Senior Software Engineer - Credit

Alt Platform Inc•New York, NY

1d•$200,000 - $220,000•Remote

About The Position

Alt is unlocking the value of alternative assets, starting with the $5B trading-card market. We let collectors buy, sell, vault, and finance their cards in one place and we are backed by leaders at Stripe, Coinbase, Seven Seven Six, and pro athletes like Tom Brady and Giannis Antetokounmpo. Our next frontier is real-time pricing at scale—the Alt Value that powers every trade, loan, and product on the platform. A collector borrows against a card sitting in our vault. We size the advance off its Alt Value, underwrite it, disburse the money, and manage the loan until the last dollar comes back or the collateral is released. Today too much of that path runs on people: manual approvals, hand-checked disbursements, a triage queue that grows when a transfer goes sideways, and screens that don't always tell the borrower where their money is. Your job is to turn that into a product. You'll implement our new underwriting design hand in hand with our data scientists, automate the loan workflow end to end, own disbursement failures until they stop happening, and ship the borrower and operator experiences on top, built from our designs. This is a full-stack seat: the same engineer who fixes the idempotency bug builds the screen that tells the borrower their funds are on the way. The north star: T7 (trailing 7-day) Disbursement within SLA rate, with a target of 99%. Every underwriting change, automation, triage fix, and screen you ship either moves that number or protects it. Supporting KPIs: time from application to underwriting decision, share of loans that go from application to funded with no manual touch, disbursement exceptions per week, and support tickets asking "where is my money," driven toward zero. In lending, a disbursement that "probably went out" is a failure. The people who are great at this have owned a lending or payments product where it mattered, from the state machine to the pixels. They think in idempotency and reconciliation because they've been on the wrong side of both, and they care that the UI tells the truth about what the system is doing.

Requirements

5+ years building and scaling production applications across the stack: backend (Python, Postgres, AWS or comparable cloud infrastructure) and frontend (React, React Native, TypeScript).
Experience building or owning a lending, credit, or payments workflow in production (Loan origination, servicing, or disbursement).
Experience moving real money on real rails (ACH origination and returns, RTP or FedNow, wires, or equivalent).
Proficiency in workflow and state-machine design, modeling long-running processes explicitly with retries, timeouts, compensation, and a clear audit trail.
Operational debugging instinct; experience taking over a noisy exception queue and making it quiet by fixing causes.
Ability to implement complex designs faithfully and quickly, and talk a designer through a trade-off without losing the intent.
Database mastery, including expert SQL and relational design, and transactions that hold under load during scheduled auto-pay batches.
API-native vocabulary including webhooks, idempotency, eventual consistency, and reconciliation.
Product-owner thinking, understanding the flow of funds and how to tell a worried borrower exactly where their money is.
Pragmatism, knowing when a queue and a lambda are the answer and when they are three new partial-failure modes.
Experience implementing credit decisioning or underwriting logic in production alongside data scientists, turning a model or policy spec into a reliable, versioned, testable service, with shadow mode, backtesting, and a clean rollout.

Nice To Haves

Workflow engines (Temporal, Step Functions or similar)
Credit or risk modeling
Direct experience with Stripe, Plaid, Modern Treasury, or Increase
Asset-backed or secured lending
Design systems or internal tooling for operations teams
KYC/KYB, bank partnerships, or audit-readiness exposure
Collecting trading cards, or having a view on where this market is going.

Responsibilities

Implement the new underwriting design end to end, working hand in hand with data scientists, turning their models and credit policy into a production decisioning service.
Automate the loan workflow end to end, modeling it as an explicit state machine with every transition logged.
Own disbursement failures until they stop happening by finding the root cause of breaks (failed, duplicated, delayed, and stuck disbursements).
Ship the borrower and operator experiences on top, built from designs, ensuring design fidelity, accessibility, and performance.
Build operator and triage tooling for the internal console where Credit, Operations, and Support see every loan and disbursement.
Manage loan servicing and money movement, including scheduled auto-pay, partial payments, payoff quotes, reversals, and edge cases over ACH, RTP, and wires.
Implement risk controls in the workflow, such as limits, holds, loan-to-value checks, and step-up reviews.
Provide rigorous code reviews, clear technical documentation, and mentorship for the rest of the Credit team.
Act as the team's closest partner to Design and Data Science.
Stand up an agent that triages the disbursement exception queue overnight, clusters the breaks, and hands a ranked list with a proposed root cause.
Build a rail simulator that produces failures a sandbox won't.
Use models to generate adversarial test cases for the loan state machine.
Go from a design file to a working, typed component scaffold with tests.
Put an MCP server over loan and disbursement history.
Use Claude Code or Cursor as the default way to work through a migration or refactor.
Build a harness that replays historical applications through the old and new underwriting logic side by side and explains every decision that changed.