Full-Time

Software Engineer

Pine

Pine

51-200 employees

Online mortgage platform matching budget loans

No salary listed

Toronto, ON, Canada

In Person

Category
Software Engineering (1)
Required Skills
LLM
Kotlin
Rust
Agile
JavaScript
Distributed Systems
React.js
Git
Java
Postgres
Quality Assurance (QA)
TypeScript
C#
AWS
Go
Next.js
Observability
DevOps
HTML/CSS
Google Cloud Platform

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Requirements
  • Experience building modern web applications in a professional software engineering environment.
  • Strong experience with React, Next.js, JavaScript, and TypeScript.
  • Experience developing backend services with modern typed languages, including Kotlin, Golang, C#, Java, or Rust.
  • Solid understanding of API design, distributed systems, and scalable application architecture.
  • Experience working with Git, pull requests, and modern continuous integration and continuous delivery workflows.
  • Strong knowledge of HTML, CSS, responsive design, and frontend performance optimization.
  • Experience with automated testing and quality assurance best practices.
  • Experience working in agile product teams and fast-paced startup environments.
  • Experience working with AI coding assistants such as Cursor, Claude Code, or Codex in software development workflows.
Responsibilities
  • Design, build, test, and deploy high-quality full-stack applications.
  • Develop modern, responsive user experiences using React and Next.js.
  • Build scalable backend services and application programming interfaces using Kotlin.
  • Collaborate with Product, Design, and Engineering to deliver customer experiences.
  • Participate in technical architecture, planning, and system design discussions.
  • Contribute to the shared component library and frontend architecture.
  • Write clean, maintainable, well-tested code.
  • Perform code reviews and mentor teammates through constructive feedback.
  • Troubleshoot production issues and improve application performance and reliability.
  • Help shape engineering best practices, tooling, and development workflows.
  • Leverage AI-assisted development tools to improve productivity while maintaining engineering standards.
  • Explore opportunities to incorporate AI-powered capabilities into products and internal platforms.
Desired Qualifications
  • Experience integrating large language models or artificial intelligence application programming interfaces into production applications.
  • Experience with cloud platforms such as AWS.
  • Experience building fintech or other highly regulated software.
  • Familiarity with observability, monitoring, and performance optimization tools.

Pine is a digital mortgage platform that helps people find and obtain a mortgage online without in-person visits. It works by letting users upload their ID and supporting documents so Pine’s agents can determine what they can afford and access best-in-class mortgage products at realistic, transparent rates. The process includes applying online in under 10 minutes, an interactive mortgage payment calculator to estimate monthly costs, and guidance from expert mortgage advisors who review the best options for each customer. Final documents are signed and funds are released at closing. Pine differentiates itself by offering a fully online experience with behind-the-scenes agents who ensure transparent pricing and no hidden fees or bait-and-switches. Its goal is to help customers find the right mortgage for their budget and avoid paying too much.

Company Size

51-200

Company Stage

Debt Financing

Total Funding

$757.5M

Headquarters

Toronto, Canada

Founded

2021

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Simplify Jobs

Simplify's Take

What believers are saying

  • Pine launched Pine Homes in June 2025, widening revenue beyond pure mortgage brokerage.
  • Its managed mortgages crossed C$1 billion, proving repeatable distribution and servicing economics.
  • Wealthsimple partnership in November 2025 opens a large affluent funnel for cross-sold mortgages.

What critics are saying

  • Banks and brokers can copy Pine's digital flow and compress margins by 2027.
  • Wealthsimple owns customer relationships, so Pine becomes a replaceable underwriting vendor quickly.
  • A Canadian housing downturn would crush purchase-volume growth and expose Pine's dependence on mortgage originations.

What makes Pine unique

  • Pine unified mortgages, search, and advisory after buying Properly in 2023.
  • By June 2025, Pine surpassed C$1 billion under administration and C$3 billion approved.
  • Wealthsimple chose Pine in November 2025 for co-branded mortgage approvals within minutes.

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Benefits

Health Insurance

Paid Vacation

Growth & Insights and Company News

Headcount

6 month growth

6%

1 year growth

22%

2 year growth

22%
BetaKit
Jun 10th, 2025
Pine Unveils New Tools After Topping $1B Cad In Managed Mortgages

Toronto proptech turns Properly acquisition into refreshed home search platform as it expands beyond just mortgages

BetaKit
May 7th, 2024
Wealthsimple enters mortgage space through Pine partnership

Wealthsimple has officially launched into the mortgage space through a new partnership with Toronto-based digital mortgage startup Pine.

BetaKit
May 7th, 2024
Wealthsimple Enters Mortgage Space Through Pine Partnership

Wealthsimple partners with the “Wealthsimple for home buying” to help customers avoid a “sucker rate.”

BetaKit
Oct 5th, 2023
Pine Buys Properly To Capture More Of The Canadian Home-Buying Process

Digital mortgage firm aims to build the former proptech into Canada’s top real estate website. .

Newswire
Oct 5th, 2023
Pine Acquires Leading Real Estate Innovator Properly

Established in 2021, Pine has secured over $40 million from prominent venture capitalists and has already processed billions in mortgage applications.