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About the Role
Lower is building technology that powers digital mortgage, home finance, automation, and AI-powered experiences across the homeownership journey. As a Staff Software Engineer, you will lead the design and evolution of core services, systems, and architectural patterns across Lower’s engineering organization. You’ll operate as a technical leader across teams, helping scale our platforms, mentor engineers, and drive high-impact technical initiatives that improve both developer effectiveness and customer experience. This is an opportunity to join a fintech company redefining the mortgage industry by combining data-driven insights with thoughtful user experiences. You’ll work on impactful projects, collaborate with a talented team, and help us build scalable systems that directly improve how people achieve one of life’s biggest milestones—owning a home.
Responsibilities
- Lead the design and evolution of scalable, reliable, and maintainable distributed systems, driving architectural decisions across teams while balancing performance, cost, complexity, and long-term platform scalability.
- Strong in unit, integration, end-to-end testing, and test automation frameworks.
- Proficiency in profiling, debugging, and optimizing application performance.
- Experience with deployment pipelines, monitoring, observability, and release management.
- Knowledge of secure coding practices, threat modeling, and compliance requirements.
- Comfortable designing and consuming APIs, working with databases, and handling data modeling.
- Skilled at improving developer workflows through automation (build systems, config management, test infrastructure) and modern AI-assisted engineering tools such as Cursor, Claude Code, Codex, or similar technologies to accelerate development, debugging, testing, and documentation workflows.
- Partner with engineering, product, and business leaders to translate strategic business initiatives into scalable technical solutions, clearly communicating tradeoffs, risks, and long-term architectural considerations.
- Coach junior and mid-level engineers, providing guidance on coding practices, system design, and career development.
- Promote best practices in readability, maintainability, and scalability through constructive code reviews, providing guidance and support.
- Lead through technical influence, mentorship, and collaboration rather than direct authority, helping elevate engineering quality and decision-making across the organization.
- Drive alignment and technical execution across multiple engineering teams, fostering collaboration, reducing organizational friction, and promoting shared engineering standards and best practices.
- Lead large, ambiguous, or cross-functional technical initiatives from architecture through delivery, ensuring scalability, reliability, and long-term maintainability across systems and teams.
- Identify risks early (technical debt, bottlenecks, scalability limits) and propose mitigations.
- Weigh cost, scalability, and performance when evaluating solutions and clearly explain reasoning.
- Produce and maintain high-quality technical documentation for systems, processes, and decisions.
- Proactively identify and resolve technical, operational, or coordination roadblocks impacting engineering teams, improving delivery velocity and cross-team effectiveness.
- Identify systemic engineering bottlenecks, operational inefficiencies, and architectural gaps, driving initiatives that improve developer productivity, platform reliability, and organizational scalability.
- Influence long-term technical direction, helping shape architecture and tech stack decisions.
- Serve as a technical leader across multiple engineering teams, helping establish architectural patterns, engineering standards, and shared platform direction.
- Proactively identify opportunities for new technologies, frameworks, or approaches that benefit the business.
- Advocate for engineering excellence, ensuring the team balances speed with maintainability.
- Develop deep expertise in Lower’s systems, infrastructure, and domain workflows, helping teams navigate technical complexity and make informed architectural decisions.
Requirements
- Full-stack expertise with proven ability to deliver high-quality backend and front-end solutions.
- Problem solver and innovator, with a track record of implementing new ideas and tackling complex technical challenges in design and architecture.
- Proficiency in our stack— TypeScript, React, AWS, Next.js, Node.js, C#/.NET, Go and Postgres —or the ability to quickly learn new languages, frameworks, and tools.
- Experience leveraging AI-assisted software development tools (such as Cursor, Claude Code, Codex, GitHub Copilot, or similar) to improve engineering productivity, code quality, debugging, testing, and developer efficiency.
- Strong computer science foundations, including algorithms, data structures, concurrency, parallelism, asynchronous programming, networking, and system design.
- Demonstrated ability to influence technical direction across teams, lead architectural initiatives, and operate effectively in ambiguous or rapidly evolving environments.
- Strong track record of mentoring engineers, scaling engineering best practices, and improving technical decision-making within growing organizations.
- Excellent communication and collaboration skills—someone who brings strong opinions held loosely, engages debate without ego, gives and receives feedback constructively, and helps foster a supportive engineering culture. We're looking for someone people want to design alongside.
- Prior experience in fintech, lending, or consumer financial products is a plus, but not required.
Skills
- System design & architecture
- Code quality & testing
- Performance optimization
- DevOps & CI/CD
- Security awareness
- Data & APIs
- Tooling, automation & AI-assisted development
- Stakeholder communication
- Mentorship
- Code review
- Engineering influence
- Cross-functional technical leadership
- Technical program ownership
- Risk management
- Tradeoff negotiation
- Documentation
- Organizational unblocker
- Continuous improvement
- Technical vision
- Technical leadership across teams
- Innovation
- Quality bar setting
- Institutional knowledge & platform stewardship
- TypeScript
- React
- AWS
- Next.js
- Node.js
- C#/.NET
- Go
- Postgres
- AI-assisted software development tools
Location
- Hybrid in either Columbus, OH (preferred); Austin, TX
Work Type
- Full-time W2 employment
Experience Level
- Staff
Benefits
- Extended benefit offerings including medical/dental/vision, parental leave, life insurance, short- and long-term disability
- Paid holidays and paid time off
- 401K with company match
- Discount on home mortgage refinances or purchase
About the Company
- We believe homeownership is one of the most powerful ways people can build long-term wealth. Our mission at Lower is to make that path simpler, more accessible, and more connected.
- We’re building a one-stop shop homeownership platform that brings together real estate, mortgage lending, technology, and local expertise. Through Lower’s direct-to-consumer lending business, our nationwide retail branches, and our real estate platform Movoto, we meet people wherever they are in the homeownership journey.
- We innovate through technology, but human expertise is what sets us apart. Our approach combines a seamless online experience with experienced people. Whether someone wants to handle most of the process online or work directly with a local loan officer or real estate agent, we’re building a platform that gives them the tools, expertise, and support to move forward with confidence.
Equal Opportunity
- Lower provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.
- This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.