Sr. Software Engineer - Technical Lead

The Sr Software Engineer, is responsible for the technical leadership, architecture, and delivery of integration solutions within MeridianLink's consumer lending platform. This role serves as the primary technical lead for a dedicated engineering team focused on financial technology integrations. The Sr Software Engineer will design, develop, document, test, deploy, monitor, and debug integration solutions across new and existing software systems and applications. The role acts as the deepest technical expert on the team, owns end-to-end integration architecture, and is accountable for the technical quality, security, and scalability of all fintech integration touchpoints within the platform.

Expected Duties

• Serve as technical lead, providing architectural direction and hands-on engineering for consumer lending solutions.

• Design and implement robust, secure, and maintainable layers using C#, VB.Net, RESTful web services, and SOAP APIs, ensuring consistency and reliability across the consumer lending platform.

• Own the full development lifecycle from requirements analysis and technical design through implementation, testing, deployment, and production monitoring.

• Establish and enforce technical standards, coding practices, and integration patterns for the team; conduct code reviews and define quality gates that ensure security, performance, and maintainability.

• Create architectural blueprints and technical design documents for complex problems, evaluating provider contracts, API specifications, and data schemas to guide the team toward sound, scalable solutions.

• Act as the escalation point for production incidents and complex technical issues involving fintech integrations, driving root cause analysis and sustainable resolution.

• Mentor and grow junior and mid-level engineers on the team; provide structured guidance, pair programming, and knowledge transfer on integration patterns, financial data handling, and platform conventions.

• Evaluate emerging fintech integration partners and technologies, conducting proof-of-concept work and providing recommendations to engineering leadership.

• Ensure all solutions meet MeridianLink's standards for data security, PII handling, regulatory compliance, and financial data privacy.

• Contribute to cross-team architectural decisions affecting infrastructure, shared services, and platform-wide API strategy.

• Perform other duties as assigned in a timely fashion.

Qualifications: Knowledge, Skills, and Abilities

The role encompasses work that is new, highly complex, and highly impactful to the business. The individual will have complete knowledge and deep understanding of software engineering principles, integration architecture, and fintech domain practices. Work involves problems of diverse and cross-functional scope where analysis requires evaluation of technical, security, and business factors simultaneously. Work is performed independently and outcomes are expected to influence team direction and product strategy.

• Ability to assess unusual or ambiguous technical circumstances and apply sophisticated analytical and problem-solving techniques to identify root cause and design durable solutions.

• Ability to resolve and evaluate a wide range of integration and system issues in creative ways, suggesting and validating variations in approach with clear trade-off analysis.

• Ability to devise solutions based on limited external documentation or precedent, adapting existing platform patterns to resolve novel challenges from new partners.

• Ability to build and maintain relationships with senior internal stakeholders and external partner engineering teams, including effective communication and persuasion with audiences not familiar with architecture.

• Strong understanding of patterns including OAuth 2.0, webhook-based event delivery, certificate-pinned mTLS, JSON/XML payload transformation, and API versioning strategies.

• Deep familiarity with financial data concepts including credit bureau data, fraud scoring models, bank account verification flows, income verification, and risk-based decisioning pipelines.

• Bachelor’s degree in computer science, Software Engineering, or a related field and 7–10 years of progressive software development experience, or equivalent combination of education and experience.

Required Technical Skills:

• 7–10 years of progressive software engineering experience, including technical leadership responsibilities.

• Strong expertise in C#, VB.Net, .NET Framework, and enterprise web application development.

• Experience designing and integrating RESTful and SOAP APIs in distributed systems.

• Proven ability to lead technical teams and deliver complex integration projects end-to-end.

• Experience with SQL Server, relational database design, and performance optimization.

• Strong understanding of fintech integration concepts including OAuth 2.0, webhooks, API security, and financial data workflows.

• Experience with consumer lending, financial systems, or fintech platforms is strongly preferred.

• Comfortable using AI-powered development tools for coding assistance, debugging, automated testing, code reviews, documentation, and engineering productivity improvements.

• Excellent problem-solving, communication, and cross-functional collaboration skills.

Preferred Technical Skills:

• Experience with consumer lending, loan origination systems (LOS), or financial institution software.

• Familiarity with credit decisioning engines, dynamic scoring models, and automated underwriting workflows.

• Cloud and Azure development experience.

• CI/CD pipeline design and DevOps practices.

• Automated testing methodologies including unit, integration, and contract testing.

• Performance profiling and security hardening of API-based integrations.