Key Responsibilities

• Lead the architecture, design, and development of Java-based microservices supporting payments, loans, and credit products

• Own end-to-end delivery of critical services including disbursements, repayments, interest calculations, fees, schedules, and reconciliations

• Drive API-first and event-driven architectures (REST, messaging, Kafka/RabbitMQ)

• Ensure high availability, scalability, security, and low latency for payment and lending flows

• Provide technical leadership and mentorship to engineers through code reviews, design reviews, and best practices

• Collaborate closely with product, risk, compliance, and operations teams to deliver regulatory-compliant solutions

• Enforce engineering standards around clean code, testing, CI/CD, observability, and documentation

• Lead system integrations with payment gateways, card networks, core banking systems, credit bureaus, and third-party providers

• Support production systems, troubleshoot complex issues, and drive continuous improvement

Required Skills & Experience

• 8+ years of backend engineering experience, with strong Java expertise (Java 8+) 
• Proven experience building microservices-based systems using Spring Boot / Spring Cloud Hands-on experience in payments and/or lending domains, including: Payment processing, settlements, and reconciliation Loan origination, servicing, repayments, and interest calculations 
• Strong knowledge of distributed systems, concurrency, and transactional consistency 
• Experience with relational and NoSQL databases (PostgreSQL, MySQL, Redis, etc.) 
• Solid understanding of security concepts: OAuth2, JWT, encryption, PCI-DSS, data protection 
• Experience working in Linux-based environments and cloud platforms (AWS, GCP, or Azure) 
• Familiarity with CI/CD pipelines, Docker, Kubernetes, and infrastructure automation