Senior Software Engineer – Lending

Clutch

Technical anchor for Clutch's real-time lending decisioning engine. Guiding technical vision and architecture while mentoring team members.

Posted 6/9/2026contractRemote • 🇧🇷 BrazilSeniorWebsite

About the role

Key responsibilities & impact

You will be the technical anchor of the team building Clutch's real-time lending decisioning engine.
Set the technical vision for new projects, own the architecture of significant parts of the system, and take on the hardest, most ambiguous problems.
Make and document the key technical decisions on the initiatives you own and communicate progress, risks, and blockers proactively.
Actively help the rest of the team grow, through detailed peer reviews, mentorship, and pairing that raise the bar on code quality, design, and maintainability.
Within 3 months, ramp quickly on the decisioning engine, taking ownership of a meaningful feature or initiative end-to-end.
Debug and resolve complex issues independently, providing clear root-cause analysis and documenting learnings for the team.
Set the technical vision and lead the design and delivery of a significant new initiative or partner go-live within 6 months.
Drive predictable delivery by communicating progress, risks, and blockers without being prompted.
Identify architectural decisions with cross-team implications and influence how the broader engineering org solves comparable problems within 9 months.

Requirements

What you’ll need

Strong product-oriented mindset, able to connect technical decisions to business impact and partner outcomes.
Proven track record owning significant features or systems end-to-end in production, from discovery and design through deployment, monitoring, and follow-up.
Strong system and architectural design skills, with the judgment to set technical direction for new projects and balance long-term maintainability against short-term delivery.
Ability to operate under high ambiguity: independently breaking down complex, underspecified problems, providing clear root-cause analysis, and making sound technical trade-offs.
Excellent communication and a genuinely collaborative, team-first working style, with a track record of helping teammates grow through mentorship, pairing, and high-quality code reviews.
Actively raise the engineering bar through code reviews, pairing, and mentorship — not just on code quality, but on how the team thinks about problems.
Hands-on experience with AI-assisted engineering and a point of view on how to apply AI well across a team.
Experience collaborating cross-functionally with Product, Credit, Implementation, and external stakeholders to align on scope and trade-offs.
Advanced English skills, both spoken and written.
Previous experience with loan origination systems or lending/credit decisioning is a strong differentiator.
Experience building custom AI tooling, such as agents, or setting AI engineering standards for a team.

Benefits

Comp & perks

Remote Flexibility: Enjoy the freedom of remote work from anywhere, balancing life and career seamlessly.
Unforgettable Off-Sites: Twice a year, bond with colleagues in exciting destinations, fostering teamwork and fresh ideas.
Paid Time Off and National Holidays: Enjoy 20 PTO days yearly and the National Holidays for relaxation and rejuvenation.
Stock Options: Joining us means having a stake in our success, so you'll receive stock options as part of your compensation package.
Home Office Setup: Create your ideal workspace with a dedicated budget for home office essentials.
Work Trip Budget: Grow personally and professionally with a budget for work-related trips and co-working.

ATS Keywords

✓ Tailor your resume

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools

system designarchitectural designroot-cause analysisAI-assisted engineeringcustom AI toolingcode qualityfeature ownershipproduction deploymentmonitoringtechnical decision-making

Soft Skills

product-oriented mindsetcollaborative working stylementorshipcommunicationproblem-solvingteam-first approachhigh-quality code reviewsindependenceambiguity managementjudgment