Lead Engineer - Payments Platform

About the role

Lead Engineer - Payments Platform at Lumion, a full-time, in-person position in South Jordan, Utah. You will lead the engineering team responsible for Lumion’s payments platform, owning systems behind payment plans, ledgers, allocation, interest accrual, taxes, fees, refunds, chargebacks, ACH returns, settlements, reconciliation, and payoff calculations. You will work closely with servicing to improve collection performance and guide product direction, combining leadership with hands‑on programming. The platform currently uses PHP and Laravel, with integrations to Finix, Payabli, Stripe, and Plaid, and employs tools such as Codex, Claude Code, and Gemini.

Responsibilities

• Ensure financial integrity of the platform: ledgers and auditable transaction histories, allocation across principal, interest, fees, taxes, and other obligations, interest accrual, payment schedules, balances, payoff calculations, refunds, chargebacks, disputes, ACH returns, settlement and reconciliation, payment‑facilitator integrations and webhooks, idempotency, exception handling, operational tooling.
• Partner with servicing team to improve collection performance: improve workflows for failed payments, delinquent accounts, payment‑plan changes, borrower communication; turn recurring servicing problems into durable product improvements.
• Own product direction and revenue growth: use product data, servicing feedback, collection performance, and customer needs to identify opportunities, decide what to build, lead implementation, and measure outcomes such as higher successful‑payment rates, more reliable tuition collection, revenue recovered, increased adoption of revenue‑producing products, new payments capabilities that generate revenue, reduced financial leakage.
• Provide engineering leadership: lead a team of experienced engineers, set technical standards, make decisions, remove obstacles, own outcomes, evaluate candidates, make hiring decisions, coach engineers.

Requirements

• At least eight years of professional experience building and shipping production software.
• Deep programming experience in any modern language (PHP, Java, C#, Python, Ruby, Go, TypeScript, etc.); ability to learn unfamiliar stacks.
• Real payments or financial‑systems experience: built or owned production systems involving money movement and financial recordkeeping; understand ledgers, reconciliation, settlement, idempotency, payment allocation, refunds, chargebacks, returns.
• Proven engineering leadership: led experienced engineers, accountable for team’s technical outcomes, set direction, maintain standards, make difficult decisions, coach people, evaluate talent, communicate risk.
• Hands‑on technical depth: able to inspect code, reason about data models, review architecture, diagnose production problems, contribute directly when needed.
• Product and commercial judgment: understand how engineering decisions affect customer behavior, collection performance, product adoption, revenue; identify opportunities, form hypotheses, prioritize work, lead implementation, evaluate results.
• Strong cross‑functional partnership: work effectively with servicing, collections, compliance, finance, product, support, and company leadership; listen to operators and turn knowledge into better product decisions.

Benefits

• Unlimited PTO
• 401(k)
• Health, dental, and vision coverage with employer contribution up to $537.50 per month
• $200 monthly technology stipend
• $100 monthly wellness stipend

Pay

$110,000–$145,000 base salary, equity, quarterly performance bonuses

Schedule

Full-time, in-person work in South Jordan, Utah