F

FICO

Predictive credit risk scoring & analytics

Principal Engineer - Agentic Development

Full-TimePosted on 10/27/2026
No salary listed
Expert
Remote in Bulgaria
Remote
Software Engineering

About the job

Requirements
  • Demonstrable experience in software engineering within large, complex codebases, with a strong foundation in software architecture, testing practices, and long-term maintainability.
  • Practical experience working with AI coding agents such as Claude Code, GitHub Copilot, Codex, or Cursor, with a clear understanding of their capabilities, limitations, and appropriate use within a production engineering workflow.
  • The technical judgement to critically evaluate agent-generated output, identify subtle errors or architectural weaknesses, and make informed decisions about when to intervene in the agent workflow.
  • The ability to communicate technical requirements with precision, producing specifications and definitions of done that are unambiguous, testable, and actionable by both agents and engineering colleagues.
  • A disciplined approach to verification, questioning correctness, building appropriate checks and test coverage, and applying particular rigour in regulated and mission-critical delivery contexts.
  • A results-oriented approach to delivery, with accountability for the quality and correctness of shipped work rather than volume of code produced.
  • Familiarity with relevant technologies including Python, SQL, JavaScript/TypeScript, AWS or Azure, Kubernetes, CI/CD pipelines, ML model deployment, or real-time decisioning systems.
Responsibilities
  • Collaborate with Product teams to translate early-stage ideation into structured Proofs of Concept, establishing clear technical feasibility and scope.
  • Produce detailed specifications and acceptance criteria that enable coding agents to generate correct, maintainable, and well-architected output, taking full ownership of the resulting code through to deployment.
  • Apply rigorous quality standards to all agent-generated output, ensuring it meets the same level of scrutiny as hand-written code within a regulated decisioning context.
  • Operate effectively within the agentic harness, utilising established guides, including AGENTS.md files, architectural rules, and reference documentation alongside automated sensors such as linters, fitness tests, verification loops, and LLM-as-judge reviewers.
  • Identify the root cause of recurring agent errors and work with the harness team to implement systemic controls, ensuring the same class of failure cannot recur across the codebase.
  • Maintain the accuracy and currency of repository documentation, specifications, and contextual knowledge, treating these as a shared system of record for both human engineers and agents.
  • Apply focused technical judgement to architecture decisions, edge-case analysis, latency and integration risk, auditability requirements, and determinations that fall outside the appropriate scope of agent autonomy.
Desired Qualifications
  • Experience with spec-driven development, context engineering, or agent orchestration in a team environment; knowledge of regulated or audited software delivery processes and controlled change management.
  • A background in decisioning, credit risk, fraud detection, analytics, optimisation, or data engineering.
  • Ability to articulate a considered approach to human-AI collaboration, including delegation boundaries, human oversight, and earning autonomy through demonstrated quality.

About the company

FICO provides data analytics and decision management tools that help financial institutions assess credit risk and detect fraud. The company’s primary product, the FICO score, works by transforming consumer credit report data into a numerical value that predicts the likelihood of a borrower repaying a loan. Unlike many competitors, FICO’s scoring system serves as the primary industry standard for consumer lending in the United States, integrated directly into software that manages the entire customer lifecycle. The company’s goal is to provide lenders with the predictive tools necessary to make informed, data-driven decisions regarding account origination, marketing, and risk management.

Company Size

1,001-5,000

Company Stage

IPO

Headquarters

San Jose, California

Founded

1956

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Simplify's Take

What believers are saying

  • Q3 fiscal 2026 revenue reached $674.2 million, up 26%, with guidance raised to $2.53 billion.
  • More than 70 lenders joined Score 10T by October 2026, representing 55% of top originator volume.
  • FICO signed direct license agreements covering 60% of mortgage reseller volume, expanding distribution leverage.

What critics are saying

  • FHFA expanded VantageScore 4.0 on September 9, 2026, pressuring Classic FICO volumes.
  • Fannie Mae and Freddie Mac aligned pricing grids on September 30, 2026, weakening FICO's tollbooth.
  • FICO carries $5.58 billion debt after June 2026 term-loan financing, raising refinancing pressure.

What makes FICO unique

  • FICO Score 10T pairs trended bureau data with mortgage workflows, validated by GSE datasets.
  • Optimal Blue and LoanPASS integrations embed FICO scoring into lending, pricing, hedging, and valuation.
  • Pindrop Marketplace and Plaid-powered UltraFICO widen FICO beyond scores into fraud and cash-flow decisioning.

