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Capital One Logo Capital One · IT - Software Development

Distinguished Software Engineer - Card Tech

United States, New York 293600.00 - 335100.00 USD / Year · Job Posted February 05, 2026
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Job Description

As a Distinguished Engineer at Capital One, you will be a part of a community of technical experts working to define the future of banking in the cloud. You will work alongside our talented team of developers, machine learning experts, product managers and people leaders. Our Distinguished Engineers are leading experts in their domains, helping devise practical and reusable solutions to complex problems. You will drive innovation at multiple levels, helping optimize business outcomes while driving towards strong technology solutions.

Job Responsibility

  • Define and drive technical strategy and roadmap for our systems and platforms that power Capital One’s inbound card and loan capabilities across the customer experience, payment profiles, scheduling, fulfillment and money movement rails
  • Partner cross-functionally with client, cloud infrastructure, and machine learning platform teams to align on and co-develop technical solutions
  • Architect and build highly secure & scalable systems that enable server-driven product experiences across devices, with exceptional reliability and availability
  • Design high-throughput, low-latency services capable of handling millions of concurrent requests
  • Design and implement API & federated BFF (Back-end for Front end) strategy for efficient data access (fetching, caching, request coalescing, etc.) between backend services and clients, with democratized data schema contribution
  • Architect enhanced Observability and Monitoring frameworks to enable rapid issue detection, debugging and resolution, across the entire product system stack
  • Provide organizational technical leadership to influence architecture, engineering standards, cross-team strategies, mentoring engineers and driving organization wide platform innovation
  • Leverage proven leadership in driving platform strategy, fostering cross-functional collaboration, and influencing technical direction across the company

Requirements

  • Bachelor’s Degree
  • At least 7 years of experience in software engineering
  • At least 7 years of experience designing distributed systems, backend architecture, and API platforms
  • At least 5 years of experience with public cloud technologies

Nice to have

  • Master's Degree in Computer Science or a related field
  • 10+ years of professional experience coding in commonly used languages like Java, Python, Go, JavaScript, TypeScript, Swift
  • 7+ years of experience in event-driven systems and architecting scalable, fault-tolerant, highly-available services
  • 7+ years of experience in building high-performance API platforms and federated BFF architectures (GraphQL, REST, API gateways, gRPC, caching, and streaming)
  • 7+ years of experience with cloud-native engineering (AWS, Azure, or GCP), containerization (Docker, Kubernetes) and automated deployment

What we offer

  • comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well-being
  • performance based incentive compensation, which may include cash bonus(es) and/or long term incentives (LTI)
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