FinTech SaaS Platform | Senior Full-Stack Engineer

We are building a multi-tenant financing platform that allows merchants to offer financing to their customers through our system and our bank partners. The platform acts as an intermediary between borrowers and multiple lending partners. Borrowers submit financing applications through our platform, and our system routes those applications to one or more lenders via API integrations. Lenders return decisions, offers, and status updates back to our platform through APIs and webhooks. Key requirements include: 1. A borrower application experience with a common application flow and the ability to collect additional information or documents based on lender-specific requirements. 2. A lender integration layer that supports multiple lenders, each with their own API requirements, approval processes, and post-approval workflows. - Webhook handling for lender status updates such as application received, approved, declined, pending additional information, funded, etc. - Dynamic lender-specific workflows after approval or conditional approval, since each lender may require different documentation or verification steps. 3. A merchant portal where merchants can: - View and manage their applications - Track application statuses - View funding information and payouts - Manage users and permissions - Access reporting and financial information 4. An internal admin portal where our team can: - Manage merchants and lender relationships - View and manage all applications - Override or update statuses when necessary - Configure lender settings and workflows - Manage operational tasks without requiring code deployments - Access reporting, audit history, and system management tools - Analytics and dashboards for tracking key business metrics such as application volume, approval rates, funding rates, lender performance, merchant performance, conversion rates, processing times, and payout metrics The system should be designed as a scalable multi-tenant SaaS platform capable of supporting additional lenders and merchants over time without major architectural changes.