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Staff Software Engineer, Lending & Payments

United States

About Us

At Leap, we’re on a mission to transform the home improvement industry - and we want you to be part of that journey. We’re proud to be recognized on the Inc. 5000 and Inc. Regionals lists for 5+ consecutive years, reflecting sustained growth driven by innovation, strong execution, and an incredible team. We build technology that helps contractors work smarter, scale faster, and deliver better experiences to their customers.

When you join Leap, you’ll work alongside curious minds, bold innovators, and thoughtful risk-takers who care deeply about doing great work - and doing it together. Our culture is transparent, supportive, and grounded in approachable leadership. We actively listen to our employees through semi-annual engagement surveys, maintain a strong eNPS score, and consistently act on feedback to improve what’s working and where we can do better. We believe great work happens when people are supported outside of work, which is why we offer comprehensive benefits and wellness resources for you and your family.

Take the Leap today and help shape what’s next.

THE OPPORTUNITY

We are seeking a Staff Software Engineer to own lending and payments inside our next-generation platform for home-improvement contractors: the system a contracting business runs on, end to end. At its core is a lending orchestration engine: homeowners apply for financing, and the platform routes their applications across a panel of lenders, returns real offers, handles consent and e-signature, and funds the project. Connected to it is payments, so contractors can also get paid directly. You will own this platform end to end: the orchestration, the lender and processor integrations, the money model, and the event flows that tie them together. Correctness and reliability are the product. 

Leap is an AI-native company, and this codebase is built for it. We do not just permit AI-assisted development, we build around it: an agent-oriented skills architecture, MCP tooling, and parallel agent workflows are how the team ships every day. This role carries a high bar for how you personally build with AI. We want engineers who hand whole features to autonomous agents, run and coordinate several in parallel, and build the tooling, skills, and guardrails that make those agents effective. Engineers who use AI only for autocomplete or the occasional prompt are not who we are looking for, and if this is not already how you work, this is not the right role.


RESPONSIBILITIES

Lending Orchestration 

  • Own the lender-waterfall routing engine: rank lenders by dealer approval, project type, and eligibility rules, submit applications, catch declines, and re-route down the waterfall automatically.
  • Build the two-stage application flow: a soft-pull prequalification that returns real offers, then the full application through consent, e-signature, close, and funding.
  • Handle the full lifecycle including pended applications and stipulations: parse stipulation codes, drive the document-upload experience, resubmit, and reconcile status updates from each lender.
  • Integrate a growing panel of lenders (API-ready first, then lenders that need a manual or file-based step) plus a credit bureau for soft pulls.
  • Own dealer onboarding: a unified KYB and KYC payload submitted in parallel to lenders, with per-lender approval driving the financing options a dealer can offer 

Payments and Money Model 

  • Integrate the payment facilitator (hosted payment page, card tokenization, pay and refund) so contractors can collect directly, and connect it to the rest of the platform.
  • Design the money model with correctness first: integer-cents arithmetic, reconciliation, idempotency, and auditability across every flow.
  • Build toward deeper payments and financing capabilities over time, including bringing more of underwriting or facilitation in-house 

Platform, Integrations, and Data 

  • Model the platform as event-driven flows: webhooks, queues, scheduled jobs, retries, and reconciliation, with first-class observability.
  • Own a rules and eligibility engine and the configuration that lenders and admins use to control routing, disclosures, and thresholds.
  • Build the lender and admin portals and reporting: live application status, approval and funding rates, and win-loss insights.
  • Handle sensitive data with care: KYC, KYB, SSN, and signed documents, encrypted and access-controlled 

AI-Native Engineering 

  • Delegate whole features to autonomous agents, work across several in parallel, and review and direct their output rather than hand-typing most of the code.
  • Build and improve what makes agentic development work here: the skills architecture, MCP integrations, prompts, specs, and guardrails that let agents ship safely.
  • Codify context and patterns so both engineers and agents move faster, and keep raising the ceiling for what can be delegated to AI.
  • Set the standard for where to trust agents, where to keep a human in the loop, and how to hold quality high while moving at agent speed 

