Lead Engineer — Payments Platform - on-site

Lead Engineer - Payments Platform

Full-time
· In person
· South Jordan, Utah
$110,000–$145,000 + equity + quarterly performance bonuses

Lumion runs payments and servicing for more than 500 career and technical schools.

Our school partners establish their own financing terms and retain ownership of the obligations they originate. Supporting that model required us to build the financial infrastructure ourselves: the ledger, servicing platform, payment workflows, and compliance systems needed to manage tuition accurately throughout the life of each account.

We have spent seven years developing that foundation and are NMLS-licensed across 48 states.

Over the past two years, Lumion has expanded beyond payments and servicing into the full operating system for career schools. Nearly half of our school partners now use Lumion to manage the student journey from initial interest through graduation.

We are growing quickly and need an experienced engineering leader to own the payments vertical as it scales.

You will lead the engineering team responsible for Lumion’s payments platform and own the systems behind payment plans, ledgers, allocation, interest accrual, taxes, fees, refunds, chargebacks, ACH returns, settlements, reconciliation, and payoff calculations.

You will work closely with our servicing team to improve collection performance and guide the product in the right direction. Together, you will identify where money is being lost, where operational friction is affecting collections, and where new product capabilities can create revenue for Lumion and better outcomes for our schools.

This is both a leadership position and a hands-on programming role. You will set direction, make technical and product decisions, and lead experienced engineers—but you will also work inside the code, trace transactions, review designs, and help solve difficult production problems.

Our platform currently uses PHP and Laravel. Laravel experience is helpful, but it is not required. We care more about whether you are an excellent programmer with strong engineering judgment and a demonstrated ability to learn an unfamiliar stack.

This is a full-time, in-person role in South Jordan, Utah.

You will be accountable for the correctness and reliability of payments across every contract structure, allocation path, payment method, and reversal.

That includes:

• Ledgers and auditable transaction histories
• Allocation across principal, interest, fees, taxes, and other obligations
• Interest accrual, payment schedules, balances, and payoff calculations
• Refunds, chargebacks, disputes, and ACH returns
• Settlement and reconciliation
• Payment-facilitator integrations and webhooks
• Idempotency, exception handling, and operational tooling

When a ledger does not balance or a payoff is off by a cent, you will lead the investigation until the cause is understood and permanently corrected.

The servicing team will be one of your closest partners. You will learn how the product performs after a payment plan goes live and improve workflows for failed payments, delinquent accounts, payment-plan changes, and borrower communication.

You will turn recurring servicing problems into durable product improvements—whether that means removing payment friction, giving servicing representatives better tools, improving collection workflows, or ensuring every servicing action is reflected correctly in the ledger.

You will own more than the technical operation of the platform. You will help determine where the payments product goes next.

Using product data, servicing feedback, collection performance, and customer needs, you will identify opportunities, decide what the team should build, lead implementation, and measure whether it worked.

Success will be measured by outcomes such as:

• Higher successful-payment and collection rates
• More reliable tuition collection for schools
• Revenue recovered by reducing failed payments and servicing friction
• Increased adoption of revenue-producing products
• New payments capabilities that generate revenue for Lumion
• Red…