Happen Bank (formerly LendingClub) is built around a simple purpose: to clear the way to help people turn intention into action, and action into financial progress. That means offering focused products, a frictionless mobile-first experience, and clear terms with no gotchas. Respect and fairness is part of our DNA, and that ideal shapes how we work, how we treat each other, and how we invest in our employees and our community. Join us in using data, bold thinking, and a commitment to innovation to help clear the way for millions of Americans to achieve more.
About the RoleThe Dynamic Application Platform is the engine behind Happen Bank's consumer product suite - a graph-driven orchestration platform that lets product teams compose, launch, and evolve application experiences across lending, deposits, and beyond. As a Principal Backend Engineer on this team, you'll set the technical direction for the platform and keep it reliable and performant as consumer volume grows, staying hands-on in the code every day. This is a high-visibility role with impact across every consumer-facing product that builds on the platform.What You'll Do
- Set the architecture and technical direction for the Dynamic Application Platform, defining the patterns and standards that let it scale across every consumer product that depends on it
- Design and build core platform services in Java and Spring Boot, staying hands-on in production code and setting the bar for quality through the work itself
- Own the reliability, availability, and performance of the platform under growing consumer traffic, hardening the orchestration and graph engine and its integrations across many downstream services
- Lead complex, ambiguous technical initiatives from system design through delivery, including modernizing the platform's foundations where it unlocks better outcomes
- Establish platform-wide engineering standards and guardrails, and drive alignment on shared architecture across multiple consumer product teams
- Raise the bar for how AI shows up in the team's work and in the platform itself - using AI to accelerate design, development, and review, and helping embed AI capabilities into the platform where they improve outcomes, while setting responsible-use standards for quality, data integrity, and maintainability
- Partner with product and engineering leadership to translate business goals into technical strategy and a platform roadmap
- Mentor and grow senior engineers through design review, pairing, and technical coaching, multiplying the team's impact well beyond your own output
- 10+ years of backend software engineering experience, and a bachelor's degree or higher, or equivalent combination of education and work experience
- Deep expertise building backend services in Java and Spring Boot, with strong command of AWS, and both relational and NoSQL data stores
- A track record designing distributed systems for high availability and resilience at consumer scale, along with clean, well-versioned APIs and service contracts across many integrated services
- Fluency modeling complex application logic as workflows, graphs, state machines, or configuration, and reasoning clearly about how those models behave at runtime
- You lead with strategy and system design while staying deeply hands-on, setting technical direction that other engineers build on
- You bring sound judgment to high-stakes, ambiguous problems and make decisions that balance speed against long-term maintainability, security, and cost
- You apply AI to complex engineering work to unlock better outcomes, not just speed, and you hold a high bar for responsible use - security, data integrity, model governance, and the long-term cost of decisions made in the name of speed
- You multiply the people around you, mentoring senior engineers, elevating standards, and building alignment across teams through influence rather than authority
- Experience in financial services, lending, or another regulated domain, along with familiarity with the compliance considerations that come with it
- Hands-on experience building graph-based, workflow, or rules-engine orchestration platforms that other teams build on top of
Work Location
San Francisco
The above locations are eligible offices for this role. The locations have been determined to foster in-person collaboration with this role’s team or the related business lines. We utilize a hybrid work model, and our teams are in-office Tuesdays, Wednesdays, and Thursdays. In-person attendance is essential for this role’s success, and remote placement will not be considered. Happen Bank offers relocation, based on actual job level.
Time Zone Requirements
Local hours (PT)
While the position will primarily work local hours, Happen Bank is headquartered in Pacific Time and our ideal candidate will be flexible working across time zones when necessary.
Travel Requirements
As needed travel to Happen Bank offices and/or other locations, as needed.
Compensation
The target base salary range for this position is 197,000-232,000. The base salary of the role will be determined by job-related knowledge, experience, education, skills, and location. Base salary is just one part of Happen Bank's Total Rewards package. You may also be eligible for long-term awards (equity) and an annual bonus (which is based on company performance, employee performance and eligible earnings).
