Software Engineer - Risk Solutions

Theguarantors; New York (NY); Hybrid; USD 160,000 - 195,000; Full time

Benefits offered by this job

Health savings account

Generous PTO

401(k)

Paid parental leave

Disability insurance

Flexible spending accounts

Job summary

TheGuarantors is seeking a Software Engineer for Risk Solutions to own and evolve the underwriting and pricing infrastructure in a hybrid NYC role. You will influence end-to-end decisioning, data integrations, and pricing logic while collaborating with product, design, and risk teams.

You will leverage Go, Java, Python, or C# along with strong SQL and cloud/IaC tooling to build resilient services. Candidates should be adept at distributed systems and microservices in a fast-paced fintech

Qualifications

• 5+ years of experience building backend services.
• Proficiency in Go, Java, Python, or C#, with openness to Go.
• Advanced SQL skills and PostgreSQL or equivalent.
• Experience with cloud providers and IaC tooling such as Terraform and Kubernetes.

Responsibilities

• Own underwriting and pricing platform end-to-end from requirements to production.
• Lead technical design discussions and code reviews.
• Build and extend decisioning systems at the core of underwriting and pricing.
• Collaborate with Product, Design, Operations, Risk analysts, and Engineering.
• Communicate updates, risks, blockers, and recommendations clearly.
• Identify opportunities to improve team processes, engineering output, and user experience.
• Manage assigned work independently and meet deadlines and deliverables.
• Ensure compliance with policies, procedures, standards, and regulatory requirements.
• Perform other role-related responsibilities as assigned.

Skills

Go

Java

Python

C#

SQL

PostgreSQL

Distributed systems

Microservices

Cloud infrastructure

IaC Terraform

Tools

Kubernetes

Terraform

AWS

CI/CD pipelines

Job description

TheGuarantors is a fintech company helping multifamily owners and operators mitigate leasing risk while expanding access for renters. With a deep understanding of owner, operator, and renter needs, we believe renters deserve better access to the home of their choice and operators deserve greater protection and growth opportunities. That’s why we’re leveraging our real estate expertise and using AI-driven renter underwriting to help operators qualify renters faster while mitigating the financial risk of renter default. With $7B+ in lease value protected, we work with 9 of the country’s top 10 operators, are the #1 lease guarantee provider nationwide, and have consistently been named one of Inc. 5000’s fastest-growing companies, one of Forbes’ Best Startup Employers, and one of Deloitte’s Technology Fast 500

The Role

The Software Engineer - Risk Solutions owns TheGuarantors auto-underwriting and pricing infrastructure: the decisioning systems that determine applicant and outcomes, including Approve/Decline decisions and pricing. The team is responsible for the end-to-end underwriting decision path, from orchestrating external data integrations and evaluating risk rules to returning decisions and pricing applicants. Common work includes building new capabilities for Risk analysts, implementing underwriting rules, onboarding new data sources, and improving pricing effectiveness.

Location

This is a hybrid role based in NYC

What You’ll Do

• Own a slice of the underwriting and pricing platform end to end, from requirements through development, QA, and production.
• Lead technical design discussions, evaluate tradeoffs, and write clean, maintainable code through a strong code review culture.
• Build and extend the critical decisioning systems at the core of underwriting and pricing.
• Partner with Product, Design, Operations, Risk analysts, and Engineering to align on priorities and deliver high-impact solutions.
• Communicate updates, risks, blockers, and recommendations clearly and proactively.
• Identify opportunities to improve team processes, engineering output, and stakeholder/user experience.
• Manage assigned work independently and follow through on commitments, deadlines, and deliverables.
• Ensure work is completed in accordance with applicable policies, procedures, standards, and regulatory requirements.
• Perform other role-related responsibilities as assigned and aligned with business needs.

Requirements

• 5+ years of experience building backend services with common systems languages such as Go, Java, Python, or C#. Go experience is not required, but must be open to learning and using it.
• Proven ability to independently execute complex engineering projects from design through delivery.
• Advanced SQL skills and experience with PostgreSQL or other relational databases.
• Familiarity with modern web infrastructure and production operations, including caching, Kubernetes, API gateways, observability, and deployment patterns.
• Strong understanding of distributed systems and microservice architecture.
• Experience with cloud providers such as AWS, Azure, GCP, or OCI, and managing infrastructure using IaC tooling such as Terraform.
• Demonstrated ability to manage complex features end to end, partner with product and cross-functional stakeholders, and deliver high-quality work in a dynamic business environment.

Nice to Have

• Experience working in a workflow orchestration/ ML infrastructure environment.
• Experience working in a fast-paced, high-growth, cross-functional environment.
• Opportunities to make an impact within a fast growing company
• Health savings account with employer contribution
• Generous PTO and paid holidays
• 401(k)
• Paid parental leave
• Company sponsored short and long term disability
• Flexible spending accounts (healthcare, dependent care, commuter)

This is an individual contributor role, internally leveled as IC3.

The annual U.S. base salary range is $160,000–$195,000. Base salary does not include other forms of compensation or benefits. Individual pay is determined by work location, skills, experience, and other job-related factors, which will be discussed during the hiring process.

TheGuarantors is an Equal Opportunity Employer. We celebrate diversity and are committed to an inclusive environment for all.