Software Engineer Lead - Mortgage Platforms

usaa; United States; On-site; USD 140,000 - 190,000; Full time

Job summary

USAA is seeking a Lead Software Engineer to define the architecture behind a high-visibility mortgage transformation. You will guide multiple Agile teams, provide technical direction, and deliver scalable solutions for the member-facing mortgage ecosystem.

The role emphasizes collaboration with architects and engineers, hands-on leadership, and a focus on secure, observable, and compliant software within a mission-driven organization.

Qualifications

• Bachelor's degree or 4 years of relevant education and/or experience.
• 8 years of software development experience with 2 years of technical leadership.
• 6 years of experience in full software development lifecycle.
• Expertise on Blend POS or Dark Matter Empower LOS platforms including integration and end-to-end testing.
• Hands-on across full stack: UI, APIs, backend services, data integration.
• Experience integrating AI capabilities while ensuring security, scalability, observability and ops.

Responsibilities

• Design, develop, code, and test complex cross-functional technical solutions.
• Lead team in code/design reviews and coordinate with stakeholders.
• Organize work and lead multiple teams to deliver features.
• Resolve complex production issues and guide end-to-end troubleshooting.
• Mentor engineers and drive design principles within teams.

Skills

Golang

Java

Python

C++

Spring Boot

RESTful APIs

AWS

Education

Bachelor's degree

4 years education/experience

Tools

Spring

Job description

Why USAA?

At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the #1 choice for the military community and their families.

Embrace a fulfilling career at USAA, where our core values - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful.

We are proud to support active-duty military spouses. USAA roles may offer remote or hybrid flexibility for active-duty military spouses consistent with applicable policy and business needs.

The Opportunity

Help define the architecture behind a high-visibility mortgage transformation building USAA's target-state lending ecosystem. Blend will serve as the member-facing Point of Sale, while Empower will manage loan origination through funding. As the Lead Software Engineer, you will operate at the release-train level, providing technical direction and guiding multiple Agile teams through solution design and implementation.

We are looking for a hands-on technical leader who puts membership and the mission first, builds trust through honest and transparent decision-making, and creates the conditions for teams to succeed. You will bring together diverse perspectives, partner with architects and engineers, and help build a scalable mortgage foundation that reflects USAA's commitment to service, loyalty, honesty, and integrity.

We offer a flexible work environment that requires an individual to be in the office 4 days per week. This position can be based in one of the following locations: San Antonio, TX or Plano, TX. Relocation assistance is not available for this position.

What you'll do:

• Design, develop, code, and test complex tactical as well as strategic cross functional technical solutions, often collaborating with Engineers or Architects outside of team/department.
• Leads the team in in-depth code/design reviews and communicates updates and impacts to stakeholders to ensure smooth daily operations and accurate planning for multiple teams.
• Organize work and lead multiple teams to deliver features and solutions.
• Independently resolves complex production issues and leads troubleshooting of end-to-end solutions that span multiple applications and systems.
• Mentor and coach junior / experienced engineers, including coaching of design principles for their teams and others.
• Work with architecture to help define directions for cross functional or highly complex key and emerging technologies within a specific domain.
• May begin advancing professional development through active participation in industry organizations, writing programming publications, pursuing educational opportunities, establishing personal networks, and participating in professional societies.
• Leverages Site Reliability Engineering practices in their domain.
• Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

What you have:

• Bachelor's degree; OR 4 years of relevant education and/or experience.
• 8 years of software development experience demonstrating deep technical expertise in enterprise platform engineering and systems integration, including 2 years of demonstrated technical leadership providing solution direction, aligning implementation across multiple Agile teams, and driving complex enterprise technology initiatives.
• 6 years of experience delivering technology solutions in all phases of the software systems and application development lifecycle
• Engineering expert on either the Blend Point of Sale Platform or the Dark Matter Empower LOS Platform to include core installation experience, integration into a digital experience, vendor/batch management, customization strategies, ongoing maintenance/support, and end to end testing/quality assurance.
• Strong hands-on engineering experience across the full technology stack, including: Responsive Web UI applications, APIs and backend services, Event-driven and data integration platforms.
• Experience influencing technology integration, solution design, and modernization execution across multiple Agile Scrum teams.
• Experience designing, developing, and maintaining a complex software solution involving multiple stakeholders.
• Experience integrating AI capabilities into enterprise applications while maintaining security, compliance, scalability, observability, and operational support requirements. Familiarity with AI architecture patterns such as RAG, knowledge retrieval, vector search, AI agents, and model orchestration frameworks.

What sets you apart:

• Expertise in Golang, Java, Python, C++, or similar. Also, proficiency in multiple technologies and database platforms.
• Deep knowledge and understanding of Cloud based development tools and processes, preferably on AWS.
• Solid hands-on experience with Spring, Spring Boot, and RESTful web services.