Software Engineer, Cash Line

Ladders; United States; On-site; USD 142,000 - 197,000; Full time

Benefits offered by this job

401(k) match up to $15,000

Employee Stock Purchase Plan (ESPP)

Health coverage

PTO & family leave

Job summary

Ladders is seeking a Software Engineer, Cash Line to join a leader in Finance & Insurance. The role focuses on building backend systems supporting borrower journeys from offer generation through funding and account management.

You will design scalable APIs, work with product/design/engineering teams, and ensure code quality, testing, and observability while enabling experimentation for better borrower and business outcomes.

Qualifications

• Bachelor’s degree or equivalent practical experience in CS/engineering.
• 4+ years of professional software engineering experience.
• Strong backend service development experience.
• Proficiency with Python, Java, Kotlin, Ruby, or Node.js.
• Experience with REST or GraphQL and service-oriented architectures.
• Commitment to well-tested, maintainable code and code reviews.

Responsibilities

• Design, build, and maintain backend services and APIs for borrower journeys and account workflows.
• Develop systems for offer generation, pricing, underwriting, funding, and account management.
• Integrate backend capabilities with borrower-facing apps and partner systems.
• Collaborate with product managers, designers, and engineers to scope and deliver features.
• Write well-tested code and participate in code reviews to raise team standards.
• Improve performance, reliability, and observability across environments.
• Support data-driven experimentation by creating flexible services.

Skills

Backend development

REST APIs

GraphQL

Programming languages

Education

Bachelor's degree in Computer Science, Engineering, or related field

Tools

Python

Java

Kotlin

Ruby

Node.js

Job description

For our client, we are seeking a Software Engineer, Cash Line to join the team of a leader in the Finance & Insurance space.

This role focuses on building and evolving backend systems that support the borrower experience from offer generation through funding and account management. You will partner closely with product, design, and engineering to deliver reliable services, improve system performance, and support experimentation that drives better outcomes for borrowers and the business.

You will contribute to scalable APIs and service-oriented architecture while maintaining strong standards for code quality, testing, and observability.

Location: Remote - US based candidates only, no visa sponsorship available

Compensation: $142,000 – $196,600 annually

Responsibilities

• Design, build, and maintain reliable backend services and APIs for the borrower journey and related account workflows.


• Develop systems that support offer generation, pricing, underwriting, funding, and account management.


• Integrate backend capabilities with borrower-facing applications and partner systems as needed.


• Collaborate with product managers, designers, and engineers to scope and deliver impactful features.


• Write well-tested, maintainable code and actively participate in code reviews to improve team standards.


• Enhance performance, reliability, and observability of systems, and troubleshoot issues across environments.


• Support data-driven experimentation and improvements by creating flexible services.

Qualifications

• Bachelor's degree in Computer Science, Engineering, or a related field, or equivalent practical experience.


• 4+ years of professional software engineering experience.


• Strong proficiency building backend services and APIs in Python, Java, Kotlin, Ruby, or Node.js.


• Experience designing and working with REST or GraphQL APIs and service-oriented architectures.


• Solid fundamentals in writing tested, maintainable code with a focus on collaboration through code reviews.


• Ability to work effectively with product and design teams from concept to production.

Benefits

• Competitive compensation with base pay, bonuses, and quarterly equity grants.


• Generous retirement plan with a 401(k) match up to $15,000 annually.


• Employee Stock Purchase Plan (ESPP) with discounted stock options for eligible employees in the US.


• Comprehensive health coverage including medical, dental, vision, and wellness resources.


• Paid time off, sick leave, and family leave options to support work-life balance.

Our client is an equal opportunity employer. We encourage you to apply even if you don’t meet every qualification—your background could be exactly what this team needs.