Senior Software Engineer

Kiavi is one of the nation’s largest private lenders to residential real estate investors (REIs). We harness the power of data & technology to offer our customers a simpler, more reliable, and faster way to access the capital they need to scale their businesses. 

Formerly known as LendingHome, we’re committed to helping REIs revitalize the approximately $25 trillion worth of aged U.S. housing stock to provide move-in ready homes and rental housing for millions of Americans across the country.

Combining our technology and industry expertise, Kiavi has grown to a team of over 400 and has won many awards over the years including Forbes Fintech 50, Finovate Awards, Best Digital Mortgage Platform, Fast Company’s Most Innovative Companies, and many more. 

• Loans Funded: $22 billion in loans funded 
• Homes financed: 71,000+ projects funded for our customers across the country
• Geography: 31 states + D.C. where we lend to REIs so they can revitalize neighborhoods
• Employees: Over 400 employees with competitive benefits and perks

This position can be based remotely in any of our approved hiring regions. Our hybrid distributed workforce philosophy allows us to find the best talent in the country and build diverse teams, while allowing our colleagues to work from the location that works best for them. For those who prefer to work in-office, we have locations in San Francisco and Pittsburgh. We also plan to use these spaces to bring together teammates to drive creativity and innovation.

Your day to day

• Engineer: Architect and own large parts of our complex loan origination platform and associated web applications.
• Maintain a high quality bar: Champion code quality through peer-reviewed designs and code, focusing on test automation using unit, integration and end-to-end testing.
• Reduce Technical Debt: We allocate a certain percentage of each team’s time to tackling engineering initiatives focused on reducing tech debt. Every engineer contributes to these initiatives.
• Execute: Focus on delivering high impact initiatives that provide value to the customer on a daily basis.
  • Collaborate: Work closely with our design and product teams as well as with our business stakeholders to build the right solutions for our customers.
• Customer-first: Ensure that our customers are successful and happy.
• Define Technical Strategy: You’ll own technical strategy for broad or complex requirements and come up with insightful and forward-looking approaches that go beyond the direct team and solve large open-ended problems.

Who we’re looking for
We are looking for frontend, backend and full stack engineers. It all depends on where you can have the most impact. The product-oriented teams are cross-functional and are able to work quickly without taking dependencies in order to deliver the most impact in the shortest amount of time. These cross-functional teams operate like small independent business units with their own goals that align with the company goals.

• Experience: You are a proficient software engineer with 5+ years of professional experience.
• Product focused: You take pride in building high-quality, user-friendly products.
• Problem solver: You excel at understanding and breaking down complex problems. You pay attention to detail.
• Great communicator: You are candid and honest. You can adapt your communication style to different audiences and you can effectively communicate in writing and in person or on a video call.
• Self-driven: You make things happen. You show a strong desire to succeed and are looking for opportunities to learn and grow.
• Productive/Impact-oriented: You are able to get a lot done quickly. You are willing to introduce new processes and technologies to the team that will improve productivity across the whole engineering team.
• Leadership: You show the ability to grow into a company leader. You will work with other leaders across the company to build company culture and to help shape the company’s future.

Nice to have

• Programming Languages: Ruby, JavaScript, TypeScript and Kotlin although we are generally language agnostic. We expect that if you’ve learned more than one programming language you can learn ours.
• Frontend Frameworks: React and GraphQL
• Backend Frameworks: Rails, Node.js, Kafka
• Databases: Postgres, Redis
• Service Oriented Architecture: We are shifting from being a monolithic Rails application to a distributed set of services. Experience having done this in the past is super useful to us.
• AppSec: We handle customer’s private information and we move billions of dollars around. Having experience with application security is important to us.

Kiavi takes a market-based approach to pay, and pay may vary depending on your location. Work locations are categorized into one of three tiers based on cost of labor for that geographic area. These ranges may be modified in the future.

Tier A - $149,700 - $224,500 + benefits

Tier B - $142,200 - $213,400 + benefits

Tier C - $134,700 - $202,100 + benefits

To find a location’s tier, please refer to https://kiavi.com/compensation. The range displayed on each job posting reflects the minimum and maximum target for new hire salaries. Within the range, the successful candidate’s starting pay will be determined based on job-related skills, experience, qualifications, work location, and market conditions. Your recruiter can share more about the specific base pay range for your preferred location during the hiring process. Please note that the pay range listed above reflects the base salary only, and does not include the target value benefits.

Benefits and Perks 

• Medical, Dental, and Vision Insurance: Kiavi offers free employee-only coverage for medical, dental, and vision plans. Dependents receive a heavily discounted premium, competitively placed in the 90th percentile for cost.
• Health Savings Account (HSA): For those enrolled in a High Deductible Health Plan (HDHP), Kiavi provides an annual employer contribution to HSAs: $500 for individual coverage and $1,000 for dependents.
• Disability and Life Insurance: Immediate access to short-term and long-term disability insurance, as well as group life and AD&D insurance, with coverage at 1x annual salary.
• Remote Work Policy: Kiavi supports working remotely for day to day activities for most roles and occasionally may ask employees to gather in person for key meetings, trainings, team building etc. For remote workers, Kiavi offers a one-time office setup reimbursement of up to $500 and a monthly $75 stipend for internet and phone expenses. For in-office workers, Kiavi offers employer contributions to commuter benefits account, either for parking or public transportation.
• Flexible Time Off: Employees are empowered to manage their own time off, with no strict limits, as long as it's approved by their manager.
• Paid Leaves: Up to 8 weeks of paid leave for medical or caregiver purposes, and 12 weeks of paid maternity/paternity leave. Short-term disability leave is also available for birthing mothers.
• 401(k) & Company Match: A 401(k) plan managed by Fidelity, with Kiavi matching 100% of contributions up to 3% of compensation or $4,000 (whichever is less). All employer contributions are immediately vested.
• Product Ownership: All employees think like an owner because all employees play a critical role in making our business great. Many roles are eligible for stock option grants.

Kiavi in the News:

• Comment start HousingWire: 2023 HW Tech100 Winner: Kiavi 
• PropTech Connect: Kiavi Closes $209M To Grow Its Funding Capacity 
• CrowdFund Insider: Kiavi Closes $158M Revolving Securitization of Residential Transition Loans 
• Mortgage Professional America: Real investors’ lender Kiavi achieves milestone  
• Inc Magazine: 2022 Best Places to Work: Kiavi  

If you'd like to see more about what Kiavi has to offer or explore additional opportunities, visit our careers page. Kiavi is an Equal Opportunity Employer
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