Software Engineer Lead - Mortgage Platforms

Why USAA?

At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the #1 choice for the military community and their families.

Embrace a fulfilling career at USAA, where our core values – honesty, integrity, loyalty and service – define how we treat each other and our members. Be part of what truly makes us special and impactful.

We are proud to support active-duty military spouses. USAA roles may offer remote or hybrid flexibility for active-duty military spouses consistent with applicable policy and business needs.

The Opportunity

Help define the architecture behind a high-visibility mortgage transformation building USAA’s target-state lending ecosystem. Blend will serve as the member-facing Point of Sale, while Empower will manage loan origination through funding. As the Lead Software Engineer, you will operate at the release-train level, providing technical direction and guiding multiple Agile teams through solution design and implementation.

We are looking for a hands-on technical leader who puts membership and the mission first, builds trust through honest and transparent decision-making, and creates the conditions for teams to succeed. You will bring together diverse perspectives, partner with architects and engineers, and help build a scalable mortgage foundation that reflects USAA’s commitment to service, loyalty, honesty, and integrity.

We offer a flexible work environment that requires an individual to be in the office 4 days per week. This position can be based in one of the following locations: San Antonio, TX or Plano, TX. Relocation assistance is not available for this position.

What you'll do:

• Design, develop, code, and test complex tactical as well as strategic cross functional technical solutions, often collaborating with Engineers or Architects outside of team/department.
• Leads the team in in-depth code/design reviews and communicates updates and impacts to stakeholders to ensure smooth daily operations and accurate planning for multiple teams.
• Organize work and lead multiple teams to deliver features and solutions.
• Independently resolves complex production issues and leads troubleshooting of end-to-end solutions that span multiple applications and systems.
• Mentor and coach junior / experienced engineers, including coaching of design principles for their teams and others.
• Work with architecture to help define directions for cross functional or highly complex key and emerging technologies within a specific domain.
• May begin advancing professional development through active participation in industry organizations, writing programming publications, pursuing educational opportunities, establishing personal networks, and participating in professional societies.
• Leverages Site Reliability Engineering practices in their domain.
• Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

What you have:

• Bachelor's degree; OR 4 years of relevant education and/or experience.
• 8 years of software development experience demonstrating deep technical expertise in enterprise platform engineering and systems integration, including 2 years of demonstrated technical leadership providing solution direction, aligning implementation across multiple Agile teams, and driving complex enterprise technology initiatives.
• 6 years of experience delivering technology solutions in all phases of the software systems and application development lifecycle
• Engineering expert on either the Blend Point of Sale Platform or the Dark Matter Empower LOS Platform to include core installation experience, integration into a digital experience, vendor/batch management, customization strategies, ongoing maintenance/support, and end to end testing/quality assurance.
• Strong hands-on engineering experience across the full technology stack, including: Responsive Web UI applications, APIs and backend services, Event-driven and data integration platforms.
• Experience influencing technology integration, solution design, and modernization execution across multiple Agile Scrum teams.
• Experience designing, developing, and maintaining a complex software solution involving multiple stakeholders.
• Experience integrating AI capabilities into enterprise applications while maintaining security, compliance, scalability, observability, and operational support requirements. Familiarity with AI architecture patterns such as RAG, knowledge retrieval, vector search, AI agents, and model orchestration frameworks.

What sets you apart:

• Expertise in Golang, Java, Python, C++, or similar. Also, proficiency in multiple technologies and database platforms.
• Deep knowledge and understanding of Cloud based development tools and processes, preferably on AWS.
• Solid hands-on experience with Spring, Spring Boot, and RESTful web services.
• Deep understanding of microservices architecture and distributed systems.
• Proven experience in building real-time streaming applications with Apache Kafka.
• Strong experience in SQL (MySQL, PostgreSQL, or similar) and NoSQL databases (MongoDB, Cassandra, etc.).
• Strong understanding and application of TDD and BDD methodologies.
• Solid understanding of software design patterns and system architecture.
• Experience with version control (Git) and CI/CD practices.
• Proven experience in designing critical applications that interact with several other systems internally and externally.
• Deep knowledge and understanding of software development process in a distributed team environment.
• Advanced cloud or product certifications preferred.
• Experience developing applications that account for security, scalability, and performance.
• Experience with Control-M, batch process, data pipeline, data integration, Snowflake.
• Experience with data integration and automated data processing.

Compensation range: The salary range for this position is: $127,310.00 - 243,340.00.

USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.).

Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location.

Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.

The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job.

Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals.

For more details on our outstanding benefits, visit our benefits page on USAAjobs.com.

Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting.

USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.