Oportun. Inc

Sr. Software Engineer - Risk

Req No.
Regular Full-Time
Remote / WFH
Job Locations
US-CA-San Carlos

Company Overview



Based in Silicon Valley, Oportun (Nasdaq:OPRT) is dedicated to financial inclusion for the estimated 100 million people in the U.S. who are shut out of the financial mainstream because they don’t have a credit score or have been mis-scored by a traditional credit bureau. As a Community Development Financial Institution (CDFI), Oportun’s mission is to provide inclusive, affordable financial services that empower its customers to build a better future. 


Since our first loan in 2006, Oportun has made over 3.8 million loans totaling over $9 billion to customers across 12 states. Oportun’s customers have saved an estimated $1.7 billion in interest and fees compared to the alternatives typically available to them. Oportun has helped more than 860,000 people establish a credit history for the first time. 


Oportun was named one of Fast Company’s Most Innovative Companies in the World for 2020, a TIME Magazine 2018 Genius Company in recognition of its impact in helping to reinvent the future of lending. Oportun was recently named one of the Top Workplaces for 2019 and 2020 by the Bay Area News Group and recognized as the Best Consumer Lending Product by FinTech Breakthrough. Oportun previously made several fastest-growing lists, including Inc. 5000’s Fastest-Growing Private Companies in America and the San Francisco Business Times’ Fastest Growing Private Companies. 


Department Overview



The Technology team @ Oportun is dedicated to delivering and maintaining performant, elegant, and intuitive systems to our business partners and retail customers.  We provide the platform, technology services, and interfaces that have enabled Oportun to serve over 1.1M customers with over $5 billion in life-changing, responsible loans disbursed.

We work on a very unique platform, combining service-oriented platform services with sophisticated user experiences, all enabled through a best-in-class (and fun to use!) automated development infrastructure.  We prove that FinTech is more fun, more challenging, and in our case, more rewarding as we build technology that changes our customers’ lives.  At the corporate level, Oportun delivers a very supportive and welcoming service experience, with bilingual staff across channels, and operates more than 300 locations in CA, IL, AZ, FL, NM, TX, UT & NV, with mobile services available in MO, ID, NJ & WI.




Oportun is looking for an experienced and motivated Senior Software Engineer to join the Risk/Fraud engineering team. The Risk/Fraud engineering team is responsible for developing our Risk and Fraud engine that screens applications for fraud and evaluates our applicants credit worthiness to determine if they qualify for a loan.   Unlike traditional lenders, our Risk and Fraud engine contains proprietary models that are data-driven from multiple sources and apply machine learning techniques to score our applicants effectively.   We feel that this innovative approach better serves our target market and allows for us to quickly adapt as we collect more data from our applicants to achieve our mission.   If you find any of this of interest, I suggest you consider applying.



  • Responsible for creating innovative solutions that meet not only functional, but also performance, scalability and reliability requirements.
  • Responsible for decision-oriented tooling and UX.
  • Highly motivated self-starter who loves ownership and responsibility while working in a collaborative and interdependent team environment.
  • Work with multiple teams of engineers to develop and test major software and systems components using an agile, vertical-slice based methodology.
  • Work with QA to ensure product meets high quality standards.


  • 5+ years’ experience in core JAVA technologies including: Spring Framework, Hibernate, and Enterprise Integration Patterns.
  • 1+ years’ UX development using Angular
  • 2+ years’ experience with relational DBs like MySQL and NoSQL Database like MongoDB
  • 1+ years’ experience working with Cloud providers such as AWS, Google, or Azure
  • Experieince developing rules in BRMS (Business Rules Management System)
  • Experience working with version control using GIT/BitBucket.
  • Experience in the design of new systems or the redesign of existing systems to meet business requirements, changing needs, or newer technology.
  • The ability to work with and mentor other software engineers.

Preferred Skills:

  • Experience with Drools
  • Experience with statistical models for Risk such as linear regression
  • Experience with Groovy
  • Experience with Search technologies like Solr/Lucene
  • Experience in financial services
  • B.S. in Computer Science, Mathematics or a related field





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