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 500 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: $30 billion in loans funded
• Homes financed: 100,000+ projects funded for our customers across the country
• Geography: 49 states + D.C. where we lend to REIs so they can revitalize neighborhoods
• Employees: Over 500 employees with competitive benefits and perks

This position is based in San Francisco, CA. It is primarily remote with a preference to spend one day a week in office. 

Identity Verification Notice: To ensure the security and integrity of our hiring process, all candidates are required to complete a secure identity verification. This process uses biometric and device validation to confirm identity and liveness. All data is handled securely in accordance with our privacy policy.

Your day to day

• Engineer: Implement well-tested features in our web applications and back-end loan origination services.
• Maintain a high quality bar: Champion code quality with thorough PR review, focusing on test automation using unit, integration and end-to-end testing.
• Reduce Technical Debt: Identify and act on opportunities to improve the existing code base before accomplishing the task at hand.
• Execute: Focus on delivering high impact initiatives that provide value to the customer on a daily basis.
• Collaborate: Work in a highly collaborative environment both closely with other engineers,and with our design and product teams as well as with our business stakeholders to build the right solutions for our customers.
• Think Customer-first: Ensure that our customers are successful and happy.
• Define Technical Strategy: Build software consistent with the company’s technical strategy and architectural design. Contribute new ideas and improvements to the architecture.

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. We have both functional and cross-functional teams. 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 2+ years of professional experience and demonstrable areas of expertise.
• Team Player: You work in close collaboration with your teammates on a day-to-day basis, and with engineers on other teams when facing cross-cutting challenges. You are willing to ask for and give help.
• 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 understand product requirements and shape your work to achieve maximal impact. You use and improve on team processes and technologies and seek out and eliminate waste.
• Leadership: You show the ability to grow your leadership skills. You engage in peer-mentorship and focus on sharing your areas of expertise and strengths.

Nice to have

• Programming Languages: Ruby, JavaScript, TypeScript, and Kotlin are the languages we use most. We expect that if you’ve learned more than one programming language you can learn ours.
• Frontend Frameworks: React, GraphQL, Next.js
• 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.

We are hiring a Software Engineer for the following team: 

Back Office Experience Team (BOX):

The BOX team is the backbone of Kiavi’s financial integrity. We are the stewards of the loan from the moment it’s funded until the final payoff, ensuring every dollar moves with absolute precision. Our work is primarily focused on our internal power users, the folks who keep the lights on and the engines running. We tackle the high-stakes world of sensitive money movements, where being “detail-oriented” isn’t just a buzzword; it’s our fundamental requirement for maintaining trust and accuracy.
Because we oversee the entire breadth of the loan’s journey, we have a unique vantage point to identify where the gears of our financial machinery grind. We are currently tasked with evolving our servicing and money movement architecture, moving away from manual interventions toward automated, bulletproof systems. This involves deep dives into reconciliation logic, perfecting disbursement workflows, and ensuring our internal tools are as robust and sophisticated as the capital markets they support. If you find beauty in a perfectly balanced ledger and a flawlessly executed wire, you’ll fit right in.

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.

Region 1 (SF) - $128,000 - $192,000 + equity + 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: $1,000 for individual coverage and $2,000 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, training, team building etc. For remote workers, Kiavi offers a one-time office setup reimbursement of up to $500 and a monthly $85 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 $8,000 (whichever is less). All employer contributions are immediately vested.

Protect yourself from recruitment scams:

• If you are offered an interview or a role with Kiavi, this will be communicated with you through email, via an official email address ending in @kiavi.com or @lendinghome.com. 
• You will never be asked for payments of any kind during the process.
• We also never communicate with candidates via Whatsapp at any point during the recruitment process. 
• We won’t ask for personal information or data via text message. If you have any concerns regarding how genuine a text message is, please contact your recruiter.
• You can find our official Kiavi careers page here. We advise you to check that the page details and website addresses match if you have any concerns.

Kiavi is an Equal Opportunity Employer
San Francisco Fair Chance Ordinance Police Code, Article 49

We use E-Verify to confirm the identity and employment eligibility of all new hires.