Senior Software Engineer

Total Expert is the Customer Operating System for financial services. Our purpose-built platform combines a system of context with a system of action that enables humans and AI Assistants to engage in the moments that matter and earn customers for life. Since 2016 Total Expert has enabled more than seven trillion dollars of funded loan volume.

In this role you'll be a technical leader on the Customer IQ team, the data intelligence layer that unifies customer data across sources into a complete, actionable view for our lenders and financial institutions. We're looking for a senior-level full-stack engineer who pairs deep judgment with modern AI-assisted development: someone who moves fast with the latest tooling while owning the correctness, coherence, and long-term health of complex data systems.

You'll set technical direction for how we build, not just write code.  You can frame ambiguous problems into well-specified work, directing AI tooling with discernment, and being accountable for what ships into a platform where data accuracy is non-negotiable.

What you’ll be doing:

• Set technical direction for Customer IQ features and platform capabilities, using modern AI-assisted tooling to ship at high velocity while owning the judgment over what is correct and production-ready.
• Reason about complex data flows end to end including ingestion, identity resolution, unification, and downstream consumption, anticipating blast radius and integration failure modes.
• Lead refactoring and decoupling efforts to migrate legacy components toward microservices, APIs, and modern frameworks during a multi-phase modernization program, extracting and accurately reconstructing business logic.
• Partner with the Quality Engineer to foster an automation-first approach to verification including automated tests, evaluation, and observability sufficient to keep velocity from turning into entropy as features expand rapidly.
• Communicate clearly with Product, Support, customers, and Engineering stakeholders, translating between business intent and technical design.

What we are looking for:

• Bachelor's degree in Computer Science, Software Engineering, Information Technology, or a related field.
• 8+ years of professional software engineering experience in a team-based environment.
• Strong computer science fundamentals (data representation, data structures, algorithms).
• Primary stack: .NET/C#, PHP, MySQL, and AWS; comparable language, framework, database, and cloud platform experience acceptable.
• Demonstrated ability to decompose ambiguous, complex problems into well-specified, bounded work with clear contracts and acceptance criteria.
• Hands-on fluency directing AI-assisted development tools (code generation, review, test creation) and, critically, the discernment to evaluate their output, catch subtle integration and data-correctness failures.
• Experience designing and reasoning about complex data systems and data flows including data modeling and integration across multiple sources, and ideally customer data platforms, identity resolution, or large-scale unified-profile / "customer 360" systems.
• Experience with software architecture and refactoring legacy code using proven design patterns, with the ability to hold a whole-system map and reason about service boundaries and coupling.
• Experience building responsive web applications with JavaScript/TypeScript and modern frameworks (React, Vue, etc.).
• Experience with object-oriented languages (C#, Java, Python, etc.) and relational databases (MySQL, PostgreSQL, SQL Server, etc.).
• Experience building comprehensive automated test suites integrated with CI/CD pipelines to support reliable, high-velocity development.
• Strong communication and collaboration skills across all levels of the organization.