Principal Software Engineer (APIs)

Principal Software Engineer

If you are looking for a game-changing career, working for one of the world's leading financial institutions, you've come to the right place.

As a Principal Software Engineer at JPMorganChase within the Home Lending - Originations group, you provide expertise and engineering excellence as an integral part of an agile team to enhance, build, and deliver trusted market-leading technology products in a secure, stable, and scalable way. Leverage your advanced technical capabilities and collaborate with colleagues across the organization to drive best-in-class outcomes across various technologies to support one or more of the firm's portfolios.

Job responsibilities

• Own the design integration and API strategy (REST/GraphQL/gRPC, event-driven) with clear versioning, security, and lifecycle standards.
• Define reusable integration patterns and canonical data contracts aligned to MISMO to ensure consistency and reuse.
• Lead design reviews and maintain reference architectures and ADRs across domains, guiding strategic design decisions.
• Ensure designs meet non-functional requirements for security, resiliency, performance, scalability, cost, and operability.
• Design and oversee Encompass LOS integrations and customizations using Developer Connect, SDK, and plugins.
• Orchestrate Encompass data flows with pricing engines, DU/LP, credit, appraisal, title, eClose, CRM, and document systems.
• Drive platform capabilities for API gateways, event streaming, identity/authorization, webhook integration etc
• Establish SLIs/SLOs, resiliency patterns, and telemetry standards to improve reliability and reduce MTTR.
• Mentor engineers and product partners on strategic design, integration best practices, and platform-thinking.
• Design and ideate PoCs experiment and enforce governance for schema versioning, backward compatibility, and data lineage.

Required qualifications, capabilities, and skills

• Formal training or certification on software engineering concepts and 10+ years applied experience
• Deep expertise designing and governing REST/GraphQL/gRPC APIs and event-driven architectures at enterprise scale.
• Hands-on Encompass LOS experience including Developer Connect APIs, SDK/plugins, business rules, and pipeline automation.
• Strong mortgage domain knowledge including MISMO 3.4+, UCD, HMDA, DU/LP workflows, and TRID/RESPA impacts
• Proficiency with Kafka or equivalent streaming platforms and robust messaging patterns with DLQs and idempotency.
• Excellent communication and mentoring skills with a BS in CS or related field
• Experience in Computer Science, Computer Engineering, Mathematics, or a related technical field

About Us

Chase is a leading financial services firm, helping nearly half of America's households and small businesses achieve their financial goals through a broad range of financial products. Our mission is to create engaged, lifelong relationships and put our customers at the heart of everything we do. We also help small businesses, nonprofits and cities grow, delivering solutions to solve all their financial needs.

We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.

We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.

Equal Opportunity Employer/Disability/Veterans

About the Team

Our Consumer & Community Banking division serves our Chase customers through a range of financial services, including personal banking, credit cards, mortgages, auto financing, investment advice, small business loans and payment processing. We're proud to lead the U.S. in credit card sales and deposit growth and have the most-used digital solutions – all while ranking first in customer satisfaction.