Senior Software Engineer - Decisioning

Title: Senior Software Engineer - Decisioning Location: New York, New York, United States; Remote

Octane is unlocking the power of financial products for merchants and consumers. Our cutting-edge technology and innovative financial products empower businesses with more control and flexibility, enabling them to deliver seamless digital experiences, drive customer loyalty, and build long-term value.

Octane supports merchants throughout the sales cycle: connecting dealerships with high-intent buyers, driving transparent, fast, and easy closings with award-winning technology, and providing on-going customer care with superior loan servicing.

Founded in 2014, Octane supports over 60 OEM partner brands and over 4,000 dealer partners, and has a team of over 600. Visit www.octane.co.

We are hiring a Senior Software Engineer to build features and infrastructure for our decisioning (automated underwriting) team. Used by dealerships across the country, this product provides a streamlined workflow for dealerships to get fast, flexible financing to their customers. Working with a team of passionate, experienced engineers, you'll work throughout the backend of our stack with technologies such as Python, Django, PostgreSQL.

This isn't just about writing code; it's about engineering solutions. You will work alongside a passionate group of veteran engineers to architect scalable systems, mentor growing talent, and ensure our marketplace remains the gold standard for speed and reliability.

Responsibilities: 

• Design and architect high-quality software systems that are maintainable and scalable.
• Build elegant, high-impact features using Python and Django.
• Own the reliability of the stack with sophisticated automated testing.
• Lead high-level code reviews and crush complex technical bottlenecks.
• Partner across teams to turn ambitious product visions into reality.
• Mentor rising talent and set the gold standard for engineering excellence.
• Use AI-assisted development to accelerate the pace of the software development lifecycle.

Requirements:

• 5+ years of professional software engineering experience, with a BS/MS in Computer Science or a related field preferred.
• Deep proficiency in at least one modern programming language (Python, Java, Node.js).
• Proven track record of designing, building, and delivering scalable technical solutions end-to-end.
• Hands-on experience with major cloud platforms (AWS, GCP, or Azure) and infrastructure automation (Terraform, CDK, or similar).
• Advanced SQL skills and extensive hands-on experience with relational databases (e.g., PostgreSQL, MySQL, Oracle).
• Direct experience building and deploying application containers using Docker and Kubernetes.
• Active participation in code reviews, Pull Request workflows, and version control best practices (GitHub, Bitbucket, or Azure DevOps).
• Demonstrated success mentoring junior developers, driving technical alignment, and fostering engineering growth.
• Solutions-oriented mindset with strong initiative, accountability, and communication skills within collaborative team environments.
• Ability to partner effectively across cross-functional teams to solve complex problems and deliver high-quality features.

Compensation: In addition to salary, Total Rewards include bonus eligibility, a stock option package, and benefits as outlined below. The role described above offers a base salary of $130,000 to $170,000 + corporate bonus eligibility. Your offer will be based on location, the alignment of your qualifications with the requirements of the job and internal equity.

Benefits:

• Robust Health Care Plans (Medical, Dental & Vision)
• Generous Parental Leave
• Flexible Time Off (FTO) Policy - Time Off When You Need It
• Retirement Plan (401k) with company match!
• Educational Assistance/Tuition Reimbursement up to $3K/year
• Life Insurance (Basic, Voluntary & AD&D)
• Short Term / Long Term Disability
• Robust Ancillary benefits including accident insurance, hospital insurance, etc
• Wellhub (Gympass) Wellness Benefit
• Recreational Safety Benefit

Disclaimer:  The above statements are intended to describe the general nature and level of work being performed by associates assigned to this classification.  They are not to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified.  All personnel may be required to perform duties outside of their normal responsibilities from time to time, as needed.

Octane Lending is an equal opportunity employer committed to providing equal employment opportunity without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, or any other protected status with respect to recruitment, hiring, promotion and other terms and conditions of employment.