Senior Backend Engineer – Java (Fintech)

Role Summary

We are seeking a highly skilled Senior Backend Engineer with 10+ years of hands-on experience in Java-based backend development and a proven background in Fintech products, specifically SNPL/BNPL, micro-lending, digital wallet, or payments. The ideal candidate will design and implement scalable backend systems that enable secure, reliable, and high-performance financial services. This role requires deep technical expertise in Java, strong architectural understanding, and a solid grasp of financial transaction systems.

Key Responsibilities

• Design, develop, and maintain Java-based microservices and backend systems for fintech applications (BNPL, micro-lending, wallet, payments).
• Build and optimize RESTful APIs and third-party integrations with payment gateways, credit bureaus, and risk management systems.
• Architect and implement high-performance, secure, and scalable backend solutions aligned with product goals.
• Collaborate with product, DevOps, QA, and frontend teams to deliver seamless, end-to-end financial services.
• Ensure data integrity, security, and compliance with financial regulations and best practices.
• Implement caching, messaging, and database optimization for scalability and performance.
• Own system architecture discussions and provide guidance on design patterns, scalability, and fault tolerance.
• Monitor production systems, perform root-cause analysis, and continuously improve system reliability.
• Uphold clean code standards, conduct code reviews, and mentor junior engineers.

Key Requirements

• Bachelor’s or Master’s degree in Computer Science, Software Engineering, or a related discipline.
• 10+ years of backend software engineering experience, with a strong focus on Java (Java 8 or higher).
• Mandatory experience in Fintech products such as SNPL/BNPL, micro-lending, digital wallets, or payment systems.
• Deep expertise in Spring Boot, Mybatis, and microservices architecture.
• Strong understanding of REST APIs, asynchronous messaging (Kafka, RabbitMQ), and event-driven systems.
• Hands-on experience with databases — both relational (PostgreSQL/MySQL) and NoSQL (MongoDB/Redis).
• Experience deploying and managing applications on AWS, with working knowledge of Docker, Kubernetes, and CI/CD pipelines.
• Familiarity with security frameworks and standards (OAuth2, JWT, encryption, PCI DSS).
• Proven ability to design and deliver high-availability, low-latency, and fault-tolerant systems.
• Excellent problem-solving, debugging, and communication skills.
• Strong collaboration mindset and ability to work effectively in fast-paced, agile product environments.