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Vesta Innovations

Machine learning-based real-time payment risk assessment

Software Engineer - Backend

Full-TimeUpdated on 10/15/2026
$180k - $225k/yr
Mid
Remote in USA
RemoteTravel within the United States a few times per year for team offsites.
Software EngineeringBackend Engineering

About the job

Requirements
  • Experience building and operating production-grade distributed systems that support real product functionality at meaningful scale.
  • Strong backend engineering focus, with deep systems and backend expertise.
  • Hands-on experience working with multi-service architectures in a production environment.
  • Ownership of performance, reliability, and scalability work tied directly to product features, such as query optimization, indexing, and identifying and resolving system bottlenecks.
  • Fluency in using modern artificial intelligence tooling as part of the development workflow.
  • Proficiency in at least one strongly typed backend language, such as C#, Java, Kotlin, or Go.
  • Hands-on experience with relational databases, preferably PostgreSQL, including schema design and performance tuning.
  • Familiarity with cloud-based production environments, preferably AWS, and experience with technologies such as Kafka or Redis.
  • Strong systems design instincts and the ability to reason about scalability, performance, and reliability tradeoffs as product features evolve.
  • Comfort operating autonomously, owning backend responsibilities end-to-end while collaborating closely with full-stack engineers.
  • Willingness to travel a few times per year for team offsites within the United States.
Responsibilities
  • Partner closely with product and engineering teammates to design, build, and operate backend systems that support customer-facing features as they grow in complexity and usage.
  • Take ownership of the backend and systems aspects of product features from early design through production and scale, ensuring the product performs reliably as the business grows.
Desired Qualifications
  • Experience working in an early-stage startup environment where mission-critical work may occasionally require effort outside typical working hours.
  • Full-stack experience is welcome, while deep systems and backend expertise is essential.
  • AWS experience is preferred.

About the company

Vesta Innovations helps online businesses approve more legitimate transactions and reduce fraud through a real-time risk-scoring platform. The system analyzes each transaction with machine learning and data from over 20 years of prior transactions to assess risk, block fraudulent attempts, and minimize chargebacks. It charges a fee per processed and guaranteed transaction, so Vesta only earns when its clients succeed. This aligns Vesta’s incentives with its customers across industries like e-commerce, telecommunications, and financial services. The company’s goal is to increase clients’ revenue by safely expanding approved transactions while keeping fraud and chargebacks low.

Company Size

51-200

Company Stage

Series B

Total Funding

$65M

Headquarters

San Francisco, California

Founded

2020

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Simplify's Take

What believers are saying

  • Verus Mortgage Capital went live in July 2026, validating replacement deployments.
  • Vesta announced 2026 partnerships with Blend, Snapdocs, Argyle, Relcu, and Floify.
  • Vesta says lender AI-agent usage rose 988% over three months, signaling rapid expansion.

What critics are saying

  • Legacy LOS giants like ICE Mortgage Technology and Encompass still own lender budgets.
  • New American Funding’s rollout starts in 2027, delaying revenue recognition and proving value.
  • Mortgage volume cycles can stall adoption fast, threatening Vesta’s path to profitability.

What makes Vesta Innovations unique

  • Vesta’s AI-native LOS automates underwriting, processing, and funding inside one system.
  • Pennymac went live in 2025 and reported 25% lower origination operations costs.
  • Vesta supports non-QM complexity with task-based workflows and production AI agents.

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Benefits

  • Health Insurance
  • Vision Insurance
  • Dental Insurance
  • 401(k) Retirement Plan
  • Parental Leave
  • Remote Work Options
  • Flexible Work Hours
  • Wellness Program
  • Meal Benefits
  • Phone/Internet Stipend
  • Health Savings Account/Flexible Spending Account

Growth & Insights and Company News

Headcount

6 month growth

-3%

1 year growth

-2%

2 year growth

-4%
HousingWire
Oct 8th, 2026
Vesta raises $30M in Series B funding to expand AI-native LOS

AI-based LOS provider Vesta raised $30 million in Series B funding as lenders report lower origination costs and ramp up use of AI agents.

Associated Press
May 12th, 2026
Vesta partners with OptiFunder to integrate AI-native loan origination with warehouse funding

OptiFunder, a warehouse management automation provider, has partnered with Vesta, an AI-native loan origination system, to integrate warehouse funding workflows directly into the mortgage origination process. The integration embeds OptiFunder's Genesis Warehouse Management System inside Vesta's loan origination system, eliminating manual handoffs between origination and funding. The partnership connects mortgage bankers to OptiFunder's network of over 60 warehouse lenders, enabling real-time funding decisions and automated post-closing workflows within a single platform. The API-based integration reduces reliance on spreadsheets and manual processes whilst improving data security and compliance through role-based access controls and audit trails. Founded by mortgage lenders, OptiFunder modernises post-closing operations. Vesta, backed by Andreessen Horowitz and Bain Capital Ventures, was founded in 2020.

Business Wire
Sep 10th, 2025
Pennymac Selects Vesta to Supercharge Its Mortgage Platform, Setting a New Industry Standard in Origination Technology

PennyMac Financial Services, Inc. (NYSE: PFSI) (Pennymac) and Vesta Innovations, Inc. (Vesta) announced today a strategic partnership to streamline the mortg...

Inman
Sep 8th, 2025
Pennymac Invests in Vesta, Launches Non-QM Loans

Pennymac Financial Services has partnered with Vesta, taking a minority equity stake in the mortgage loan origination software provider. This move aligns with Pennymac's entry into the non-QM mortgage market for self-employed borrowers. Vesta's platform, known for its flexible architecture, will enhance Pennymac's technology ecosystem. Vesta, founded in 2020, previously raised $55 million, with backers like Andreessen Horowitz. Pennymac plans to expand non-QM loans through various channels.

Business Wire
Apr 16th, 2024
Dataverify And Vesta Forge Powerful Integration To Offer Fraud And Flood Services

ST. LOUIS--(BUSINESS WIRE)--DataVerify, a trailblazer in verification services and fraud prevention, proudly announces a strategic integration with Vesta, a leading mortgage loan origination system (LOS) and software-as-a-service company. This collaboration marks a significant advancement in the provision of flood zone determinations and fraud mitigation tools through Vesta’s platform. “Empowering our clients with innovative solutions is at the core of our mission, and this integration with Vesta is a testament to our commitment to that,” said Paul Harris, President at DataVerify. “By offering flood and fraud services through Vesta’s platform, we aim to enhance operational efficiency and deliver unparalleled value to our shared clientele.”. Lenders can now seamlessly order Flood Zone Determinations from DataVerify within the LOS, without the need for manual intervention