offering the opportunity to influence impactful lending capabilities.

Qualifications

• 12 years of backend engineering experience with proven organizational impact.
• Proven track record of architecting and scaling high-reliability financial systems.

Responsibilities

• Solve challenges in underwriting systems working directly in the code.
• Guide technical strategy for underwriting services.
• Mentor engineers in technical and leadership capabilities.
• Collaborate with engineering product and data science teams.

Skills

Backend engineering experience

Expertise in Go, Ruby or Kotlin

Architecting high-reliability financial systems

Mentorship and collaboration skills

Problem decomposition

Tools

AWS

Kafka

Terraform

Ruby on Rails

React

Job description

The Role

Square Banking has revolutionized the way businesses and consumers obtain the funding needed to achieve their goals. Unlike traditional business financing products Square Banking extends offers to pre-qualified sellers with no application process funds are deposited as soon as the next business day and repayment happens as a fixed percentage of daily card sales. Since the product launched in 2014 Square Banking has offered billions of dollars in loans to hundreds of thousands of sellers.

As a Staff Software Engineer on the Credit Underwriting Team you will help grow and expand access to credit for our Square sellers. You will be responsible for designing building and owning sophisticated underwriting services that leverage data and machine learning technologies to originate and approve a variety of lending products. Our customers are internal teams iterating on existing loan products as well as experimenting with brand new loan structures. Our backend is the powerhouse behind all of loan origination and our frontend enables product teams to customize test and manage the credit policies behind these loans. You will work primarily on our backend systems.

You Will

• Solve ambiguous high-risk and cross-team challenges in underwriting systems by working directly in the code and carrying solutions from implementation to resolution across the lending stack
• Guide the long-term technical strategy for underwriting services while contributing hands-on to critical lending platform capabilities
• Partner with engineering product risk and data science teams in shaping and developing novel lending capabilities
• Raise the technical bar through design reviews and architectural guidance creating your own designs for underwriting systems and providing feedback on designs across lending teams setting high standards for reliability maintainability and extensibility
• Mentor engineers to grow their technical depth and leadership capabilities fostering expertise in underwriting domain knowledge and platform development
• Further develop a best-in-class underwriting platform: ensuring robust APIs clear documentation and responsive support that enables credit policy teams to move quickly and safely

You Have

• 12 years of backend engineering experience with proven organizational impact
• Expertise in Go Ruby or Kotlin with openness to learn others
• Proven track record of architecting and scaling high-reliability financial systems with high operational excellence fault tolerance and data integrity
• Strong mentorship cross-team collaboration and technical communication skills with experience building trust across teams and functions
• Ability to decompose complex ambiguous problems into maintainable solutions
• (optional) Domain experience in lending credit underwriting or consumer credit systems

Technologies We Use and Teach

• AWS
• Go
• Ruby on Rails
• Kafka
• Terraform
• ES6 & TypeScript
• React

Required Experience : Staff IC

Key Skills

Campaigns, JSP, Dhtml, Loans, Automobile

Employment Type : Full-Time

Experience : years

Vacancy : 1