Senior Software Engineer, Full Stack

Auto financing is one of the largest consumer credit markets in the U.S. – and one of the most overdue for modernization. We’re building a new generation of Auto Lending products – from a Dealer Portal to a full Dealer Management System and CRM. On the horizon: a direct-to-consumer Auto Loan experience and an Auto Refinance product.

These are greenfield, high-impact products built on a clean, modern stack – and we’re moving fast.

We are looking for a Senior Full Stack Engineer who thrives in a startup-like environment inside an established auto lender – someone who can architect and ship production code across the front end and back end, integrate with mission‑critical partners (e.g., credit bureaus, dealer systems, vehicle data providers), and set the engineering bar for the team. This is a core role with real technical ownership from day one and a direct line of sight into the products that power our business.

• Architect, build, and operate the full‑stack services and user experiences that power loan origination, decisioning, and servicing our new Flagship Platform.
• Ship features end‑to‑end across our stack:
  Next.js on the front end, C# / .NET on the back end, Postgre
  
  SQL for data, and AWS ECS for infrastructure.
• Translate complex financial and operational workflows into clean, performant, well‑tested code that holds up under regulatory scrutiny and production load.

• Lead integrations with credit bureaus (Experian, Equifax, Trans Union), dealer systems (Dealer Track, Route One), fraud and verification providers, and other third‑party partners – including contract design, retry/idempotency strategy, and operational runbooks.
• Extend and customize our existing DEFI Solutions loan originations platform – configuring workflows, scorecards, rules, and decision flows, and developing services that integrate with DEFI via REST APIs and operational data store (MSSQL).

• Collaborate directly with Product, Design, and business stakeholders on features from problem framing through production rollout and post‑launch iteration.
• Drive observability, performance, reliability, and security across the services you own.

• Set the patterns for testing, observability, security, and CI/CD that the rest of the team adopts.
• Leverage AI‑assisted development practices and tools (Copilot, Cursor, Claude Code, and similar) to accelerate delivery without sacrificing quality.
• Run design reviews, give technical guidance, and help onboard the engineers who join after you.

• Work Authorization: Applicants must be authorized to work in the U.S.
• Experience: 5+ years of professional software engineering experience.
• Full Stack Depth: Production experience building and operating modern web applications across both front and back end. Expert‑level proficiency in C# / .NET and a modern React‑based framework (Next.js strongly preferred).
• Data & APIs: Strong working knowledge of Postgre
  
  SQL (or a comparable relational database), RESTful API design, and SQL Server / T‑SQL.
• Cloud & Infrastructure: Hands‑on experience with AWS, including containerized workloads (ECS, EKS, Fargate, or similar) and Docker.
• Education: Bachelor’s degree in computer science, Engineering, or related technical field, or equivalent experience.

• Direct experience working with or building on DEFI Solutions, or equivalent commercial Loan Origination Systems.
• Auto finance, lending, or other regulated‑industry domain experience.
• Experience with event‑driven architecture and AWS messaging services (SNS, SQS, Event Bridge, Kafka, or similar).
• Experience integrating ML‑driven decisioning, scoring, or underwriting models into production systems.