Software Engineer

Job Description:

As a Software Engineer at Mission Lane, you'll join a collaborative team that values curiosity, thoughtful engineering, and autonomy with support. You'll design, build, and maintain backend services, delivering well-tested code for real features used by real customers. Your work, from new features to system improvements, will directly support platform growth and enhance our engineering practices and culture.

The Impact You’ll Make:

You’ll drive forward our mission of empowering people to unlock financial progress by contributing to the design, implementation, and maintenance of the decision architecture for our credit card acquisition and underwriting platform. Within your first year at Mission Lane, you will:

• Implement new features that improve the credit card acquisition and underwriting journey for our customers.
• Integrate and optimize connections with third-party data providers.
• Write clear, well-tested, and maintainable production-level code.
• Apply system-level design thinking to debug and resolve production issues efficiently.

Examples of past projects include building a new underwriting data ingestion pipeline, migrating critical logic from a vendor platform to internal services, and enhancing credit decisioning rules to better serve underbanked customers.

Qualifications:

• A strong foundation in computer science (experience with data structures, algorithms, and design patterns); Computer Science degree preferred
• 1+ years professional experience in either object-oriented (Java, Go, etc) or functional programming languages (Kotlin)
• 1+ years professional experience in leveraging, monitoring, and maintaining cloud computing resources (GCP, AWS)
• Familiarity with relational (ex: Postgres) or non-relational (ex: Spanner) databases
• Familiarity with version control (Git)
• Ability to write production-level code that’s easily understandable, reviewable, and testable
• A strong desire to continuously improve technical skills; regularly inviting feedback
• Applies system-level design thinking and debugging skills to solve issues in production
• Works independently with sound judgment, knowing when to seek guidance.
• Exposure to or interest in workflow orchestration tools or BPMN platforms (e.g. Camunda) is a plus

Our Core Tech Stack Includes:

Kotlin / Java / Python / JavaScript / TypeScript / React / Next.js / Camunda / PostgresSQL / Spanner / Google Cloud Platform (GCP) / Kubernetes

Compensation:

Annual full-time base salary range: $99,000 - $121,000

Additional compensation in the form(s) of participation in our annual incentive program and equity are dependent on role. Pay is based on factors such as work experience, education, certification(s), training, skills, and competencies related to the role. Mission Lane also offers a comprehensive benefits plan, which includes unlimited paid time off, 401(k) match, a monthly wellness stipend, health/ dental/ vision insurance options, disability coverage, paid parental leave, flexible spending account (for childcare and healthcare), life insurance, and a remote-friendly work environment.

About Mission Lane:

Founded in December 2018, Mission Lane is a purpose-driven fintech company based in the U.S., with headquarters in Richmond, Virginia.

It all started with a realization:  nearly fifty percent of the adult population in the U.S. doesn’t have access to a clear line of credit. Most traditional credit card companies either overlook or overcharge this group because they have less-than-perfect credit scores or no scores at all. We decided this just wouldn’t do.

In partnership with our sponsor banks, we offer credit cards under the Mission Lane brand name, with better, clearer terms, and a more refined customer experience than the alternatives available to people working hard to improve their credit.

To date, over four million consumers have chosen Mission Lane, earning high customer ratings on Credit Karma for its market segment and industry leading Net Promoter scores. Mission Lane has cumulatively raised over $600 million of equity from leading investors, including Invus Opportunities, QED Investors, LL Funds, funds affiliated with Oaktree Capital Management, and other leading investors.