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Job description
Point Predictive is redefining fraud detection and risk decisioning for lenders through large-scale consortium data, machine learning, and real-time systems. We are seeking a Senior Software Engineer to help design, build, and maintain the production platforms behind our core products, including real-time APIs, data ingestion, and decisioning systems that operate at scale across financial institutions.
In this role you'll work closely with engineering peers, Data Science, and Product to ensure that models, data, and customer-facing systems are seamlessly integrated and production-ready. The ideal candidate brings strong technical depth and execution rigor — a hands-on engineer who takes ownership of the systems they build, raises the bar on quality, and leverages modern AI tools to improve engineering velocity and reliability.
Responsibilities
Design, build, and maintain APIs and real-time decisioning systems, taking ownership of the reliability and production outcomes of the components you work on
Contribute to front-end design and development to support web-based products
Support the QA team through improvements to release practices, including automated testing, regression coverage, and safe deployment techniques (e.g., shadow mode, canary releases)
Set a high bar for code quality and accountability, and share knowledge with peers through code review and technical guidance
Implement real-time monitoring, alerting, and observability across the stack to proactively detect and resolve issues before customer impact
Contribute to architecture decisions across backend and frontend systems, ensuring scalability, performance, and a consistent user experience
Bring a focus to maintaining and improving API response times.
Partner closely with Data Science to productionize machine learning models in real-time systems
Support live resolution of critical production issues
Follow and help improve strong engineering practices across CI/CD, incident response, and operational excellence
Leverage modern AI-assisted development tools (e.g., Claude Code) to improve your productivity, testing rigor, and overall engineering quality
Collaborate with Product and Customer teams to smoothly configure and implement new customer integrations with Point Predictive products.
Ensure the systems you build meet security, compliance, and data governance requirements in a regulated financial environment
Qualifications
5–8+ years of software engineering experience building and delivering production systems
Proven ability to deliver reliable systems at scale and drive work to completion with strong execution
Strong experience with distributed systems and full-stack development (APIs, backend, and UI)
Experience building and scaling systems in cloud environments (AWS preferred)
Hands-on engineering approach, with the ability to dig into architecture, debugging, and critical system decisions
Experience in high-growth or scaling environments, building systems through change
Solid experience with QA, release processes, and progressive deployment strategies (e.g., shadow mode, canary releases)
Experience with monitoring, alerting, and observability across distributed systems
Experience partnering with data science teams to productionize machine learning models
Comfort leveraging AI-assisted / agentic development tools to improve engineering productivity and reduce errors
Strong communication skills and the ability to collaborate effectively with cross-functional partners
Experience in financial services, lending, or fraud detection is a plus
What Success Looks Like
Consistent, reliable delivery of your work with minimal production issues
Predictable, low-risk releases supported by strong testing and pre-production validation
Issues identified and resolved proactively through monitoring and alerting
APIs, UI, and decisioning systems that operate as a cohesive, high-performing platform
Data science models seamlessly integrated into production
AI tools applied to improve your speed and reduce errors
Clear ownership, accountability, and strong cross-functional partnership
Why This Role
Build and own meaningful parts of the engineering backbone of a company delivering real-time fraud and risk decisions
High-impact role with direct, visible influence on product performance and customer outcomes
Deep, hands-on technical work on real-time systems at scale during a critical growth phase
Work closely with engineering and data science leaders to shape technical direction
Education
Bachelor\'s or Master\'s (Preferred)
Pay: $150,000.00 - $170,000.00 per year
401(k)
AD&D insurance
Dependent health insurance coverage
Flexible spending account
Health insurance
Life insurance
Paid holidays
Paid time off
Vision insurance
Application Question(s):
This is an in-person role. Will you commute to the office every day?
Our core values are 1) Be the Expert, 2) Get it Done, and 3) Pitch in. Describe in detail how you have embodied these values in the past and describe how you will continue to honor them in the future.
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Worksite address
san diego, CA, 92189, US
Who can apply
Review the original listing for work authorization, qualifications and employer requirements.