Senior Backend Engineer (Remote Brazil) - We sit between borrowers, lenders, and the systems that move money Encompass, credit bureaus, AVM vendors, pricing engines, payroll, and banking infrastructure. We treat configuration as a product: one codebase across all clients, dynamic fields, function-based roles. Backend engineers here own real surface area. What You''ll DoDesign and build services that power loan origination workflows end-to-end from soft credit pull through pricing, underwriting automation, disclosure delivery, and offer acceptance. Own integrations with critical third-party systems (Encompass LOS, Plaid, Truework, Clear Capital, MeridianLink, OptimalBlue, Documenso, and more). We treat vendor APIs as a first-class engineering concern retries, idempotency, outage handling, and webhook reconciliation are part of the job. Architect multi-tenant, configuration-driven systems. Every feature should generalize across white-label clients without forking code. Build and operate background jobs and async pipelines (BullMQ) webhook processing, credit pulls, document generation, SLA monitoring. Set the standard on code quality, testing, and observability. Mentor mid-level engineers and contribute to architecture reviews. Partner with PM and AI teams on shipping AI-assisted features that require reliable, auditable data infrastructure underneath. What You Bring6 years building production backend systems in TypeScript/Node. Js. Deep experience with Node. Js: async patterns, event loop, performance considerations, runtime behavior. Strong relational or document database design we use MongoDB with Prisma; you should reason confidently about schema design, indexing, and consistency tradeoffs. Hands-on experience with async/queue-based architectures (BullMQ, SQS, Kafka, or equivalent). A track record of reliable third-party integrations: retry strategies, idempotency, vendor outage handling, webhook reconciliation. Comfort operating in compliance-sensitive environments (SOC 2, lending regulations, audit trails). You don''t need to be a TRID expert on day one but you ask /"what happens if this fails halfway through?/"Strong written communication for async collaboration across time zones (PRs, design docs, Linear tickets). Nice to HaveExperience with tRPC or similar typed API contract patterns. Prior work in mortgage, fintech, lending, or another regulated vertical. Encompass / ICE Mortgage Technology API experience. Experience with multi-tenant SaaS or white-label platforms. Familiarity with Next. Js (we use it for server-side API layers, not UI development in this role). Working knowledge of Redis, Zod, BullMQ, Prisma. Our Backend StackTypeScript · Node. Js · tRPC · Prisma · MongoDB · Redis · BullMQ · Zod · Docker · AWS S3 · Render · Datadog · Jest · GitHub Actions