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Lead Engineer - Payments Platform (Laravel)

Lumion · South Jordan, UT · 2 days ago
On-siteEngineering$10.7/hrFull-time

The Mission

Building the Operating System for Trade Schools
Lumion is the all-in-one operating system for trade and technical schools - the central platform powering the entire institution, from first lead to enrollment, tuition payments, compliance reporting, and alumni career tracking. Backed by TTV Capital and Tusk Venture Partners, we run an AI-first stack from the ground up. Payments are how the business breathes. Every tuition dollar collected is the American Dream, financed - and the machinery that moves that money has to be right, to the penny, every single time.

The Role

You will lead the Payments team, and Lumion will hold you accountable for one thing above all: that payments work - correctly, reliably, every single time. That is the spine of this job. Money comes in. Interest accrues. Tax is allocated. Payments split across dozens of periods. Chargebacks, refunds, and ACH returns unwind. Facilitators settle. When any of that is off - by a cent, by a day, by one misordered allocation bucket — a school loses income, overstates a tax remittance, or a borrower sees a payoff quote they can't trust. You are the person the company holds responsible for the payments platform functioning, and you carry that accountability without flinching.

What This Actually Is (An Honest Section)

This is not generic "payments processing." It's educational finance with real teeth, spanning several payment facilitators, each with its own quirks. A one-cent or one-day error here isn't cosmetic - it's a school's income, a tax filing, or a borrower's trust. To prove you have read this: tell us in your application what you would do with a golden banana. There are no wrong answers, except not answering.

What You'll Own

  • That payments work. End to end, correctly, every time — across every contract shape, every allocation path, every reversal, and every facilitator.
  • A big voice in product direction. You have real influence over the roadmap and priorities for payments — where it goes next and which bets are worth making. You shape and argue for that direction rather than waiting to be handed it, even when the final call is a shared one.
  • The full payments product - front end and money mechanics.
  • The Livewire/Filament product experience borrowers and school staff actually touch, and the money engine underneath it.
  • One person owns both, and the borrower-facing payment experience is yours to shape and reshape.
  • A team of senior engineers. You lead it, set its direction, hold its standard, unblock it, and own its outcomes - and you decide who joins it and grow it as the platform scales.
  • Payfac ownership. Multiple integrated payment facilitators kept correct and uninterrupted - webhooks, idempotency, capture/refund/chargeback semantics, settlement and split-transfer reconciliation, fees, and the migration passes vendor churn forces across live payment rows.
  • Reconciliation jobs and dead-letter handling so a payment is never marked "completed" before a chargeback lands.
  • Bugs, issues, and production support - end to end. When something in payments breaks, it's yours until it's right. When a ledger won't tie out, the buck stops with you.
  • Product planning and estimation. PRDs, scoping, and honest estimates - downstream of the product direction you set, not a substitute for it.

How We Work

We are high-velocity, AI-native, and honest about the hard parts. Agentic tooling is not a side experiment here - it's how we build, from scaffolding to reasoning about gnarly money-math edge cases to shipping, and we expect the same from you and the team you lead. We move fast, tell the truth about what's broken, and care deeply about the mission - because on the other side of every payoff quote is a real person building a real career.

Stack & Tooling

  • Backend: PHP 8.4+, Laravel 12+
  • Front end: Livewire, Filament
  • Data: MySQL, Redis
  • Testing: Pest PHP
  • AI tooling: Claude Code, Gemini, Codex, and the agentic workflow around them
  • FinTech tools: Plaid, Stripe, FinxPayabli

What We're Looking For

  • Fintech experience - required. You've built and owned real money-movement or payments systems in production, and you know exactly how much can go wrong - why reconciliation, idempotency, and settlement matter, because you've felt the consequences of getting them wrong.
  • A love of the nitty-gritty of numbers. This is the temperament that matters most. You cannot rest while a payoff is off by a cent, a fee fires twice, a servicing-fee formula diverges between capture paths, or a grace-period boundary is off by a day - you'll chase that penny until the ledger ties out and you can explain exactly why, and you'll enjoy it. If a discrepancy makes you itchy, you'll fit right in.
  • Deep Laravel and PHP expertise - hands-on and current, able to live in a large, gnarly codebase and hold a complex domain model in your head without flinching.
  • A leader, not a baby sitter. You lead a team of senior engineers through direction, clear decisions, high standards, and accountability - and you stay deep in the code and the numbers because you own the result.
  • Product instincts and ownership. You hold a point of view on where the payments product should go and drive it - not just implement someone else's spec.
  • Fluent across the stack. Real front-end/product fluency (Livewire/Filament) alongside backend money-mechanics depth, third-party API integration (facilitators, webhooks, reconciliation), and sound database-design judgment for financial data.
  • A daily AI-native workflow. You live in agentic tooling (Claude Code, Gemini, Codex) to plan, build, review, and ship.
  • A shipping mindset. You get correct, reliable software out the door - fast, without breaking the ledger.
  • 8+ years of relevant engineering experience, including leadership.

Why Join Lumion Now

  • Real impact, real people. You own the system that collects the tuition that finances the American Dream for students at 400+ career schools. The correctness of your code is the difference between a school thriving and a student losing trust.
  • Well-funded and proven. We raised a $10.7M seed round, backed by TTV Capital and Tusk Venture Partners: 400+ career schools, 150,000+ students, across 48 states and 29 industries, with 47% more completed applications, a 73.6% application-to-enrollment rate, 91% on-time tuition collection, and 21% higher retention.
  • Remote-US, timezone-aligned. Work from anywhere in the country, on a team that overlaps when it counts.
  • Compensation & Benefits
    • Compensation: 110,000–145,000 USD + Equity + Quarterly Performance Bonuses
    • Unlimited PTO
    • 401(k) Health / Dental / Vision — employer contribution up to $537.50/mo
    • $200/mo tech stipend
    • $100/mo wellness stipend
    • Equity in a well-funded, fast-growing company
    • Fully remote (USA), timezone-aligned

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