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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 Senior Software Engineer, you will solve complex technical problems, design scalable systems, and collaborate with cross-functional teams to deliver reliable software that improves how people experience homeownership. This is a hands-on role for an engineer with strong fundamentals, sound technical judgment, curiosity, and a collaborative mindset, comfortable working with modern technologies and AI-assisted development tools.
Responsibilities
- Design scalable, reliable, and maintainable systems, evaluating tradeoffs across performance, complexity, cost, and long-term maintainability.
- Design, develop, test, and maintain reliable software across frontend, backend, APIs, services, and data layers.
- Build well-tested software using unit, integration, end-to-end, and other appropriate testing approaches while maintaining a high bar for code quality.
- Profile, debug, troubleshoot, and optimize application and system performance.
- Contribute to deployment pipelines, monitoring, observability, release management, and the ongoing operation of production systems.
- Apply secure development practices and consider security, privacy, and compliance throughout the development lifecycle.
- Design and consume APIs and work effectively with relational, document, or other data stores appropriate to the problem.
- Use AI-assisted development tools and automation to accelerate implementation, debugging, testing, documentation, research, and technical problem solving while applying strong engineering judgment to validate correctness, maintainability, security, and architectural fit.
- Translate business and product needs into thoughtful technical solutions, clearly communicating technical approaches, tradeoffs, risks, and dependencies.
- Support other engineers through technical guidance, pairing, design discussions, and knowledge sharing.
- Promote readability, maintainability, reliability, and scalability through thoughtful and constructive code reviews.
- Contribute to technical design discussions and engineering decisions, helping teams evaluate options and make sound technical choices.
- Work closely with engineers, Product, Design, QA, and business partners to build solutions that meet both customer and technical needs.
- Own meaningful features and technical projects from discovery and design through implementation, testing, deployment, and ongoing support.
- Identify technical risks, dependencies, scalability constraints, and sources of technical debt early and help determine appropriate solutions.
- Make pragmatic tradeoffs between speed, quality, complexity, cost, and long-term maintainability and clearly communicate the reasoning behind technical decisions.
- Produce and maintain clear technical documentation for systems, designs, processes, and important engineering decisions.
- Identify opportunities to improve engineering practices, developer workflows, tooling, automation, and system quality.
- Contribute to architectural and technical decisions within your area of ownership while considering how those decisions affect adjacent systems and teams.
- Proactively identify new technologies, AI capabilities and skills, frameworks, tools, or approaches that can improve engineering effectiveness or create business value.
- Advocate for engineering excellence while balancing delivery speed with reliability and maintainability.
Requirements
- Full-stack expertise with proven ability to deliver high-quality backend and frontend solutions.
- Problem solver and innovator with a track record of implementing new ideas and tackling complex technical challenges in design and architecture.
- Proficiency in 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 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 independently solve complex technical problems and own meaningful features or projects through design, development, deployment, and production support.
- 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.
- Prior experience in fintech, lending, or consumer financial products is a plus, but not required.
Skills
- System design & architecture
- Full-stack development
- 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 collaboration
- Project ownership
- Risk management
- Tradeoff negotiation
- Documentation
- Continuous improvement
- Technical direction
- Innovation
- Quality bar setting
- TypeScript
- React
- AWS
- Next.js
- Node.js
- C#/.NET
- Go
- Postgres
Location
- Hybrid in Columbus, OH
- Hybrid in Austin, TX
Work Type
- Full-time
- W2 employment
Experience Level
- Senior
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.