Scale Architect: Senior Director, Software Engineering

ITSMF; Plano (TX); On-site; USD 286,000 - 327,000; Full time

Job summary

Capital One is seeking a Senior Director of Software Engineering - CTO for Auto Refinance in Plano, TX. You will own the technology stack across the complete lending lifecycle, from marketing targeting to underwriting, pricing, and funding operations.

This role requires strategic leadership of multiple engineering teams and a drive to modernize data architectures and decisioning platforms. You will build and evolve high-throughput, low-latency systems, champion real-time risk decisioning, and

Qualifications

• Designing and operating high-throughput, low-latency platforms in consumer finance or similar scale.
• Deep familiarity with decoupling monoliths into resilient services.
• Experience integrating AI tooling into core product lifecycle.

Responsibilities

• Own the technology stack across the complete lending lifecycle end-to-end.
• Lead multiple product-focused software engineering teams across Agile environments.
• Define and deliver the destination architecture with real-time cash-flow projections.

Skills

Distributed systems

AI integration

Leadership

Cloud computing

Real-time decisioning

Engineering leadership

Education

Bachelor’s Degree in Computer Science

Master’s Degree

Job description

Capital One is seeking a Senior Director of Software Engineering - CTO for Auto Refinance in Plano, TX. You will own the technology stack across the complete lending lifecycle, from marketing targeting to underwriting, pricing, and funding operations.

This role requires strategic leadership of multiple engineering teams and a drive to modernize data architectures and decisioning platforms. You will build and evolve high-throughput, low-latency systems, champion real-time risk decisioning, and