Senior Software Engineer - AI

Here at Lower, we believe homeownership is the key to building wealth, and we’re making it easier and more accessible than ever. As a mission-driven fintech, we simplify the home-buying process through cutting-edge technology and a seamless customer experience. With tens of billions in funded home loans and top ratings on Trustpilot (4.8), Google (4.9), and Zillow (4.9), we’re a leader in the industry. But what truly sets us apart? Our people. Join us and be part of something bigger. Job Description: Purpose: The Senior Software Engineer will join our AI team to design a mortgage guideline-focused AI model. The goal of this product is to enable loan officers, processors, and other key stakeholders to ask an AI-powered assistant complex guidelines, scenario, and underwriting questions — and get answers that are accurate, compliant, and aligned with Lower’s standards and risk tolerance. This position will work closely with other developers and support the development of project plans and schedules. What you’ll do: Make updates to core pricing and underwriting algorithms to expand the capabilities of the automation system. Perform optimizations to improve the execution speed and reduce memory consumption of the core engine Maintain the required configurations to keep the engine running accurately Work closely with the product team and stakeholders to identify opportunities for automation and improvements to the lending process. Build unit testing, integration, system, and user acceptance tests to ensure accurate implementation Create solutions to improve the automation of the system specifically related to testing and configuration maintenance. Propose new techniques and technologies for improving the engine capabilities Provide support to Manager in developing project plan and schedules Participate in requirement analysis, design, development, testing and implementation activities Ensure to complete the assigned development tasks within deadlines Work in compliance with coding standards and best practices Provide assistance and mentorship to other developers as needed Perform code reviews and recommend improvements Review business requirements and recommend changes to develop reliable applications Develop coding documentations and other technical specifications for assigned projects as directed Analyze and resolve development issues accurately Who you are: 6-11 years of experience is Software Engineering and Web Application Development or related fields. Experience building or maintaining Retrieval-Augmented Generation (RAG) pipelines is highly beneficial Must have some prior experience with OpenAI APIs Experience with LangGraph and Pinecone is highly preferred Demonstrated experience implementing new ideas and solve complex technical problems and design issues. Prefer Experience working in our stack (NextJS, Tailwind, Python 3, Pinecone, LangGraph). Strong understanding of core software development concepts like fast algorithms and efficient data structures. Ability to understand a specific mortgage industry concept and translate the requirements into code. This includes working with and implementing financial math concepts like amortization, APR and various qualification ratios. Why you’ll love working at Lower: You’ll be surrounded by talented, dedicated people who believe in the company’s mission. You’ll be able to shape the future of Lower’s user experience. You’ll join a locally and nationally recognized best place to work that values promotion from within. There is opportunity for professional growth and development. Plus: Competitive compensation plan Extended benefit offerings including: Medical/dental/vision Paid holidays Paid time off Parental leave Life insurance Short- and long-term disability 401K with company match Discount on home mortgage refinances or purchase Job Type: Full-time Work Location: Hybrid in either Columbus, OH, Austin, TX, or Denver, CO Lower provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training. Privacy Policy Here at Lower, we believe homeownership is the greatest wealth creator in America today. Our goal is to make homeownership accessible to more people. We also know the path to get there can be daunting; but it doesn’t need to be. As a mission-driven fintech, everything we do revolves around simplifying the home buying process. Through our growing family of companies and products, our team meets customers where they want to do business at every step of the journey. Lower has originated, underwritten, and funded tens of billions of dollars in home loans and offers an industry-leading customer experience with ratings of 4.8 on Trustpilot, 4.9 on Google, 4.9 on Zillow, and A from the Better Business Bureau. We innovate through technology, but our people are what sets us apart. 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