Software Engineer IV

FLSA Status
Exempt
Schedule:
Work hours will depend on the business hours of the time zone serviced. Saturday hours required seasonally and as business needs require.

To the extent permitted by law, the Company may, in its sole discretion, change the work schedule to address business needs.

In This Role, You Will:
Provide mentorship and technical guidance for the Online Lending Development team. The primary functions of this team include developing internal and external web applications that are used by internal Mariner employees and external Mariner customers. Set the technical direction, design resilient architectures, raise the bar on code quality, and mentor a team of full-stack engineers to deliver reliably at speed. Act as part architect, part hands-on builder, and part mentor — focused on the team's collective output and technical health of our systems, not just individual commits. Provide development support by designing, coding, documenting, and testing Node.JS, , MongoDB, and Redis solutions per business requirements. Provide technical leadership for projects through the entire SDLC from gathering requirements, data analysis to development, testing, documentation, deployment, and support.

Responsibilities and Essential Duties:

• Own systems and application architecture for new initiatives: choose patterns, boundaries, and services; produce ADRs and high-level designs; decompose work for iterative delivery.
• Design and evolve microservices and composable architectures with clear contracts, domain boundaries, and independent deployability.
• Recommend and enforce coding standards and quality gates (tests, linting, type safety, performance budgets); complete design reviews and code reviews.
• Balance feature delivery with technical debt management; make trade-offs explicit and plan repayments.
• Ship high-quality web apps using JavaScript/TypeScript, React, , and REST/GraphQL APIs; integrate with headless CMS.
• Design, document, and maintain public and internal APIs.
• Leverage AWS (e.g., ECS/EKS, Lambda, API Gateway, S3, CloudFront, RDS/DynamoDB, CloudWatch).
• Partner with DevOps on CI/CD pipelines, IaC, monitoring, and SLOs; drive incident response and root-cause analysis.
• Proactively recommend innovative solutions for solving problems based on industry standards, guidelines, and recommendations in the financial industry.
• Work with business partners and developers to build robust enterprise Online Lending Web and Web API solutions that satisfy business requirements.
• Review and interpret ongoing business application requirements, research required data, and build appropriate deliverables.
• Document and provide support for deployed Online Lending solutions.
• Verify the accuracy and validity of all software developed. Conduct code reviews, including preparations of sample test data for unit testing and the execution of programs, scheduled CRON jobs, and system testing, as well as preparing all required documentation indicating system functionality.
• Investigate the root cause of application issues, system down, or database failures and makes accurate decisions to fix or repair the problem.
• Collaborate cross-functionally with Product, Design, Security, and Data teams.
• Foster a culture of craftsmanship, learning, and psychological safety.
• Mentor the development team and help to grow and evolve their technical skills.
• Use and coach others on AI-assisted coding tools responsibly to accelerate routine tasks and improve test coverage while maintaining human oversight.
• Research and propose new technologies, architecture, platforms, tools, and processes that can be utilized by the team.
• Participate in the rotation for monitoring and troubleshooting Mariner's production issues (off-hour support).
• May perform additional functions depending on market demand and staffing in order to provide consistent quality customer service.

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Required Qualifications:

• High school diploma or equivalent.
• Minimum of seven (7) years of professional software development with at least two (2) years in a senior role.
• Built production web apps with React and
• Designed and operated services on AWS with strong understanding of networking, security, and reliability.
• Architected microservices or modular monoliths and led migrations/refactors.
• Led code/design reviews and improved team practices.
• Experience with MongoDB and MongoDB driver.
• Experience implementing Service Oriented Architectures.
• Solid understanding of client-side browser technologies (aka: Safari, Edge) and mobile technology platforms and how they impact page rendering of HTML styles, JavaScript, JQuery, and/or Ajax.
• Knowledge of latest technologies – , React, SOAP, and RESTful Services.
• Ability to interpret application requests and requirements in order to build appropriate automated solutions.
• Experience designing and developing web service-based programming solutions.
• Desire and ability to learn emerging technologies and methodologies.
• Strong attention to detail, interpersonal skills, and notation skills.

Preferred Qualifications:

• Bachelor's degree in related field (Information Systems, MIS, BIS, CIS, etc.). Additional years of experience may substitute for degree.
• Experience with composable architecture and headless CMS (e.g., Contentful, Sanity, Strapi).
• GraphQL API design, API gateways, and event-driven patterns.
• Exposure to accessibility, web performance, and security best practices.
• Experience with Jira, GitHub, Confluence, Slack, VS Code.
• Experience with Docker.
• Experience with macOS.
• Experience with Online Lending business model, fintech or regulated industries.

Physical Demands:
While performing the duties of this job, the employee is frequently required to sit for extended periods; reach with hands and arms; and talk or hear. The employee is occasionally required to move about. The employee must occasionally lift and/or move up to twenty (20) pounds. Specific vision abilities required by this job include close vision and the ability to adjust focus.

Disclaimer
This job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee. Duties, responsibilities, and activities may change or new ones may be assigned at any time or without notice.
Compensation
: Salary (commensurate with experience) + Bonus

Benefits:
Mariner Finance offers comprehensive benefits to eligible employees, including:

• Health Insurance - Health Savings