Principal Software Engineer; APIs

As a Principal Software Engineer at JPMorgan

Chase within the Home Lending – Originations group, you provide expertise and engineering excellence as an integral part of an agile team to enhance, build, and deliver trusted market‑leading technology products in a secure, stable, and scalable way. Leverage your advanced technical capabilities and collaborate with colleagues across the organization to drive best‑in‑class outcomes across various technologies to support one or more of the firm's portfolios.

• Own the design integration and API strategy (REST/Graph
  
  QL/gRPC, event‑driven) with clear versioning, security, and lifecycle standards.
• Define reusable integration patterns and canonical data contracts aligned to MISMO to ensure consistency and reuse.
• Lead design reviews and maintain reference architectures and ADRs across domains, guiding strategic design decisions.
• Ensure designs meet non‑functional requirements for security, resiliency, performance, scalability, cost, and operability.
• Design and oversee Encompass LOS integrations and customizations using Developer Connect, SDK, and plugins.
• Orchestrate Encompass data flows with pricing engines, DU/LP, credit, appraisal, title, eClose, CRM, and document systems.
• Drive platform capabilities for API gateways, event streaming, identity/authorization, webhook integration, etc.
• Establish SLIs/SLOs, resiliency patterns, and telemetry standards to improve reliability and reduce MTTR.
• Mentor engineers and product partners on strategic design, integration best practices, and platform‑thinking.
• Design and ideate PoCs, experiment and enforce governance for schema versioning, backward compatibility, and data lineage.

• Formal training or certification on software engineering concepts and 10+ years applied experience.
• Deep expertise designing and governing REST/Graph
  
  QL/gRPC APIs and event‑driven architectures at enterprise scale.
• Hands‑on Encompass LOS experience including Developer Connect APIs, SDK/plugins, business rules, and pipeline automation.
• Strong mortgage domain knowledge including MISMO 3.4+, UCD, HMDA, DU/LP workflows, and TRID/RESPA impacts.
• Proficiency with Kafka or equivalent streaming platforms and robust messaging patterns with DLQs and idempotency.
• Excellent communication and mentoring skills with a BS in CS or related field.
• Experience in Computer Science, Computer Engineering, Mathematics, or a related technical field.

We offer a competitive total rewards package including a base salary determined based on the role, experience, skill set and location. Eligible roles may receive commission‑based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, including comprehensive health care coverage, on‑site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more.

We are an equal opportunity employer and place a high value on diversity and inclusion. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs.

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