Full-Time

Software Engineer

Fullstack

Updated on 8/21/2026

Vesta Innovations

Vesta Innovations

51-200 employees

Machine learning-based real-time payment risk assessment

Compensation Overview

$160k - $225k/yr

Remote in USA

Remote

Remote within the United States, with travel to U.S. offsites at least twice a year.

Category
Software Engineering (1)
Required Skills
Kotlin
React.js
Apache Kafka
Java
Postgres
RDBMS
.NET
C#
AWS
Scala
Redis
Data Modeling

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Requirements
  • Strong full-stack web development skills and experience working on products used by at least thousands of users.
  • Current expertise in C# .NET or another statically typed language such as Java, Scala, or Kotlin.
  • Current proficiency in React state management.
  • Hands-on experience with relational databases, including schema design and query optimization; PostgreSQL is preferred.
  • Proficiency with modern artificial intelligence development tools in a professional environment.
  • Familiarity with cloud environments and services, real-time event streaming, and caching solutions; AWS, Kafka, and Redis are preferred.
  • Ability to navigate and contribute to complex data models, including defining and optimizing them with team members.
  • Ability to translate high-level business goals into practical engineering solutions.
  • Ability to work autonomously, proactively own tasks and deliverables, and occasionally work outside standard hours when needed.
  • Comfort working in an early-stage startup environment where mission-critical work may occasionally require effort outside typical working hours.
  • Willingness to travel at least twice a year to offsites in the United States.
Responsibilities
  • Build, deliver, and maintain functionality on a product-oriented team in areas where business needs are strongest.
  • Own product areas and use engineering experience to maximize value for customers.
Desired Qualifications
  • Experience with PostgreSQL.
  • Familiarity with AWS, Kafka, and Redis.

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 A

Total Funding

$35M

Headquarters

San Francisco, California

Founded

2020

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Simplify Jobs

Simplify's Take

What believers are saying

  • New American Funding’s phased Vesta rollout runs through 2027, extending revenue visibility.
  • Vesta added Relcu, Snapdocs, and OptiFunder partnerships in 2026, widening platform usage.
  • Vesta says its platform cuts origination operations costs by 25%.

What critics are saying

  • ICE Mortgage Technology reported $557 million Q2 2026 revenue, intensifying incumbent pressure.
  • Mortgage rollouts stretch into 2027, exposing Vesta to lender budget freezes and delays.
  • If Pennymac or New American Funding slows adoption, Vesta’s standalone LOS thesis weakens fast.

What makes Vesta Innovations unique

  • Vesta’s AI-native LOS logs every action, giving lenders auditable, API-first loan workflows.
  • Pennymac went live in September 2025, validating Vesta with a top national lender.
  • Vesta’s 2026 integrations with Blend, Floify, and Argyle create a connected origination stack.

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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

1%

1 year growth

2%

2 year growth

2%
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

Valdosta Daily Times
Nov 8th, 2023
Vesta Supports Launch of Upstart's New Home Equity Line of Credit Product

Vesta, a SaaS provider of mortgage loan origination software (LOS), today announced that it partnered with Upstart (NASDAQ: UPST), the leading artificial intelligence (AI) lending marketplace, on the successful launch of Upstart's new home equity line of credit (HELOC) product.