Senior Software Engineer DTC Team

Here at Lower we believe homeownership is the key to building wealth and were making it easier and more accessible than ever. As a mission-driven fintech we simplify the home-buying process through cutting-edge technology and a seamless customer experience.

With tens of billions in funded home loans and top ratings on Trustpilot (4.8) Google (4.9) and Zillow (4.9) were a leader in the industry. But what truly sets us apart Our people. Join us and be part of something bigger.

Job Description:

Were building a modern direct-to-consumer (DTC) web application that transforms how people experience mortgage lending. Our platform focuses on evaluating customer readiness and lead quality building intent and trust boosting conversion of potential customers and delivering a first-class borrower experience. As a Senior Software Engineer on the DTC team youll play a key role in shaping technology that makes the lending process smarter more transparent and more human.

This is an opportunity to join a fintech company redefining the mortgage industry by combining data-driven insights with thoughtful user experiences. Youll work on impactful projects collaborate with a talented team and help us build scalable systems that directly improve how people achieve one of lifes biggest milestonesowning a home.

Work Location: Hybrid in either Columbus OH; Austin TX; or Denver CO

Compensation Range: $140000-$165000.

Work Type: Full-time W2 employment visa sponsorship is not available for this position at this time.

What youll do:

Technical Skills

• System design & architecture: Ability to design scalable reliable and maintainable systems with an understanding of tradeoffs between performance cost and complexity.

• Code quality & testing: Strong in unit integration end-to-end testing and test automation frameworks.

• Performance optimization: Proficiency in profiling debugging and optimizing application performance.

• DevOps & CI/CD: Experience with deployment pipelines monitoring observability and release management.

• Security awareness: Knowledge of secure coding practices threat modeling and compliance requirements.

• Data & APIs: Comfortable designing and consuming APIs working with databases and handling data modeling.

• Tooling & automation: Skilled at improving developer workflows through automation (build systems config management test infrastructure).

Collaboration & Leadership

• Stakeholder communication: Translate business needs into technical requirements clearly communicate tradeoffs and align solutions with product goals.

• Mentorship: Coach junior and mid-level engineers providing guidance on coding practices system design and career development.

• Code review: Promote best practices in readability maintainability and scalability through constructive code reviews providing guidance and support.

• Cross-functional collaboration: Work effectively with product managers QA designers and other teams.

Project & Execution

• Project ownership: Coordinate projects from design through delivery ensuring scope deadlines and quality are balanced.

• Risk management: Identify risks early (technical debt bottlenecks scalability limits) and propose mitigations.

• Tradeoff negotiation: Weigh cost scalability and performance when evaluating solutions and clearly explain reasoning.

• Documentation: Produce and maintain high-quality technical documentation for systems processes and decisions.

• Continuous improvement: Advocate for better processes tooling and practices that improve velocity and reduce errors.

Strategic Impact

• Technical vision: Influence long-term technical direction helping shape architecture and tech stack decisions.

• Innovation: Proactively identify opportunities for new technologies frameworks or approaches that benefit the business.

• Quality bar setting: Advocate for engineering excellence ensuring the team balances speed with maintainability.

Who you are:

• 611 years of professional experience in software engineering and enterprise-scale web application development (or closely related fields).

• 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 our stackC# .NET TypeScript React AWS and Postgresor the ability to quickly learn new languages frameworks and tools.

• Strong computer science foundations including algorithms data structures concurrency parallelism asynchronous programming networking and system design.

• Excellent communication and collaboration skillssomeone who values teamwork 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.

What youll get:

• 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

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.