Overview

Who we are Collaborative. Respectful. A place to dream and do. These are just a few words that describe what life is like at Toyota. As one of the world’s most admired brands, Toyota is growing and leading the future of mobility through innovative, high-quality solutions designed to enhance lives and delight those we serve. We’re looking for talented team members who want to Dream. Do. Grow. with us.

An important part of the Toyota family is Toyota Financial Services (TFS), the finance and insurance brand for Toyota and Lexus in North America. While TFS is a separate business entity, it is an essential part of this world-changing company- delivering on Toyota's vision to move people beyond what's possible.

At TFS, you will help create best-in-class customer experience in an innovative, collaborative environment. Toyota does not offer support or sponsorship of job applicants for employment-based visas or any other work authorization for this role now or in the future. You must have the right to work in the United States and not require Toyota support or sponsorship for immigration-related employment (e.g., H-1B, O-1, E-3, H-1B1, TN, F-1 OPT, F-1 STEM OPT, F-1 CPT, ‘job flexibility benefits’ [also known as I-140 or Adjustment of Status portability], etc.) now or in the future. You should not apply for this role if you will require Toyota to assist with immigration support or sponsorship now or in the future.

This position is based in Plano, TX.

Who we’re looking for

The TFS Banking and Commercial Lending team is seeking a highly motivated Principal Engineer to join us. The Principal Engineer will collaborate with product owners and technical teams to design end-to-end architecture for applications across our financial services portfolio.

What you’ll be doing

The Principal Engineer’s main responsibilities include:

• Lead design discussions around system components such as APIs, databases, caching layers, messaging, resilience, and observability.
• Collaborate with product owners and technical teams to design end-to-end architecture for applications across our financial services portfolio.
• Analyze trade-offs and propose scalable, maintainable, and secure solutions tailored to business goals.
• Evaluate and introduce new software patterns, tools, and frameworks through proof-of-concepts (PoCs).
• Lead the engineering efforts for AWS solutions, staying current with the latest advancements in related technologies.
• Identify opportunities, develop strategies, design architecture, and establish best practices to optimize cloud-based data lake and processing frameworks supporting real-time and near real-time data ingestion, processing, monitoring, and reporting.
• Design cloud-native applications using AWS services and modern architecture practices, including declarative coding and solutions with tools like serverless workflows and computing.
• Incorporate security and DevSecOps principles into application architecture, ensuring robust protection and compliance.
• Create and maintain technical documentation, architectural diagrams, and best practices, ensuring design decisions and architecture artifacts are aligned, reusable, and shared for knowledge transfer.
• Provide mentoring to junior engineers, fostering a culture of innovation, excellence, and continuous learning.
• Work closely with cross-functional teams to align technical decisions with organizational vision and business priorities.

What you bring

Bachelor's degree in computer science, engineering or related field. 10+ years of experience in software engineering and architecture (3+ years in system/application design), with a strong foundation in Spring Boot, Java, Python, and/or JavaScript. Proven track record designing and deploying large-scale, multi-region cloud-native solutions (preferably AWS), including event-driven and streaming architectures, containers (EKS/ECS), and related services. Skilled in CI/CD pipelines, DevOps practices, and modern software development methodologies. Excellent communicator with the ability to explain complex technical decisions; demonstrated experience leading engineering teams and cross-functional projects. Adaptable, mission-aligned leader who thrives in dynamic environments, embraces collaboration, and supports off-hours incident response when needed. Added bonus if you have AWS Solutions Architect Associate or Professional certification (strongly preferred). Experience conducting architecture reviews or presenting design proposals and end to end hands on PoCs. Finance domain business processes automation experiences.

What we’ll bring

During your interview process, our team can fill you in on all the details of our industry-leading benefits and career development opportunities. A few highlights include:

• A work environment built on teamwork, flexibility, and respect.
• Professional growth and development programs to help advance your career, as well as tuition reimbursement.
• Team Member Vehicle Purchase Discount.
• Toyota Team Member Lease Vehicle Program (if applicable).
• Comprehensive health care and wellness plans for your entire family.
• Toyota 401(k) Savings Plan featuring a company match, as well as an annual retirement contribution from Toyota regardless of whether you contribute (if applicable).
• Paid holidays and paid time off.
• Referral services related to prenatal services, adoption, childcare, schools and more.
• Tax Advantaged Accounts (Health Savings Account, Health Care FSA, Dependent Care FSA).
• Relocation assistance (if applicable).

Belonging at Toyota

Our success begins and ends with our people. We embrace all perspectives and value unique human experiences. Respect for all is our North Star. Applicants for our positions are considered without regard to race, ethnicity, national origin, sex, sexual orientation, gender identity or expression, age, disability, religion, military or veteran status, or any other characteristics protected by law.

Have a question, need assistance with your application or do you require any special accommodations? Please send an email to talent.acquisition@toyota.com.