Clutch
Financial Services
SeniorSoftwareEngineer-Lending
Neural analysis suggests this role is
optimal for Senior candidates.
“Senior Software Engineer - Lending at Clutch. Set technical vision. Own system architecture”
Industry & Context.
Debugging; Root cause analysis; Troubleshooting
What They're Looking For.
Must Have
Product-oriented mindset, Own features end-to-end, System design skills, Architectural design skills, Operate under high ambiguity, Break down complex problems, Make sound technical trade-offs, Collaborative team-first working style, Help teammates grow, Raise engineering bar, Hands-on AI-assisted engineering experience, Collaborate cross-functionally, Advanced English skills
Nice to Have
Experience with loan origination systems, Experience with lending decisioning, Experience with credit decisioning, Experience building custom AI tooling, Experience setting AI engineering standards
What You'll Do.
Own system architecture
Resolve complex issues
Challenge assumptions
Make technical decisions
Document technical decisions
Raise bar on code quality
Raise bar on maintainability
Set standard for AI adoption
Ramp on decisioning engine
Build working knowledge
Explain feature impact
Take ownership of feature
Take ownership of initiative
Resolve issues independently
Provide root-cause analysis
Own system reliability
Own system observability
Contribute code reviews
Coordinate stakeholders
Operate in lending context
Drive predictable delivery
Reframe problems with data
Establish team practices
Act as technical anchor
Set technical direction
Identify architectural decisions
Raise architectural decisions
Influence engineering org
Represent engineering context
Represent engineering constraints
Represent engineering trade-offs
Identify technical debt
Identify architectural gaps
Identify process gaps
Lead initiatives to resolve gaps
Influence beyond team
How You'll Work.
Team & Collaboration
Cross-functional stakeholders; External stakeholders; Credit union partners
Communication Scope
Technical documentation; Async updates
Process & Methodology
Narrative-driven planning
Full Job Description
ABOUT THE ROLE You will be the technical anchor of the team building Clutch's real-time lending decisioning engine. Working closely with the Product and Credit teams, you'll set the technical vision for new projects, own the architecture of significant parts of the system, and take on the hardest, most ambiguous problems in the domain, debugging and resolving complex issues independently while anticipating blockers and unblocking others. You will navigate ambiguity by framing problems before they're fully specified, challenging assumptions, and reframing trade-offs with data so the team aligns on the right approach before execution. You'll make and document the key technical decisions on the initiatives you own, and communicate progress, risks, and blockers proactively through tickets, stand-ups, and async updates to keep teammates and stakeholders aligned. You are a strong communicator who likes working as part of a team and actively helps the rest of the team grow, through detailed peer reviews, mentorship, and pairing that raise the bar on code quality, design, and maintainability. You also bring deep, hands-on experience with AI-assisted engineering, building skills and agents into your daily workflow, and you will set the standard for how the team adopts AI to ship faster and more reliably. ABOUT THE TEAM The team develops Clutch's real-time lending decisioning engine. We work closely with Credit, Product, and Implementation teams to increase auto-decision rates and reduce funding time for our credit union partners. The team operates with a clear cadence and shared rituals, using narrative-driven planning and continuous improvement to ship reliably while collaborating across the broader Lending org. Engineers own outcomes end to end, from discovery and decision-ready specs through rollout, monitoring, and follow-ups. We lean heavily on AI-assisted engineering and we're looking for someone to help push that frontier. WHAT YOU'LL DO WITHIN 3 MONTHS, YOU WILL: - R
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