We’re creating new financial services solutions for our members based on fairness, simplicity, and heart, and we treat our employees the same way. We offer a competitive benefits package that includes medical, dental and vision plans for employees and their families, 401(k) match, health and wellness programs, flexible time off policies for salaried employees, up to 16 weeks paid parental leave and more.
#LI-Hybrid
#LI-JH1
Happen Bank is an equal opportunity employer and dedicated to diversity, equity, and inclusion in the workplace. We do not discriminate on the basis of race, religion, color, national origin, sex (including pregnancy, childbirth, reproductive health decisions, or related medical conditions), gender, gender identity, gender expression, sexual orientation, age, marital status, veteran status, disability status, political views or activity, or other applicable legally protected characteristics. We believe that a variety of perspectives will make our teams and business stronger as we work together to transform the traditional banking system.
We are committed to providing reasonable accommodations for qualified individuals with disabilities in our job application process. If you need assistance or an accommodation due to a disability, please contact us at [email protected].
Notice on AI Tool Use
For select roles and locations, candidate interviews may be recorded, transcribed and summarized by tools such as artificial intelligence (AI) to assist our hiring managers with the application process.
You will have the opportunity to opt out of recording, transcription, and summarization prior to any scheduled interviews. We will not discriminate against you if you choose to opt out.
During the interview, we will collect the following categories of personal information from or about you: contact information, identifiers, professional and employment-related information, sensory information (audio/video recording), and any other categories of personal information you choose to share with us. We will use this information to evaluate your application for employment.
We will only share your interview, transcription, or summary with persons whose expertise or technology is necessary to process your application, evaluate your fitness for a position, and administer or support the tool. We will not sell your personal information or disclose it to any third party for their marketing purposes. For more information about how we will handle your personal information, please refer to our Privacy Disclosure.
We will delete any recording of your interview promptly but in no event later than 30 days after making a hiring decision.
Skills Required
- 10+ years of backend software engineering experience
- Bachelor's degree or higher, or equivalent combination of education and work experience
- Deep expertise building backend services in Java and Spring Boot
- Strong command of AWS
- Experience with relational and NoSQL data stores
- Experience designing distributed systems for high availability and resilience at consumer scale
- Experience developing versioned APIs and service contracts across integrated services
- Fluency modeling application logic as workflows, graphs, state machines, or configuration
- Ability to lead strategy and system design while remaining hands-on
- Sound judgment in ambiguous, high-stakes technical problems
- Ability to apply AI responsibly to engineering work, including security, data integrity, model governance, and cost considerations
- Ability to mentor senior engineers and build alignment through influence
- Experience in financial services, lending, or another regulated domain
- Experience building graph-based, workflow, or rules-engine orchestration platforms
LendingClub Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about LendingClub and has not been reviewed or approved by LendingClub.
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Parental & Family Support — Policies include up to 16 weeks of paid leave for new parents and a fully paid, phased return-to-work, with dedicated mothers’ rooms in offices. These features position family support as a notable strength.
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Healthcare Strength — Health coverage spans medical, dental, vision, disability, and mental health support, complemented by HSA/FSA options. A wellness program with cash incentives and other leading offerings enhance overall medical and wellbeing support.
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Strong & Reliable Incentives — Incentive structures include commonly awarded annual bonuses and performance bonuses. Equity participation via an employee stock purchase plan further augments total rewards.
LendingClub Insights
What We Do
LendingClub Corporation (NYSE: LC) is the parent company of LendingClub Bank, National Association, Member FDIC. It is the only digital marketplace bank, and the first public U.S. neobank. Members can gain access to a broad range of financial products and services through a technology-driven platform, designed to help them pay less when borrowing and earn more when saving. Since 2007, more than 3 million members have joined the Club to help reach their financial goals.
