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About the Role
Alt is unlocking the value of alternative assets, starting with the $5B trading-card market. We let collectors buy, sell, vault, and finance their cards in one place. Your job is to turn the manual loan process into a product by implementing our new underwriting design, automating the loan workflow end-to-end, owning disbursement failures, and shipping the borrower and operator experiences. The north star is the T7 (trailing 7-day) Disbursement within SLA rate, with a target of 99%.
Responsibilities
- Implement the new underwriting design in collaboration with data scientists.
- Automate the loan workflow from application to disbursement and servicing.
- Own and resolve disbursement failures at their root cause.
- Ship borrower and operator experiences based on provided designs.
- Implement the cash advance offer, acceptance, disbursement status, repayment, payoff, and loan history screens.
- Build internal tooling for Credit, Operations, and Support teams.
- Manage loan servicing functions including auto-pay, partial payments, and payoff quotes.
- Integrate money movement with the ledger for accurate posting and reconciliation.
- Implement risk controls within the workflow, such as limits and holds.
- Conduct rigorous code reviews and provide technical documentation.
- Mentor other engineers on the Credit team.
- Partner closely with Design and Data Science teams.
- Stand up an agent to triage the disbursement exception queue.
- Build a rail simulator to test disbursement failures.
- Use models to generate adversarial test cases for the loan state machine.
- Create typed component scaffolds with tests rapidly.
- Implement an MCP server over loan and disbursement history.
- Use AI tools for migrations and refactors.
- Build a harness to replay historical applications through old and new underwriting logic.
- Determine what should not be handed to a model in credit decisions and financial code.
Requirements
- 5+ years building and scaling production applications across the stack (backend: Python, Postgres, AWS; frontend: React, React Native, TypeScript).
- Experience building or owning a lending, credit, or payments workflow in production.
- Experience moving real money on real rails (ACH, RTP, FedNow, wires).
- Proficiency in workflow and state-machine design.
- Strong operational debugging skills.
- Ability to implement complex designs faithfully and quickly.
- Database mastery, including expert SQL and relational design.
- API-native understanding (webhooks, idempotency, eventual consistency, reconciliation).
- Product-owner mindset with an understanding of fund flows.
- Pragmatic approach to problem-solving.
- Experience implementing credit decisioning or underwriting logic in production alongside data scientists.
Skills
- Python
- Postgres
- AWS
- React
- React Native
- TypeScript
- SQL
- Workflow engines (Temporal, Step Functions or similar)
- Credit or risk modeling
- Stripe
- Plaid
- Modern Treasury
- Increase
- Design systems
- Internal tooling
- KYC/KYB
- Bank partnerships
- Audit-readiness
Location
- Remote-first
Work Type
- Full-time
- Remote-first
Experience Level
- 5+ years
Salary/Compensations
- $200,000 – $220,000 per year
Benefits
- Equity for all full-time employees
- 85% coverage for medical, dental, and vision
- Up to 50% coverage for dependents
- HSA/FSA available
- Generous PTO
- Parental leave at full salary
- $200/month wellness stipend
- $100/month home office stipend
- Free DoorDash Pass membership
- WeWork access
- 401(k)
About the Company
- Alt is unlocking the value of alternative assets, starting with the $5B trading-card market.
- We let collectors buy, sell, vault, and finance their cards in one place.
- Backed by leaders at Stripe, Coinbase, Seven Seven Six, and pro athletes like Tom Brady and Giannis Antetokounmpo.
- Our next frontier is real-time pricing at scale—the Alt Value that powers every trade, loan, and product on the platform.