{"id":453677,"url":"https://alion.io/job/theguarantors-software-engineer-risk-solutions","title":"Software Engineer - Risk Solutions","company":{"id":174606,"name":"TheGuarantors","domain":"theguarantors.com","url":"https://alion.io/company/theguarantors","size_band":"201-500","is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Rippling","truth_index":{"grade":"A","score":100,"open_postings":10,"ghost_share":0,"stale_share":0,"repost_share":0,"time_to_fill_p50_days":56,"computed_at":"2026-10-29T05:49:05Z"}},"role":"Backend","role_family":"Backend","seniority":"senior","employment_type":"full_time","work_mode":"on_site","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["New York, United States"],"countries":["US"],"hiring_countries":[],"hiring_countries_total":0,"salary":{"min":170000,"max":205000,"currency":"USD","period":"year","gross":null,"usd_annual":205000},"salary_estimate":null,"experience_years_min":5,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[{"name":"AWS","optional":false},{"name":"Azure","optional":false},{"name":"C#","optional":false},{"name":"GCP","optional":false},{"name":"Go","optional":false},{"name":"Java","optional":false},{"name":"Kubernetes","optional":false},{"name":"PostgreSQL","optional":false},{"name":"Python","optional":false},{"name":"SQL","optional":false},{"name":"Terraform","optional":false}],"status":"live","first_seen_at":"2026-08-13T10:42:58Z","employer_posted_date":"2026-08-13","last_verified_at":"2026-10-29T09:14:46Z","board_verified":true,"closed_at":null,"days_open":77,"trust":{"level":"ok","repost_count":0,"flags":["company_stale"],"days_open":76},"description":"TheGuarantors is a fintech company helping multifamily owners and operators mitigate leasing risk while expanding access for renters. With a deep understanding of owner, operator, and renter needs, we believe renters deserve better access to the home of their choice and operators deserve greater protection and growth opportunities. That’s why we’re leveraging our real estate expertise and using AI-driven renter underwriting to help operators qualify renters faster while mitigating the financial risk of renter default. With $7B+ in lease value protected, we work with 9 of the country’s top 10 operators, are the #1 lease guarantee provider nationwide, and have consistently been named one of Inc. 5000’s fastest-growing companies, one of Forbes’ Best Startup Employers, and one of Deloitte’s Technology Fast 500\nThe Role\nThe Software Engineer - Risk Solutions owns TheGuarantors auto-underwriting and pricing infrastructure: the decisioning systems that determine applicant and outcomes, including Approve/Decline decisions and pricing. The team is responsible for the end-to-end underwriting decision path, from orchestrating external data integrations and evaluating risk rules to returning decisions and pricing applicants. Common work includes building new capabilities for Risk analysts, implementing underwriting rules, onboarding new data sources, and improving pricing effectiveness. This is a hands on role requiring coding 75% of the time and architecture design 25% of the time.\nLocation\nThis is a hybrid role based in NYC\nWhat You’ll Do\nOwn a slice of the underwriting and pricing platform end to end, from requirements through development, QA, and production.\nLead technical design discussions, evaluate tradeoffs, and write clean, maintainable code through a strong code review culture.\nBuild and extend the critical decisioning systems at the core of underwriting and pricing.\nPartner with Product, Design, Operations, Risk analysts, and Engineering to align on priorities and deliver high-impact solutions.\nCommunicate updates, risks, blockers, and recommendations clearly and proactively.\nIdentify opportunities to improve team processes, engineering output, and stakeholder/user experience.\nManage assigned work independently and follow through on commitments, deadlines, and deliverables.\nEnsure work is completed in accordance with applicable policies, procedures, standards, and regulatory requirements.\nPerform other role-related responsibilities as assigned and aligned with business needs.\nRequirements\n5+ years of experience building backend services with common systems languages such as Go, Java, Python, or C#. Go experience is not required, but must be open to learning and using it.\nProven ability to independently execute complex engineering projects from design through delivery.\nAdvanced SQL skills and experience with PostgreSQL or other relational databases.\nFamiliarity with modern web infrastructure and production operations, including caching, Kubernetes, API gateways, observability, and deployment patterns.\nStrong understanding of distributed systems and microservice architecture.\nExperience with cloud providers such as AWS, Azure, GCP, or OCI, and managing infrastructure using IaC tooling such as Terraform.\nDemonstrated ability to manage complex features end to end, partner with product and cross-functional stakeholders, and deliver high-quality work in a dynamic business environment.\nNice to Have\nExperience working in a workflow orchestration/ ML infrastructure environment.\nExperience working in a fast-paced, high-growth, cross-functional environment.