Team Direction and Mentorship 

  • Direct the day-to-day technical work of the augmentation engineers on the platform: set the patterns, review the work, and own the quality of everything that ships, including the code you did not write yourself.
  • Level up the engineers around you through code review, pairing, and design discussions.
  • Raise the technical bar and help build a high-performing engineering team.
  • Serve as the engineering point of contact between the fintech business team, platform engineering, and the rest of Leap engineering.
  • Translate business requirements into technical plans and well-scoped deliverables.
  • Collaborate closely across product, engineering, and infrastructure.

REQUIRED SKILLS

  • Minimum of Associate’s Degree, Bachelor’s Degree preferred.
  • 8+ years of professional software engineering experience, with real fintech depth in lending, payments, or both.
  • A track record of shipping: merged, working software in front of customers is your unit of progress, and you can point to what you shipped recently.
  • You have built systems that integrate third-party financial APIs with complex asynchronous flows: applications, decisioning, webhooks, stipulations, e-signature, and disbursement.
  • You think natively about money-correctness, idempotency, reconciliation, and handling sensitive data (PII, SSN).
  • Deep TypeScript and PostgreSQL: Node and Express on the backend, React on the frontend, with strong relational data modeling and migration management.
  • Experience with event-driven architectures (queues, webhooks, scheduled jobs) and containerized AWS deployments.
  • Experience directing the work of other engineers, as a tech lead, technical anchor, or owner of an extended or augmentation team: you set direction and hold a quality bar for code you did not write yourself.
  • Strong written communication: you can author clear design documents and ADRs.
  • AI is central to how you personally ship, and you already work at a high level of autonomy with it: you hand whole tasks to agents, coordinate several at once, and build the workflows that make them effective. This is a hard requirement, and we will ask you to show us how you work 

PREFERRED SKILLS

  • Consumer lending, loan origination, or point-of-sale financing systems.
  • Payment processing or payment-facilitator (PayFac) experience: tokenization, card and ACH, payouts, refunds, and disputes.
  • Experience taking a platform build to production maturity and owning it thereafter.
  • Familiarity with KYC and KYB, credit bureau integrations, and PCI-sensitive flows. 
  • Rules or decisioning engines, and reporting or analytics for financial data.
  • Home-services, field-service, or contractor SaaS domain.

Compensation will be determined based on experience, skills, and qualifications.

 

Pay Range

$200,000 - $215,000 USD

Benefits

We believe in supporting our employees holistically - your health, financial well-being, time to recharge, and overall happiness matter to us. Here’s what you can look forward to:

  • Affordable Health & Wellness Coverage – comprehensive and competitive benefits package, starting the first of the month following your hire date.
  • Invest in Your Future – 401(k) company match to help you build financial security.
  • Time to Recharge – We believe time to rest and recharge matters. Leap offers a Flexible Time Off (FTO) policy, 10 paid sick days, and 8 paid company holidays.
  • Comprehensive Employee Assistance Program (EAP) – resources to support your mental health, financial well-being, and everyday challenges.
  • Exclusive Discounts with LifeMart (via ADP) – save on groceries, restaurants, entertainment, pet insurance, cell phones, child care, and more!
  • MoveSpring Wellness App – stay active and engaged with company step challenges, workout content, meditation tools, and wellness blogs for a healthier you!
  • Culture & Team-Building Activities – we love to connect, celebrate, and grow together through team events, fun challenges, and company traditions like our Annual Summit!

Join us and experience a company that truly invests in YOU!

Leap is an Equal Employment Opportunity and Affirmative Action Employer. We are committed to providing an environment of mutual respect where equal employment opportunities are available to all applicants and teammates without regard to race, religion, color, sex, gender identity, sexual orientation, age, non-disqualifying physical or mental disability, national origin, veteran status or any other basis covered by appropriate law. All employment decisions are made based on qualifications, merit, and business needs.

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