Software Engineer - Risk Solutions

theguarantors-open-positions; New York (NY); Hybrid; USD 160,000 - 195,000; Full time

Benefits offered by this job

Medical, dental, & vision insurance

Health savings account

Generous PTO and paid holidays

Flexible working hours

401(k)

Paid parental leave

Disability insurance

Flexible spending accounts

Competitive salary

Job summary

TheGuarantors is seeking a Software Engineer - Risk Solutions to own the auto-underwriting and pricing infrastructure. You will manage the end-to-end decisioning path, integrate external data, and implement underwriting rules to return decisions and pricing.

Based in NYC with a hybrid work setup, you will partner with Product, Design, Operations, Risk analysts, and Engineering to deliver high-impact solutions while maintaining quality and regulatory alignment.

Qualifications

• 5+ years of backend service experience.
• Advanced SQL skills with PostgreSQL or similar.
• Experience with cloud platforms and IaC tooling like Terraform.
• Distributed systems and microservices understanding.
• Ability to drive complex features with cross-functional teams.

Responsibilities

• Own underwriting and pricing platform end to end from requirements to production.
• Lead technical design discussions and ensure clean, maintainable code.
• Build and extend decisioning systems for underwriting and pricing.
• Collaborate with product, design, operations, risk analysts, and engineers.
• Communicate updates, risks, and blockers clearly.
• Improve team processes and engineering output.
• Manage assigned work independently and meet deadlines.
• Ensure compliance with policies, standards, and regulations.
• Perform other role-related responsibilities as assigned.

Skills

Go

Java

Python

C#

Backend development

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.

Benefits

• Opportunities to make an impact within a fast growing company
• Medical, dental, & vision insurance, beginning day one
• Health savings account with employer contribution
• Generous PTO and paid holidays
• Flexible working hours
• 401(k)
• Paid parental leave
• Company sponsored short and long term disability
• Flexible spending accounts (healthcare, dependent care, commuter)
• Competitive salary

Base Salary

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.