Lead Software Engineer

Who We Are

Finance leaders choose Billtrust to get paid faster, control costs, and maximize customer satisfaction. As the leader in B2B accounts receivable workflow and payment software, we provide the world’s leading brands with AI-powered solutions across the full AR lifecycle—from invoice presentment and payment processing to cash application and collections. With over 2,600 global customers, more than $1 trillion in invoice dollars processed, and a proprietary network of 13 million buyers, Billtrust delivers business value through deep industry expertise and a culture relentlessly focused on meaningful customer outcomes.

We’re an AI-first company, not just in what we build for our customers, but in how we work. Across every function, our teams use AI tools daily to work faster, make better decisions, and deliver higher-quality outcomes. We hire exceptional people, give them cutting-edge AI capabilities, and measure success by the impact they create. If you want to do the best work of your career at the frontier of AI and fintech, Billtrust is the place to do it.

Our Values

Customers

We relentlessly increase value for customer and do the right thing for them.

Action

We make ‘thoughtfully fast’ decisions, act quickly, cut through red tape, deliver progress not perfection, take ownership and accountability.

Team Spirit

We put the team ahead of ourselves, foster trust and respect, collaborate with passion, despise toxic politics, value our differences, and celebrate together.

Innovation

We challenge the status quo, experiment thoughtfully, and are novel and brilliant in what we create.

Excellence

We love to win, but we hate losing even more. We aspire to be the best and take pride in our work. When we fall short, we own it and come back stronger.

Job Summary

The Lead Software Engineer sets the technical direction for the Credit Application platform and drives the delivery of strategic, cross-cutting initiatives that span multiple pods and services. As the senior-most engineer in the Credit team, this position is accountable for architectural decisions, platform-level quality, and the technical health of the entire credit application ecosystem — spanning applicant and manager frontends, core services, async workers, and third-party integrations.
The Lead Software Engineer partners closely with Engineering Management, Technical PMs, and other Leads to shape the product roadmap, anticipate scaling challenges, and lead the team through architectural evolution. This position drives the team's adoption of AI-assisted development practices, mentors senior engineers, leads production incident response, and represents the Credit team in cross-functional architecture discussions.

Job Responsibilities

• Set and evolve the technical strategy for the Credit Application platform — including architectural patterns, technology choices, data model evolution, and vendor selection

• Lead delivery of cross-cutting initiatives that span multiple services and pods (e.g., migrations, platform-wide refactors, new vendor integrations)

• Partner with Engineering Management and Technical PMs to translate business priorities into a technical roadmap with realistic delivery timelines

• Own architectural decisions at the platform level — data placement (MongoDB vs MySQL vs SQL Server), service boundaries, async vs sync patterns, third-party integration strategy

• Lead production incident response for high-severity issues — drive root-cause analysis, coordinate cross-team response, and own post-mortems

• Drive the team's AI-assisted development practices — establish spec templates, prompt patterns, validation workflows, and quality gates that scale across the pod

• Mentor and grow senior engineers through architectural reviews, technical coaching, and 1:1 guidance on engineering judgment

• Lead the technical interview loop for senior and lead candidates; calibrate hiring bar across the team

• Represent the Credit team in cross-functional architecture forums, vendor discussions, and platform-level design reviews

• Manage technical debt strategically — balance feature velocity against platform health; prioritize and sequence refactor work

• Own vendor relationships for critical third-party integrations (DocuSign, Experian, CreditSafe, D&B) — including capacity planning, contract negotiations input, and escalation paths

• Design for scale and reliability — anticipate growth in tenant count, application volume, and integration throughput; identify and address bottlenecks proactively

• Champion observability and operational excellence — drive adoption of monitoring, alerting, logging, and SLO frameworks across the platform

• Support and maintain both UI and backend services within the Credit domain, leading by example

Qualifications

• Bachelor's degree in Computer Science (or equivalent experience), with strong fundamentals in distributed systems, data structures, and scalable software design

• 8+ years of relevant software engineering experience designing and implementing scalable, multi-tenant SaaS software, including at least 2 years in a technical leadership or senior architect role

• Proven track record of leading the design and delivery of complex, multi-service systems in a production B2B SaaS environment

• Deep expertise in Java (17+) and the Spring Boot ecosystem — Spring Data, Spring Security, async processing, JPA/Hibernate, observability

• Strong expertise in Angular (14+), NgRx state management, RxJS, TypeScript, and modern frontend architecture

• Strong expertise in designing and operating REST APIs at scale — versioning strategies, contract evolution, rate limiting, idempotency

• Deep understanding of both relational (MySQL) and document (MongoDB) databases — schema design, indexing, query optimization, multi-database transactional patterns, and data consistency trade-offs

• Demonstrated experience working with AI coding assistants (Claude Code, Windsurf, or similar) AND leading their adoption across a team

• Strong production incident leadership — proven ability to lead high-severity response, drive root-cause analysis, and translate lessons into systemic improvements

• Strong code review skills with the judgment to validate correctness, architectural alignment, and long-term maintainability in AI-generated and human-written code

• Well-honed skills in source control management using Git

• Exceptional communication and collaboration skills — ability to influence Engineering Management, Technical PMs, fellow Leads, and external vendor teams

• Demonstrated success mentoring senior engineers and leading technical hiring

Preferred

• Experience with spec-driven, agentic AI workflows at team or org scale — establishing prompt patterns, validation workflows, and quality gates

• Experience integrating with DocuSign eSignature APIs — envelope lifecycle, webhooks (DocuSign Connect with HMAC), template-driven composite flows, multi-recipient routing, and capacity planning under high envelope volume

• Experience integrating with multiple credit data providers (Experian, CreditSafe, Dun & Bradstreet, Equifax) — including composite scoring strategies and provider fallback patterns

• Experience designing event-driven, asynchronous architectures using AWS SQS, Lambda, or similar messaging systems — including idempotency, replay, dead-letter handling

• Experience with AWS (ECS, S3, RDS, SQS, Lambda, IAM, SSM Parameter Store, CloudWatch) and operational ownership of production workloads

• Experience with Infrastructure-as-Code at scale (Terraform / Terragrunt) — managing multiple environments, secrets, and IAM policies

• Experience with multi-database systems spanning MongoDB, MySQL, and SQL Server with cross-system data feeds and consistency challenges

• Knowledge of document/PDF generation pipelines (XSL-FO / Apache FOP) and signed-document workflows

• Understanding of internationalization (i18n) patterns for multi-locale SaaS platforms

• Experience leading platform migrations (e.g., source control migrations, framework upgrades, cloud provider migrations) with minimal team disruption

• Experience with Jenkins-based CI/CD pipelines, rolling ECS deployments, and zero-downtime release strategies

• Track record of driving adoption of new tools, practices, or architectural patterns across teams and getting cross-team buy-in

• Experience with vendor management — RFPs, contract reviews, capacity planning, escalation handling

• Experience with B2B credit, lending, or financial services domains — understanding of credit workflows, KYC, risk scoring, or related regulated workflows