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Benefits

  • Health Insurance
  • Flexible Work Hours
  • Professional Development Budget
  • Wellness Program
  • Remote Work Options

Growth & Insights and Company News

6 month growth

0%

1 year growth

0%

2 year growth

0%
Yahoo Finance
Oct 2nd, 2026
Fair Isaac faces mortgage score challenge while Cadence grows across all products

Fair Isaac and Cadence Design Systems both sell products customers cannot easily replace, but their growth drivers differ significantly. Cadence's chip design software grows across all product groups, whilst Fair Isaac's growth stems primarily from raising prices on its FICO Score. In September 2026, the Federal Housing Finance Agency announced it would start using VantageScore, a cheaper rival, to set mortgage prices. This decision particularly affects Fair Isaac, whose Scores revenue grew 41% in fiscal Q3 2026, driven mainly by higher mortgage score prices. Cadence carries far less debt, at 2.7% of market value versus Fair Isaac's 40%. Fair Isaac trades at 18.4 times earnings compared to Cadence's 69.7 times. Fair Isaac's share price has fallen 56% over the past year, whilst Cadence is down 0.2%. Fair Isaac has not reported results since the government announcement.

Associated Press
Aug 11th, 2026
Alogram joins FICO Marketplace to offer explainable AI fraud intelligence

Alogram Inc. has joined FICO Marketplace, making its fraud intelligence offerings available to FICO Platform customers worldwide. The suite includes Account Forensics, Behavioral Intelligence, Email Intelligence, Identity Intelligence, Purchase Forensics, and Telecom Intelligence. These modular capabilities are designed to help enterprises identify suspicious digital activity and emerging AI-enabled fraud patterns. The offerings provide explainable indicators and audit-ready evidence that integrate directly into existing decisioning workflows. FICO Marketplace enables customers to discover and deploy pre-built AI models, data services, and analytics without replacing existing infrastructure. Alogram's CEO d'Artagnan Osborne said the partnership provides customers with additional signals and forensic context to better understand fraud risks. The listings are now accessible to FICO Platform customers through the marketplace, allowing enterprises to explore how these intelligence capabilities can support their fraud and risk management strategies.

Yahoo Finance
Jul 24th, 2026
Three companies beat market with strong growth: Brinker International up 214%, Construction Partners up 212%, Fair Isaac up 123%

Three companies have delivered strong returns over the past five years, according to recent analysis. Brinker International, which operates Chili's and Maggiano's Little Italy, has returned 214% with same-store sales growth averaging 15.5% over two years and £5.73 billion in revenue. Construction Partners, a civil infrastructure firm, has gained 212% with 39.9% annual revenue growth over the past two years. Its earnings per share growth of 46.7% outpaced revenue gains. Fair Isaac Corporation, creator of the FICO credit score, has returned 123%. The company's earnings per share growth of 29.3% exceeded revenue gains over the last two years, whilst maintaining a 34% free cash flow margin. All three companies have demonstrated consistent earnings growth and improving operational metrics.

Business Wire
Jun 4th, 2026
Optimal Blue integrates FICO Score 10T into capital markets platform for mortgage lenders

Optimal Blue, a mortgage capital markets platform, has integrated FICO Score 10T into its technology, marking a significant step in the adoption of FICO's most predictive credit scoring model across the mortgage industry. The integration enables lenders to price and decision non-agency loans using FICO Score 10T within Optimal Blue's product, pricing and eligibility engine, as well as mortgage servicing rights valuation and hedging capabilities. Optimal Blue supports approximately 60% of the top 50 US mortgage lenders. FICO Score 10T is currently available at no cost alongside Classic FICO through the FICO Score 10T Free Access Programme, allowing lenders to conduct side-by-side testing without additional fees. The integration extends to the secondary market, where investors and servicers can leverage the score for portfolio assessment.

Yahoo Finance
May 29th, 2026
FICO partners with Pindrop to integrate AI fraud detection into banking workflows

FICO has partnered with Pindrop to integrate AI-powered fraud detection into the FICO Platform. The agreement embeds Pindrop Protect to deliver real-time, multi-signal fraud intelligence for financial institutions, including deepfake detection and consortium intelligence within FICO decisioning workflows. The collaboration positions FICO as an orchestration layer for high-risk interactions such as account opening, wire transfers and call centre authentication. By hosting Pindrop Protect in the FICO Marketplace, the company aims to make advanced fraud controls function as a plug-in for banks and telecoms. The partnership expands FICO's role beyond credit scoring into voice, device and behavioural signals, adding another data-rich partner alongside existing arrangements with AWS and Plaid.