Senior Software Engineer - Credit

Alt is unlocking the value of alternative assets, starting with the $5 B trading-card market. We let collectors buy, sell, vault, and finance their cards in one place and we are backed by leaders at Stripe, Coinbase, Seven Seven Six, and pro athletes like Tom Brady and Giannis Antetokounmpo. Our next frontier is real‑time pricing at scale—the Alt Value that powers every trade, loan, and product on the platform.

A collector borrows against a card sitting in our vault. We size the advance off its Alt Value, underwrite it, disburse the money, and manage the loan until the last dollar comes back or the collateral is released. Today too much of that path runs on people: manual approvals, hand‑checked disbursements, a triage queue that grows when a transfer goes sideways, and screens that don't always tell the borrower where their money is.

Your job is to turn that into a product. You'll implement our new underwriting design hand in hand with our data scientists, automate the loan workflow end to end, own disbursement failures until they stop happening, and ship the borrower and operator experiences on top, built from our designs. This is a full‑stack seat: the same engineer who fixes the idempotency bug builds the screen that tells the borrower their funds are on the way.

The north star: T7 (trailing 7‑day) Disbursement within SLA rate, with a target of 99%. Every underwriting change, automation, triage fix, and screen you ship either moves that number or protects it. Supporting KPIs: time from application to underwriting decision, share of loans that go from application to funded with no manual touch, disbursement exceptions per week, and support tickets asking "where is my money," driven toward zero.

In lending, a disbursement that "probably went out" is a failure.

The people who are great at this have owned a lending or payments product where it mattered, from the state machine to the pixels. They think in idempotency and reconciliation because they've been on the wrong side of both, and they care that the UI tells the truth about what the system is doing.

• The underwriting revamp. We're redesigning how we underwrite cash advances and term loans, and you'll implement the new design end to end, working hand in hand with our data scientists. That means turning their models and credit policy into a production decisioning service: inputs computed reliably, every decision versioned and explainable, and every rule or model change shipped through shadow mode and backtests before it goes live.
  
  Done looks like the new logic deciding every application, with Data Science able to iterate on it without an engineering rewrite.
• The automated loan workflow. Application, underwriting decision, offer, acceptance, disbursement, servicing, repayment, delinquency, and collateral release, modeled as an explicit state machine with every transition logged. Manual steps become rules, and rules become auditable. Done looks like a standard advance funding with no human in the loop, and a non‑standard one landing in front of the right person with the context already attached.
• Disbursement triage, fixed at the root. Failed, duplicated, delayed, and stuck disbursements. You'll find out why each class of break happens (a retry without an idempotency key, a webhook that arrived out of order, a rail that returned after we marked it settled) and close it for good. Done looks like the triage queue shrinking week over week, with the T7 SLA rate to prove it.
• The borrower experience, built to design. The cash advance offer, acceptance, disbursement status, repayment, payoff, and loan history screens across web and mobile, implemented faithfully from our designs and improved through what you learn in…