Senior Software Engineer

Job Description

Esusu: Building Credit Access for All

Your financial future shouldn’t depend on your race, background, or zip code. Yet 45 million Americans remain “credit invisible,” while countless others face denials, evictions, and predatory interest rates regularly. Esusu is changing that.

As a financial technology and data platform, we’re revolutionizing financial health, identity services, and inclusive decision-making for individuals and businesses alike.

Our impact speaks volumes:

• $50 billion in credit activity facilitated
• 5 million+ rental units in our network
• Trusted partnerships with leading real estate companies, government entities, fintechs, banks, and employers

Through our enterprise services, embedded products, and consumer offerings, we’re creating a financial system that works for everyone—right when fintech innovation matters most. Join us in building a future where financial systems are inclusive by design, access is standard, and opportunity reaches everyone. Unlock Tomorrow with Esusu.

The Challenge:

We are seeking an expert developer, technical leader, and core team member who will take end-to-end ownership of whole systems and drive major complex systems initiatives. This role is critical as we actively reshape our Software Development Lifecycle (SDLC) to be AI-driven, utilizing agent-based workflows. The ideal candidate will work closely with other experienced engineers to contribute to and execute the team’s technical strategy, maintaining the long-term health of our Ruby on Rails monolith and future systems, and demonstrating the flexibility required to excel in a rapidly evolving, small team-minded environment. This role must ensure successful delivery against team and organizational goals.

What will you help deliver:

• Lead the technical execution and successful delivery of large, complex projects, providing architectural guidance and coordinating efforts among team members and relevant stakeholders.
• Be accountable for the long-term architecture, health, and quality of the team’s codebase and systems.
• Champion the adoption and execution of an AI-driven SDLC, specifically utilizing agent-based building techniques, and demonstrating a high degree of flexibility and willingness to learn.
• Lead engineering designs, soliciting feedback and building consensus across the team, while presenting and implementing best practices and patterns.
• Take full-cycle ownership of projects, including coordination, planning, risk management, security and compliance reviews, design, development, testing, rollout, and maintenance; resulting in an improvement of customer, product, and/or business outcomes.
• Make high-quality, impactful technical contributions across the full stack, encompassing light infrastructure work and a full-stack Ruby on Rails monolith.
• Drive collaboration with teammates, partners, and stakeholders to advance team and organizational goals.
• Mentor L5 engineers, lifting the skills and expertise of those around you, and cultivating learning and growth within the team.

Qualifications:

• Relevant Bachelor’s degree (or equivalent practical experience) plus at least 7 years of relevant industry experience in full-stack development, with significant experience in a technical leadership capacity.
• Expertise in using AI throughout the SDLC and in product development, including the ability to design and build data products for your domain. Prior significant experience building work using agents is highly preferred. Must be flexible and possess a strong willingness to learn and excel at this way of working.
• Deep expertise in one or more technical areas, serving as an excellent source of insights and wisdom within the team.
• Superb programming, software, and data development skills, enabling independent problem-solving with minimal explanation needed.
• Exceptional communication skills, with the ability to efficiently translate between technical and non-technical audiences and provide meaningful guidance on designs and code.
• At least 6 years of experience in Ruby on Rails.
• Proficiency in designing and managing relational (SQL) databases like PostgreSQL.
• Experience with front-end languages (JavaScript, TypeScript) and frameworks (Stimulus JS, React), and proficiency with CSS frameworks like Tailwind CSS.
• Experience with hosting platforms like Heroku and cloud providers such as Google Cloud Platform (GCP).

Above and Beyond:

• FinTech/PropTech Expertise: Experience working in FinTech or PropTech sectors.
• Startup Experience: Familiarity with the dynamics of startup environments.
• Compliance Knowledge: Experience working in SOC2-certified, ISO-certified, or similar organizations.
• Verification Experience: Previous experience in fraud detection or identity verification.

Competitive Benefits That Support You

At Esusu, we invest in our people with benefits designed to help you thrive both personally and professionally:

• 💵Competitive Salary – Aligned with your experience and the market
• ✅ Remote first work environment - Where we trust you to get your work done. Core availability expected during Eastern Time (8AM–5PM EST).
• 🫱🏾 🫲🏽In person and virtual team get togethers - To connect with your fellow Esusu colleagues.

We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact us to request accommodation.

© Esusu Inc. All rights reserved, Esusu is proud to be an equal opportunity workplace. We celebrate diversity and are committed to creating an inclusive environment for all employees. We do not discriminate on the basis of race, religion, color, gender identity, sexual orientation, age, disability, veteran status, or other applicable legally protected characteristics. We encourage people of different backgrounds, experiences, abilities, and perspectives to apply.