\nBenefits\nOpportunities to make an impact within a fast growing company\nMedical, dental, & vision insurance, beginning day one\nHealth savings account with employer contribution\nGenerous PTO and paid holidays\nFlexible working hours\n401(k)\nPaid parental leave\nCompany sponsored short and long term disability\nFlexible spending accounts (healthcare, dependent care, commuter)\nCompetitive salary\nBase Salary\nThis is an individual contributor role, internally leveled as IC4.\nThe annual U.S. base salary range is$170,000-$205,000. Base salary does not include other forms of compensation or benefits. Individual pay is determined by work location, skills, experience, and other job-related factors, which will be discussed during the hiring process.\nStay in Touch\nDoes this role not quite match your skills, but you’re still interested in what we're doing? Stay In Touch and apply to our Dream Job to be one of the first to hear about future opportunities!\nTheGuarantors is an Equal Opportunity Employer. We celebrate diversity and are committed to an inclusive environment for all.","description_format":"text","description_chars":4688,"description_truncated":false,"requirements":{"experience_years_min":5,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":null,"security_clearance":false,"languages":[]},"benefits":["Flexible schedule","Growth opportunities","Parental leave","Vision insurance"],"hiring_locations":[],"hiring_excludes":[],"relocation_offered":false,"industries":["InsurTech"],"lifecycle":[{"event":"open","at":"2026-09-06T09:12:00Z"}],"visa":[{"country":"US","licensed_sponsor":true,"evidence":"H-1B filings in 12 months: 15 · green card filings: 3","filings_12m":15,"filings_prev_12m":9,"green_card_filings_12m":3,"median_offered_wage_usd":160833,"route":null,"cap_exempt":false,"checked_at":"2026-10-15T11:24:14+00:00","sources":["US Department of Labor: LCA disclosure data (H-1B, H-1B1, E-3)","US Department of Labor: PERM disclosure data (green cards)"],"filings_for_role_12m":7}],"liveness":{"score":33,"band":"fade","label":"Fading","p_open":1,"p_active":0.743,"p_room":0.44,"age_days":76,"expected_fill_days":56,"reasons":["conf:0","win:tail","crowd:"],"computed_at":"2026-10-29T05:49:05Z"},"pay":{"stated_usd_annual":205000,"is_top_pay":true},"html_url":"https://alion.io/job/theguarantors-software-engineer-risk-solutions","json_url":"https://alion.io/job/theguarantors-software-engineer-risk-solutions.json","meta":{"generated_at":"2026-10-29T11:45:46Z","cache_seconds":300,"methodology":"https://alion.io/methodology","terms":"https://alion.io/terms","contact":"https://alion.io/contact","api":"https://alion.io/developers","about":"Alion is a live layer of people, companies and AI agents: who they are, whether they are real and active right now, what they do and how to work with them, readable by people and by agents and paid per call.","catalog":"https://alion.io/catalog.json","usage":{"tier":"crawler_verified","counted_by":"address","units_charged":1,"used_today":17783,"day_limit":null,"remaining_today":null,"minute_limit":300,"resets_at":"2026-10-30T00:00:00Z"}},"offers":[{"id":"company.slices","title":"One company in depth, by slice","status":"live","price":{"credits":0.02,"usd":0.002,"plus_per_slice":{"credits":0.05,"usd":0.005}},"unit":"per company, plus each slice with data","note":"the employer in depth","call":{"mcp_tool":"get_company","arguments":{"id":174606},"rest":"https://alion.io/mcp/rest/get_company?id=174606"},"human":"https://alion.io/catalog?offer=company.slices&for=job%2Ftheguarantors-software-engineer-risk-solutions"},{"id":"market.stats","title":"A market slice: pay, demand and time to fill","status":"live","price":{"credits":1,"usd":0.1},"unit":"per slice","note":"pay, demand and time to fill for this role and place","call":{"mcp_tool":"market_stats"},"human":"https://alion.io/catalog?offer=market.stats&for=job%2Ftheguarantors-software-engineer-risk-solutions"},{"id":"job.search","title":"Open jobs by role, technology, place, pay and visa","status":"live","price":{"credits":0.02,"usd":0.002},"unit":"per posting in a list","note":"similar open postings","call":{"mcp_tool":"search_jobs"},"human":"https://alion.io/catalog?offer=job.search&for=job%2Ftheguarantors-software-engineer-risk-solutions"},{"id":"company.verify","title":"Is this company real and active right now","status":"pilot","price":null,"unit":"per company","request":{"url":"https://alion.io/catalog/request","method":"POST","body":"{\"offer\": \"company.verify\", \"for\": \"job/theguarantors-software-engineer-risk-solutions\", \"note\": \"what you need it for\"}"},"human":"https://alion.io/catalog?offer=company.verify&for=job%2Ftheguarantors-software-engineer-risk-solutions"}],"agent":{"mcp":"https://alion.io/mcp/jobs","mcp_open":"https://alion.io/mcp/open","next":[{"tool":"get_job","arguments":{"id":453677}},{"tool":"search_jobs","arguments":{"company":"theguarantors.com","detail":"compact"}},{"tool":"match_people","arguments":{"job_id":453677},"note":"people open to offers who fit this vacancy"}],"note":"The same data through MCP tools: https://alion.io/mcp/open needs no sign-in (compact searches, postings, people); https://alion.io/mcp with an Alion account has everything. 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