We believe in the importance of in-office collaboration and fully intend for the selected candidate for this role to work on site in the specified location(s).  This role is expected to be in the office 4 days a week.

We are seeking a Senior Software Engineering Lead to play a pivotal role in building and evolving the technology that powers Charles Schwab Bank’s Lending platforms, spanning Home Mortgages and SecuritiesBased Lending, including our flagship Pledged Asset Line (PAL) product.

In this role, you will operate as a technical leader who is both deeply handson and strategically mindedowning the design and delivery of largescale initiatives while serving as a key contributor to solution architecture for new capabilities and critical roadmap enhancements. You will immerse yourself in our Java / Spring Boot ecosystem, applying modern engineering practices and tools (including GitHub Copilot) to build highquality, scalable, and resilient software solutions.

Our Bank Technology Lending organization supports complex, businesscritical integrations across SaaS providers, internal platforms, and core lending systems of record, enabling endtoend Loan Origination and Servicing experiences. As a senior technical leader, you will influence system design across domains, guide implementation decisions, and help ensure our platforms remain secure, extensible, and wellpositioned for future growth. In addition to core technical leadership, this role is expected to push the envelope on how AIassisted development and emerging AI capabilities are thoughtfully applied within our engineering practices.

While our AI adoption is still evolving, we are looking for an engineer who is both curious and groundedsomeone who will experiment responsibly, evaluate realworld applicability, and help stablish practical standards for how AI can improve developer productivity, solution design, and system quality within a regulated banking environment.

You will partner closely with product owners, architects, and engineering peers to translate business strategy into technical solutionsmentoring engineers, shaping standards, and leading delivery across highimpact initiatives that provide liquidity to clients across a diverse range of asset classes held at Schwab.

If you are motivated by owning complex technical problems, influencing architecture at scale, and serving as a technical standardbearer within a collaborative financial services environment, this role offers the opportunity to make a lasting impact while continuing to grow your career as a senior individual contributor.

Responsibilities include:

• Provide technical leadership and handson delivery for large, crosscutting initiatives across Schwab Bank Lending platforms, including nextgeneration capabilities such as cryptobased lending, lending against alternative investments (nonmarginable collateral), and multicore backend architectures.
• Own solution design and architectural decisions for complex, multisystem workflows spanning loan origination, servicing, and downstream integrationsensuring solutions are scalable, secure, resilient, and aligned with longterm platform strategy.
• Partner with product, architecture, and business stakeholders to translate roadmap initiatives and regulatory considerations into pragmatic technical approaches; influence scope, sequencing, and design tradeoffs to maximize business and technical outcomes.
• Act as a technical standardbearer within the organizationestablishing patterns, best practices, and guardrails across code, integration, testing, and system design while mentoring engineers through influence rather than direct authority.
• Lead engineering execution across teams, guiding technical direction, reviewing designs and implementations, and unblocking complex delivery challenges while remaining deeply engaged in critical code paths.
• Champion thoughtful use of AIassisted development practices, helping explore and evaluate how emerging AI capabilities can improve productivity, solution quality, and design effectivenesswhile setting practical, responsible standards appropriate for a regulated financial environment.
• Drive engineering excellence and operational rigor, including automated testing, reliability, security, and production readiness; proactively identify architectural or systemic risks and lead mitigation efforts before client impact occurs.
• Support and evolve production systems, participating in complex issue triage and rootcause analysis while using those insights to inform architectural improvements and longterm resiliency.

To ensure that we fulfill our promise of challenging the status quo, this role has specific qualifications that successful candidates should have:

Required Qualifications:

• Bachelors or Masters degree in Computer Science, Information Technology, or a related field, or equivalent practical experience demonstrating deep technical leadership and system design expertise.
• 10+ years of experience designing, developing, and delivering largescale, distributed software systems, with deep handson expertise in Java, Spring, and Spring Boot, including RESTbased APIs supporting highvolume, highavailability transactional environments.
• Demonstrated experience leading solution design and architectural decisions for complex, multisystem initiativestranslating ambiguous business and regulatory requirements into scalable, resilient, and secure technical solutions.
• 8+ years of experience working with cloudnative architectures, including containerized microservices, service orchestration, and distributed system integration in public or hybrid cloud environments.
• 8+ years of experience building and evolving CI/CD pipelines and deployment automation, using tools such as GitHub, GitLab, Bamboo, or equivalent, with a focus on reliability, repeatability, and operational rigor.
• Strong experience designing and enforcing automated testing strategies (unit, integration, and acceptance testing), balancing speed of delivery with longterm system quality and maintainability.
• Proven experience working with distributed and relational data stores such as MongoDB, PostgreSQL/DB2, Aerospike, or similar technologies in complex transactional systems.
• Experience designing and operating eventdriven and messagingbased architectures, using technologies such as Kafka, RabbitMQ, or equivalent, particularly in lowlatency or highthroughput environments.
• Demonstrated experience implementing authentication and authorization mechanisms using industry standards such as OAuth, SAML, or related security frameworks.

Preferred Qualifications:

• Experience designing or supporting banking or movemoney platforms, particularly within regulated financial services environments involving credit, risk, and client asset visibility.
• Prior experience with SecurityBased Lending, margin lending, or other assetbacked credit products where loan value, availability, or exposure is dynamically influenced by collateral valuation, eligibility, and concentration.
• Familiarity with lending models tied to marketdriven or realtime valuation of collateral, including the downstream technical implications for risk controls, monitoring, and system resiliency.
• Exposure to nontraditional or alternative collateral types, such as restricted securities, alternative investments, digital assets, or other nonmarginable asset classes.
• Experience working across multiple systems of record or core platforms, particularly in environments where credit decisions, valuation, and servicing span heterogeneous backends.
• Domain experience collaborating with or supporting credit risk, treasury, operations, or regulatory partners, translating complex financial concepts into durable technical solutions.
• Prior involvement in platform modernization or firstofkind initiatives within banking or capital markets, where underlying assumptions, controls, or product models were evolving.
• Exposure to digital asset platforms, cryptorelated systems, or distributed ledgeradjacent technologies, particularly as they relate to custody, valuation, or client asset representation.
• Experience applying AIassisted development techniques beyond basic code generationsuch as design exploration, test generation, or developer workflow optimizationwhile operating within regulated environments

In addition to the salary range, this role is also eligible for bonus or incentive opportunities