Senior Software Engineering Lead - Bank Lending Solutions

Overview

Your opportunity

At Schwab, you’re empowered to make an impact on your career. Here, innovative thought meets creative problem solving, helping us “challenge the status quo” and transform the finance industry together.

We believe in the importance of in-office collaboration and fully intend for the selected candidate for this role to work on site in the specified location(s). This role is expected to be in the office 4 days a week.

Schwab Technology Services enables the future of how clients manage their money by providing innovative and reliable technology products and services as part of our ongoing commitment to democratize access to investing and financial planning.

We are seeking a Senior Software Engineering Lead to play a pivotal role in building and evolving the technology that powers Charles Schwab Bank’s Lending platforms, spanning Home Mortgages and Securities‑Based Lending, including our flagship Pledged Asset Line (PAL) product.

In this role, you will operate as a technical leader who is both deeply hands‑on and strategically minded—owning the design and delivery of large‑scale initiatives while serving as a key contributor to solution architecture for new capabilities and critical roadmap enhancements. You will immerse yourself in our Java / Spring Boot ecosystem, applying modern engineering practices and tools (including Git Hub Copilot) to build high‑quality, scalable, and resilient software solutions.

Our Bank Technology – Lending organization supports complex, business‑critical integrations across SaaS providers, internal platforms, and core lending systems of record, enabling end‑to‑end Loan Origination and Servicing experiences. As a senior technical leader, you will influence system design across domains, guide implementation decisions, and help ensure our platforms remain secure, extensible, and well‑positioned for future growth. In addition to core technical leadership, this role is expected to push the envelope on how AI‑assisted development and emerging AI capabilities are thoughtfully applied within our engineering practices.

While our AI adoption is still evolving, we are looking for an engineer who is both curious and grounded—someone who will experiment responsibly, evaluate real‑world applicability, and help stablish practical standards for how AI can improve developer productivity, solution design, and system quality within a regulated banking environment.

You will partner closely with product owners, architects, and engineering peers to translate business strategy into technical solutions—mentoring engineers, shaping standards, and leading delivery across high‑impact initiatives that provide liquidity to clients across a diverse range of asset classes held at Schwab.

If you are motivated by owning complex technical problems, influencing architecture at scale, and serving as a technical standard‑bearer within a collaborative financial services environment, this role offers the opportunity to make a lasting impact while continuing to grow your career as a senior individual contributor.

• Provide technical leadership and hands‑on delivery for large, cross‑cutting initiatives across Schwab Bank Lending platforms, including next‑generation capabilities such as crypto‑based lending, lending against alternative investments (non‑marginable collateral), and multi‑core backend architectures.
• Own solution design and architectural decisions for complex, multi‑system workflows spanning loan origination, servicing, and downstream integrations—ensuring solutions are scalable, secure, resilient, and aligned with long‑term platform strategy.
• Partner with product, architecture, and business stakeholders to translate roadmap initiatives and regulatory considerations into pragmatic technical approaches; influence scope, sequencing, and design tradeoffs to maximize business and technical outcomes.
• Act as a technical standard‑bearer within the organization—establishing patterns, best practices, and guardrails across code, integration, testing, and system design while mentoring engineers through influence rather than direct authority.
• Lead engineering execution…