Senior Software Engineering Lead - Bank Lending Solutions

Your opportunity

At Schwab, you’re empowered to make an impact on your career. Here, innovative thought meets creative problem solving, helping us “challenge the status quo” and transform the finance industry together.

We believe in the importance of in-office collaboration and fully intend for the selected candidate for this role to work on site in the specified location(s). This role is expected to be in the office 4 days a week.

Schwab Technology Services enables the future of how clients manage their money by providing innovative and reliable technology products and services as part of our ongoing commitment to democratize access to investing and financial planning.

We are seeking a Senior Software Engineering Lead to play a pivotal role in building and evolving the technology that powers Charles Schwab Bank’s Lending platforms, spanning Home Mortgages and Securities‑Based Lending, including our flagship Pledged Asset Line (PAL) product.

In this role, you will operate as a technical leader who is both deeply hands‑on and strategically minded—owning the design and delivery of large‑scale initiatives while serving as a key contributor to solution architecture for new capabilities and critical roadmap enhancements. You will immerse yourself in our Java / Spring Boot ecosystem, applying modern engineering practices and tools (including GitHub Copilot) to build high‑quality, scalable, and resilient software solutions.

Our Bank Technology – Lending organization supports complex, business‑critical integrations across SaaS providers, internal platforms, and core lending systems of record, enabling end‑to‑end Loan Origination and Servicing experiences. As a senior technical leader, you will influence system design across domains, guide implementation decisions, and help ensure our platforms remain secure, extensible, and well‑positioned for future growth. In addition to core technical leadership, this role is expected to push the envelope on how AI‑assisted development and emerging AI capabilities are thoughtfully applied within our engineering practices.

While our AI adoption is still evolving, we are looking for an engineer who is both curious and grounded—someone who will experiment responsibly, evaluate real‑world applicability, and help stablish practical standards for how AI can improve developer productivity, solution design, and system quality within a regulated banking environment.

You will partner closely with product owners, architects, and engineering peers to translate business strategy into technical solutions—mentoring engineers, shaping standards, and leading delivery across high‑impact initiatives that provide liquidity to clients across a diverse range of asset classes held at Schwab.

If you are motivated by owning complex technical problems, influencing architecture at scale, and serving as a technical standard‑bearer within a collaborative financial services environment, this role offers the opportunity to make a lasting impact while continuing to grow your career as a senior individual contributor.

Responsibilities Include

• Provide technical leadership and hands‑on delivery for large, cross‑cutting initiatives across Schwab Bank Lending platforms, including next‑generation capabilities such as crypto‑based lending, lending against alternative investments (non‑marginable collateral), and multi‑core backend architectures.
• Own solution design and architectural decisions for complex, multi‑system workflows spanning loan origination, servicing, and downstream integrations—ensuring solutions are scalable, secure, resilient, and aligned with long‑term platform strategy.
• Partner with product, architecture, and business stakeholders to translate roadmap initiatives and regulatory considerations into pragmatic technical approaches; influence scope, sequencing, and design tradeoffs to maximize business and technical outcomes.
• Act as a technical standard‑bearer within the organization—establishing patterns, best practices, and guardrails across code, integration, testing, and system design while mentoring engineers through influence rather than direct authority.
• Lead engineering execution across teams, guiding technical direction, reviewing designs and implementations, and unblocking complex delivery challenges while remaining deeply engaged in critical code paths.
• Champion thoughtful use of AI‑assisted development practices, helping explore and evaluate how emerging AI capabilities can improve productivity, solution quality, and design effectiveness—while setting practical, responsible standards appropriate for a regulated financial environment.
• Drive engineering excellence and operational rigor, including automated testing, reliability, security, and production readiness; proactively identify architectural or systemic risks and lead mitigation efforts before client impact occurs.
• Support and evolve production systems, participating in complex issue triage and root‑cause analysis while using those insights to inform architectural improvements and long‑term resiliency.
  
  

What you have

Required Qualifications

To ensure that we fulfill our promise of “challenging the status quo,” this role has specific qualifications that successful candidates should have:

• Bachelor’s or Master’s degree in Computer Science, Information Technology, or a related field, or equivalent practical experience demonstrating deep technical leadership and system design expertise.
• 10 years of experience designing, developing, and delivering large‑scale, distributed software systems, with deep hands‑on expertise in Java, Spring, and Spring Boot, including REST‑based APIs supporting high‑volume, high‑availability transactional environments.
• Demonstrated experience leading solution design and architectural decisions for complex, multi‑system initiatives—translating ambiguous business and regulatory requirements into scalable, resilient, and secure technical solutions.
• 8 years of experience working with cloud‑native architectures, including containerized microservices, service orchestration, and distributed system integration in public or hybrid cloud environments.
• 8 years of experience building and evolving CI/CD pipelines and deployment automation, using tools such as GitHub, GitLab, Bamboo, or equivalent, with a focus on reliability, repeatability, and operational rigor.
• Strong experience designing and enforcing automated testing strategies (unit, integration, and acceptance testing), balancing speed of delivery with long‑term system quality and maintainability.
• Proven experience working with distributed and relational data stores such as MongoDB, PostgreSQL/DB2, Aerospike, or similar technologies in complex transactional systems.
• Experience designing and operating event‑driven and messaging‑based architectures, using technologies such as Kafka, RabbitMQ, or equivalent, particularly in low‑latency or high‑throughput environments.
• Demonstrated experience implementing authentication and authorization mechanisms using industry standards such as OAuth, SAML, or related security frameworks.
  
  

Preferred Qualifications

• Experience designing or supporting banking or move‑money platforms, particularly within regulated financial services environments involving credit, risk, and client asset visibility.
• Prior experience with Security‑Based Lending, margin lending, or other asset‑backed credit products where loan value, availability, or exposure is dynamically influenced by collateral valuation, eligibility, and concentration.
• Familiarity with lending models tied to market‑driven or real‑time valuation of collateral, including the downstream technical implications for risk controls, monitoring, and system resiliency.
• Exposure to non‑traditional or alternative collateral types, such as restricted securities, alternative investments, digital assets, or other non‑marginable asset classes.
• Experience working across multiple systems of record or core platforms, particularly in environments where credit decisions, valuation, and servicing span heterogeneous backends.
• Domain experience collaborating with or supporting credit risk, treasury, operations, or regulatory partners, translating complex financial concepts into durable technical solutions.
• Prior involvement in platform modernization or first‑of‑kind initiatives within banking or capital markets, where underlying assumptions, controls, or product models were evolving.
• Exposure to digital asset platforms, crypto‑related systems, or distributed ledger–adjacent technologies, particularly as they relate to custody, valuation, or client asset representation.
• Experience applying AI‑assisted development techniques beyond basic code generation—such as design exploration, test generation, or developer workflow optimization—while operating within regulated environments
  
  

Applicants must be currently authorized to work in the United States on a full-time basis without employer sponsorship.

In addition to the salary range, this role is also eligible for bonus or incentive opportunities

What’s in it for you

At Schwab, you’re empowered to shape your future. We champion your growth through meaningful work, continuous learning, and a culture of trust and collaboration—so you can build the skills to make a lasting impact. Our Hybrid Work and Flexibility approach balances our ongoing commitment to workplace flexibility, serving our clients, and our strong belief in the value of being together in person on a regular basis.

We offer a competitive benefits package that takes care of the whole you – both today and in the future:

• 401(k) with company match and Employee stock purchase plan
• Paid time for vacation, volunteering, and 28-day sabbatical after every 5 years of service for eligible positions
• Paid parental leave and family building benefits
• Tuition reimbursement
• Health, dental, and vision insurance