Senior Software Engineer (Institutional, Financing)

Xapply; Northern (KY); Hybrid; USD 208,000 - 219,000; Full time

Job summary

Coinbase is seeking a Senior Software Engineer on the Financing Engineering team within the Institutional group. You will design, build, and scale backend services that manage billions in loans across Portfolio Margin, Trade Finance, and lending, enabling lenders to operate confidently on our platform.

Lead design reviews, mentor engineers, and collaborate with Product, Risk, and Operations to translate business needs into scalable technical solutions.

Qualifications

• 5+ years of backend software engineering experience with production ownership.
• Experience designing, building, and scaling service-oriented architectures.
• Experience with relational data stores, gRPC/Protobuf, and observability in a cloud-native environment.
• Ability to mentor engineers and lead technical design reviews.
• Familiarity with high-reliability or financial workloads.

Responsibilities

• Own design and delivery of financing products from architecture to production launch.
• Build and maintain backend services, APIs, and frameworks for loan lifecycle management.
• Improve tooling, testing, monitoring, and operational reliability across financing systems.
• Collaborate with Product, Risk, Operations, and other engineering teams to translate requirements into scalable solutions.
• Lead technical initiatives to strengthen system resilience and enable safe, fast shipping.

Skills

Backend development

Go or Java

Distributed systems

Mentorship

Relational databases

gRPC/Protobuf

Observability tooling

Cloud-native

AI for workflow optimization

Job description

Ready to do the most impactful work of your career? At Coinbase, we are uncompromising on our mission to increase economic freedom. The bar is high, the environment is intense, and we like it that way. This isn't a place for complacency, it's a place to be pushed past your perceived limits. If you're ready to build the future of finance alongside people who refuse to settle for "good enough,", you belong here. Coinbase is a remote-first, but not remote-only company. Expect to get together quarterly for intense in-person working sessions called "surges." learn more about working at Coinbase.

As a Senior Software Engineer on the Financing Engineering team within the Institutional group, you'll design, build, and scale the systems that safely manage billions of dollars in loans across Portfolio Margin, Trade Finance, Agency Lending, Bilateral Lending, and more. Financing is foundational to the Prime Brokerage business, enabling customers to use leverage on trading positions and generate yield on long holdings. You'll own critical backend services that drive recurring revenue, increase trading activity, and keep institutional assets on platform.

What you'll do:

• Own the design and delivery of new financing products and features, from architecture through production launch, ensuring correctness and safety across high-value lending operations.
• Build and maintain backend services, APIs, and frameworks that support loan lifecycle management, risk calculations, and real-time position tracking.
• Drive engineering excellence by improving developer tooling, testing infrastructure, monitoring, and operational reliability across financing systems.
• Partner with Product, Risk, Operations, and other engineering teams to translate business requirements into scalable, well-scoped technical solutions each quarter.
• Lead technical initiatives that strengthen system resilience, reduce operational risk, and support the team's ability to ship safely at speed.

Required skills and experience:

• 5+ years of backend software engineering experience, with production ownership of services handling high-reliability or financial workloads.
• Proven track record designing, building, and scaling service-oriented architectures in Go, Java, or a comparable backend language.
• Experience building and operating distributed systems where correctness, availability, and data integrity are critical.
• Demonstrated ability to mentor engineers, lead technical design reviews, and raise the bar on code quality across a team.
• Familiarity with relational data stores, gRPC/Protobuf, and observability tooling in a cloud-native environment.
• Utilizes generative AI responsibly, maintaining human oversight to deliver business-ready outputs and drive measurable improvements in workflow efficiency, cost, and quality.

Pay Transparency Notice:Base salary varies by location (see range below). Total compensation may also include equity and bonus eligibility, and benefits (medical, dental, vision, 401(k)).

Annual base salary range (excluding equity and bonus): $207,955 - $218,900 USD

• Application Limit: Candidates may submit a maximum of 3 applications within a 6-month period.
• Equal Opportunity Employer: Coinbase is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, protected veteran status, or genetic information. Applicants with criminal histories will be considered consistent with applicable federal, state, and local laws.
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• Accommodations: If you are an individual with a disability who needs a reasonable accommodation, email us your request and contact info at accommodations[at]coinbase.com. Need screen reading technology? Click here to download a free compatible screen reader and view tutorial.
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