Principal Software Engineer (APIs)

Testing Site - JPMC; Wilmington (DE); On-site; USD 180,000 - 240,000; Full time

Job summary

JPMorganChase seeks a Principal Software Engineer for Home Lending - Originations to drive architectural design, API strategy, and scalable integrations across multiple platforms.

You will lead design reviews, ensure security and performance, and mentor teams while aligning data contracts to MISMO standards and Encompass LOS capabilities.

Qualifications

• 10+ years of software engineering experience.
• Deep expertise in REST/GraphQL/gRPC APIs and event-driven architectures at enterprise scale.
• Hands-on Encompass LOS experience including Developer Connect APIs, SDK/plugins, business rules, and pipeline automation.
• Strong mortgage domain knowledge including MISMO 3.4+, UCD, HMDA, DU/LP workflows, TRID/RESPA impacts.

Responsibilities

• Own the design integration and API strategy with clear versioning, security, and lifecycle standards.
• Define reusable integration patterns and canonical data contracts aligned to MISMO.
• Lead design reviews and maintain reference architectures and ADRs across domains.
• Ensure designs meet security, resiliency, performance, scalability, cost, and operability.
• Design and oversee Encompass LOS integrations and customizations using Developer Connect, SDK, and plugins.
• Orchestrate Encompass data flows with pricing engines, DU/LP, credit, appraisal, title, eClose, CRM, and document systems.
• Drive platform capabilities for API gateways, event streaming, identity/authorization, webhook integration.
• Establish SLIs/SLOs, resiliency patterns, and telemetry standards to improve reliability and reduce MTTR.
• Mentor engineers and product partners on strategic design and platform-thinking.
• Design PoCs and enforce governance for schema versioning, backward compatibility, and data lineage.

Skills

REST/GraphQL/gRPC APIs

Event-driven architectures

MISMO data contracts

Encompass LOS integrations

APIs security best practices

Telemetry & SLI/SLOs

Mentoring engineers

Education

BS in Computer Science or related field

Tools

Developer Connect APIs

SDK/plugins

Job description

If you are looking for a game-changing career, working for one of the world's leading financial institutions, you’ve come to the right place.

As a Principal Software Engineer at JPMorganChase within the Home Lending - Originations group, you provide expertise and engineering excellence as an integral part of an agile team to enhance, build, and deliver trusted market-leading technology products in a secure, stable, and scalable way. Leverage your advanced technical capabilities and collaborate with colleagues across the organization to drive best-in-class outcomes across various technologies to support one or more of the firm’s portfolios.

Job responsibilities

• Own the design integration and API strategy (REST/GraphQL/gRPC, event-driven) with clear versioning, security, and lifecycle standards.
• Define reusable integration patterns and canonical data contracts aligned to MISMO to ensure consistency and reuse.
• Lead design reviews and maintain reference architectures and ADRs across domains, guiding strategic design decisions.
• Ensure designs meet non-functional requirements for security, resiliency, performance, scalability, cost, and operability.
• Design and oversee Encompass LOS integrations and customizations using Developer Connect, SDK, and plugins.
• Orchestrate Encompass data flows with pricing engines, DU/LP, credit, appraisal, title, eClose, CRM, and document systems.
• Drive platform capabilities for API gateways, event streaming, identity/authorization, webhook integration etc
• Establish SLIs/SLOs, resiliency patterns, and telemetry standards to improve reliability and reduce MTTR.
• Mentor engineers and product partners on strategic design, integration best practices, and platform-thinking.
• Design and ideate PoCs experiment andand enforce governance for schema versioning, backward compatibility, and data lineage.

Required qualifications, capabilities, and skills

• Formal training or certification on software engineering concepts and 10+ years applied experience
• Deep expertise designing and governing REST/GraphQL/gRPC APIs and event-driven architectures at enterprise scale.
• Hands-on Encompass LOS experience including Developer Connect APIs, SDK/plugins, business rules, and pipeline automation.
• Strong mortgage domain knowledge including MISMO 3.4+, UCD, HMDA, DU/LP workflows, and TRID/RESPA impacts
• Proficiency with Kafka or equivalent streaming platforms and robust messaging patterns with DLQs and idempotency.
• Excellent communication and mentoring skills with a BS in CS or related field
• Experience in Computer Science, Computer Engineering, Mathematics, or a related technical field