Sr. Software Engineer, Backend

As a Senior Backend Engineer on the Personal Loans team, you will own the borrower‑facing experiences that drive Prosper's core business -- from rate check through funding. Using modern web and mobile technologies, you will build and maintain the applications that guide borrowers through one of the most important financial decisions they’ll make. Your work will directly impact conversion, borrower satisfaction, and Prosper's top‑line growth.

We are investing heavily in AI across our engineering organization and the team embraces AI tools to accelerate delivery, improve code quality, and explore new ways to make the borrower journey smarter and more personalized. We ship often, measure everything, and care deeply about the people who use what we build.

• Collaborate within a cross‑functional team that includes product, design, frontend engineering, and quality engineers to deliver seamless borrower experiences across web and mobile.
• Own projects end to end -- from technical design and architecture through launch, iteration, and measurement -- driving outcomes that move the business forward.
• Build and evolve our high‑performance Java and Kotlin microservices, deploying scalable features across our modern Spring Boot stack.
• Design modern event‑driven architectures (like GCP Pub/Sub) that accelerate development across multiple product teams.
• Partner with frontend and platform engineering teams to integrate client applications with secure, performant REST and GraphQL APIs.
• Identify and drive improvements in system latency, database query optimisation, testing coverage, and cloud infrastructure efficiency.
• Uphold high standards of code quality and user experience while iterating rapidly in a regulated environment.
• Leverage AI‑powered tools (coding assistants, automated testing, code review) to amplify your productivity and help establish best practices for AI‑assisted development across the team.
• Contribute to a strong, inclusive engineering culture by mentoring peers, championing best practices, and participating in thoughtful code reviews.

• BS in EE/CS with 8+ years of experience or MS in EE/CS or other applicable disciplines with 6+ years of experience.
• Deep proficiency in Java, Kotlin, and the Spring Boot framework, with the versatility to design, build, and scale distributed microservices.
• Hands‑on experience with RESTful APIs, GraphQL, and event‑driven patterns (such as GCP Pub/Sub).
• Familiarity with cloud‑native architectures (specifically GCP, Firestore, Spanner, and Cloud Functions) and modern CI/CD pipelines.
• Disciplined approach to automated testing (unit, integration, and contract tests) and system observability to ensure services are meticulous, secure, and trustworthy.
• Active use of AI coding assistants (Cursor, Copilot) and a commitment to exploring new AI developments to enhance team productivity and solve product problems.
• A proactive, high‑accountability approach to driving projects to completion and unblocking yourself to deliver outcomes, not just outputs.
• A deep focus on system reliability and financial accuracy, protecting the borrower and maintaining trust in a regulated domain.
• Strong cross‑functional communication and a dedication to elevating the team through clear mentorship and knowledge sharing.

• Salary range: $173,000 - $205,000 annually, plus bonus and generous benefits.
• Competitive salary and a 401(k) with a 5% company match.
• Flexible time off, paid parental leave, annual wellness allowance, and comprehensive health coverage.
• Professional and personal growth resources, including Udemy access, childcare assistance, pet insurance, and additional savings via Beneplace.
• Hybrid and remote work options with digital‑first tools and intentional culture.

Prosper is an equal‑employment‑opportunity employer. All employment decisions will be based on merit, competence, performance, and business needs. We do not discriminate on the basis of race, color, religion, marital status, age, national origin, ancestry, disability, pregnancy, genetic information, gender, sexual orientation, gender identity, veteran status, or any other status protected under federal, state, or local law. We consider qualified applicants who are non‑US citizens and provide green‑card sponsorship.

Applicants have rights under Federal Employment Laws. Equal Employment Opportunity (EEO). Family & Medical Leave Act (FMLA). Employee Polygraph Protection Act (EPPA). California applicants: review the CCPA Notice. Illinois applicants: review the Artificial Intelligence Notice.