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This position is listed on behalf of a partner company, who manages all applications and next steps. Our partner is looking for a Senior Software Engineer - Lending based in Brazil.
This role places you at the core of a real-time lending decisioning platform that powers critical credit workflows for financial partners. You will take ownership of complex, high-impact systems that directly influence lending decisions, funding speed, and automation rates. The environment is highly collaborative and cross-functional, involving close work with Product and Credit teams to translate ambiguous business needs into robust technical solutions.
You will act as a technical anchor, guiding architecture decisions and ensuring system reliability at scale.
The role requires strong problem-solving skills to navigate ambiguity, break down complex challenges, and deliver production-ready solutions.
You will also play a key role in improving engineering practices, mentoring peers, and elevating code quality across the team.
A strong focus on AI-assisted engineering is expected, with opportunities to shape how AI tools are adopted across the organization.
Accountabilities:
- Own the end-to-end design, development, deployment, and monitoring of key components within the real-time lending decisioning engine.
- Define and influence system architecture, ensuring scalability, reliability, and long-term maintainability of core services.
- Translate ambiguous product and credit requirements into clear technical designs and production-ready implementations.
- Debug and resolve complex production issues, providing root-cause analysis and documenting learnings for the team.
- Improve system observability, performance, and reliability across mission-critical lending workflows.
- Collaborate closely with Product, Credit, and cross-functional stakeholders to align on scope, trade-offs, and delivery plans.
- Drive engineering best practices through code reviews, mentorship, and pairing sessions.
- Champion AI-assisted engineering practices and help establish team-wide standards for leveraging AI tools.
Requirements:
- 5+ years of experience in software engineering with strong ownership of production systems.
- Proven experience designing and building scalable backend or distributed systems in production environments.
- Strong architectural and system design skills with the ability to lead technical direction.
- Experience working in highly ambiguous environments, breaking down complex problems into actionable solutions.
- Strong product mindset with the ability to connect technical decisions to business and user impact.
- Excellent communication skills with experience collaborating across Product, Engineering, and business stakeholders.
- Hands-on experience with AI-assisted development tools and workflows.
- Experience mentoring engineers and contributing to team-level technical growth.
- Advanced English proficiency (written and spoken).
- Nice to have: experience in lending, credit decisioning, or loan origination systems.
Benefits:
- Fully remote role with flexibility to work from anywhere in Brazil
- 20 days of paid time off plus national holidays
- Stock options as part of the compensation package
- Home office setup budget to support your workspace
- Budget for work-related travel and off-site collaboration experiences
- Biannual off-sites to connect and collaborate with the global team
- Opportunity to work on high-impact financial technology systems
- Strong culture of innovation, autonomy, and AI-driven engineering practices
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