Required experience
· 5+ years working on lending, credit, or underwriting systems
· Direct experience with at least one of:
o Loan Origination Systems (LOS)
o Credit decisioning platforms
o Risk / underwriting tooling
o Document-heavy financial workflows
· Strong understanding of:
o borrowers, guarantors, collateral, entities
o credit policies and exceptions
o verification workflows (KYC, KYB, doc review, matching)
Technical skills
· Strong data modeling skills (relational + graph concepts)
· Comfortable reasoning about:
o schemas
o versioning
o auditability
o deterministic vs probabilistic systems
· Able to read and contribute to backend code (we don’t need you to ship everything, but you must be technical)
· Experience working with JSON-based configs, rules engines, or DSLs is a big plus
What we explicitly do NOT need
· Pure data scientists
· Pure ML engineers
· People who’ve only worked on dashboards or CRUD apps
· People who haven’t seen real credit workflows in production
