Lead Engineer — Payments Platform - on-site

Lumion • South Jordan, UT

7d • $110,000 - $145,000 • Onsite

About The Position

Lumion runs payments and servicing for more than 500 career and technical schools. Our school partners establish their own financing terms and retain ownership of the obligations they originate. Supporting that model required us to build the financial infrastructure ourselves: the ledger, servicing platform, payment workflows, and compliance systems needed to manage tuition accurately throughout the life of each account. We have spent seven years developing that foundation and are NMLS-licensed across 48 states. Over the past two years, Lumion has expanded beyond payments and servicing into the full operating system for career schools. Nearly half of our school partners now use Lumion to manage the student journey from initial interest through graduation. We are growing quickly and need an experienced engineering leader to own the payments vertical as it scales.

Requirements

• At least eight years of professional experience building and shipping production software.
• Deep programming experience in PHP, Java, C#, Python, Ruby, Go, TypeScript, or another modern language.
• Real payments or financial-systems experience: built or owned production systems involving both money movement and financial recordkeeping.
• Understanding of ledgers, reconciliation, settlement, idempotency, payment allocation, refunds, chargebacks, and returns.
• Proven engineering leadership: led experienced engineers and been accountable for a team’s technical outcomes.
• Ability to set direction, maintain standards, make difficult decisions, coach people, evaluate talent, and communicate clearly when something is at risk.
• Hands-on technical depth: ability to inspect code, reason about data models, review architecture, diagnose difficult production problems, and contribute directly when needed.
• Product and commercial judgment: understand how engineering decisions affect customer behavior, collection performance, product adoption, and revenue.
• Ability to identify an opportunity, form a hypothesis, prioritize the work, lead implementation, and evaluate the result.
• Strong cross-functional partnership: ability to work effectively with servicing, collections, compliance, finance, product, support, and company leadership.
• Ability to listen to the people operating the system every day and turn their knowledge into better product decisions.
• Comfortable using AI-assisted tools thoughtfully while remaining accountable for the resulting architecture, code, and business outcomes.

Nice To Haves

• An accounting background.
• Experience with lending, loan servicing, collections, education financing, payment facilitators, regulatory compliance, tax allocation, Finix, Payabli, Stripe, Plaid, PHP, or Laravel.

Responsibilities

• Lead the engineering team responsible for Lumion’s payments platform and own the systems behind payment plans, ledgers, allocation, interest accrual, taxes, fees, refunds, chargebacks, ACH returns, settlements, reconciliation, and payoff calculations.
• Work closely with the servicing team to improve collection performance and guide the product in the right direction.
• Identify where money is being lost, where operational friction is affecting collections, and where new product capabilities can create revenue for Lumion and better outcomes for our schools.
• Set direction, make technical and product decisions, and lead experienced engineers.
• Work inside the code, trace transactions, review designs, and help solve difficult production problems.
• Be accountable for the correctness and reliability of payments across every contract structure, allocation path, payment method, and reversal.
• Lead investigations when a ledger does not balance or a payoff is off by a cent until the cause is understood and permanently corrected.
• Improve workflows for failed payments, delinquent accounts, payment-plan changes, and borrower communication.
• Turn recurring servicing problems into durable product improvements.
• Help determine where the payments product goes next.
• Using product data, servicing feedback, collection performance, and customer needs, identify opportunities, decide what the team should build, lead implementation, and measure whether it worked.
• Lead a team of experienced engineers, establish a high technical standard, make decisions, remove obstacles, and own the team’s outcomes.
• Help grow the team by evaluating candidates, making hiring decisions, and coaching engineers.
• Own the response when something breaks in payments until both the system and the affected financial records are correct.

Benefits

• $110,000–$145,000 base salary
• Equity
• Quarterly performance bonuses
• Unlimited PTO
• 401(k)
• Health, dental, and vision coverage, with an employer contribution of up to $537.50 per month
• $200 monthly technology stipend
• $100 monthly wellness stipend

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: No Education Listed