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Valon is building the AI-native operating system for regulated finance, starting with mortgage servicing.
We're a Series C company backed by a16z, transforming industries that others have written off as too complex to innovate.
Rather than build on top of broken legacy systems, we took a different approach: we built and operate our own mortgage servicing business managing $110+ billion in loans. This wasn't the end goal, it was how we deeply understood the complexity needed to build software that actually works in regulated industries.
The results speak for themselves. We've transformed mortgage servicing from a 0% margin business into 60%+ margins while dramatically improving customer experience. Major enterprise contracts are now deploying across the industry.
ValonOS is our unified platform that makes every process structured and programmable and it is perfectly positioned for the AI era. When everything flows through one system with rich data, AI agents don't just automate tasks, they continuously improve entire operations. Mortgage servicing is just the beginning of our vision to transform regulated industries and beyond.
Engineering at Valon
Our engineering team is here to power the software ecosystem to disrupt one of the most outdated and regulated spaces in the financial sector - the mortgage industry. We’ve built out the foundation of a modern mortgage servicing platform that can accurately handle billions of dollars at scale, but we’re just getting started. At Valon, we want you to do the best work of your life. You'll be surrounded by a tight-knit community of exceptional people from places like Stripe, Jane Street, Meta, and Google who care deeply about their work and each other. Our problem space is complex, but you’ll get a lot of autonomy so that you can learn quickly, execute effectively, and deliver the highest level of business impact.
Responsibilities
- Learn new concepts and technologies quickly and apply them to challenging problems
- Design and build robust and extensible infrastructure to handle evolving and complex federal, state, and agency regulations
- Dive deep to understand the inner workings of a highly complex industry
- Work with Product and Design to define the best experience for our customers
Ideal Background
- 4+ years of software engineering experience building quality software applications at scale
- Strong communicator. Able to work cross-functionally to balance product and technical requirements
- Great at building scalable systems from scratch with a fast turnaround
- Experience with one or more of the following: web application development, mobile application development, building large-scale distributed systems, or infrastructure management
- Time management skills that will maximize efficiency in a fast paced startup environment
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Valon
View Company ProfileValon is a highly disruptive, AI-native FinTech and PropTech enterprise fundamentally revolutionizing the heavily regulated mortgage servicing industry. Founded in 2019 and headquartered in New York City, the company completely replaces the deeply antiquated, decades-old legacy software that the U.S. housing market has historically relied upon. Under the hood, Valon has built "ValonOS"—a modern, auditable, and vertically integrated system of record that seamlessly unifies complex workflows, large-scale money movement, and strict compliance protocols into a single cohesive platform. Their proprietary AI agents actively handle complex data extraction, escrow analysis, and intelligent workflow routing, significantly driving down operational servicing costs to 3x lower than the industry average. Their primary target audience spans massive institutional investors, large-scale mortgage lenders, and enterprise servicers who desperately need a secure, scalable infrastructure to manage billion-dollar loan portfolios. What sets Valon apart in the complex financial ecosystem is its uncompromising engineering approach; rather than building a shallow wrapper over broken legacy rails, they rebuilt the entire core infrastructure from scratch, ensuring bulletproof regulatory compliance while elevating the homeowner experience far above the industry standard.
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