Staff Backend Engineer – Digital Credit Platform (AI-Augmented Engineering)
Location: India (Remote / Hybrid)
Experience: 10+ Years
Domain: Fintech, Lending, or Credit Systems
About The Role
As a
Staff SOFTWARE Engineer, you will be the primary architect and execution lead for the transformation of our Digital Credit Application. We are pivoting from a legacy monolith to a high-performance, pluggable API ecosystem. Your mission is to decouple core adjudication logic, enable rapid A/B testing of the customer journey, and lay the technical foundation for future AI-driven chat and automated decisioning experiences.
This is a high-impact role designed for a true
builder who thrives on the duality of supporting a live production environment while aggressively migrating mission-critical services to a modern, microservices-based backbone.
The AI Edge: We are a forward-thinking engineering org. You are expected to be an expert in leveraging
AI Software Development Lifecycle (AI DLC) tools (e.g., GitHub Copilot, Cursor, Amazon Q, LLM-based code gen and architecture agents) to accelerate migration, write bulletproof tests, and automate documentation.
Core Responsibilities
Architectural Migration & Strategy
- Strangler Fig Migration: Lead the decoupling of core credit application logic out of the legacy monolith and into a scalable, cloud-native Java/Spring Boot microservices environment.
- Migration with Zero Downtime: Design and execute high-volume traffic migration strategies from legacy systems to new stacks seamlessly without disrupting live customers.
Pluggable Adjudication & API Ecosystem
- Modular Architecture: Design and implement a modular adjudication layer allowing the business to swap or update credit rules and third-party data providers without impacting core application flows.
- API-First Design: Build and maintain robust, versioned REST/gRPC APIs that support a multi-channel experience (Mobile, Web, and future AI Chat interfaces).
- A/B Strategy Enablement: Engineer backend infrastructure for dynamic routing and experimentation, allowing real-time testing of various application flows.
AI Readiness & Process Acceleration
- AI DLC Mastery: Champion the use of AI tools across the development lifecycle to write code faster, refactor legacy code into modern Java, and generate robust test suites.
- Data Science Partnership: Partner with Data Science teams to ensure data pipelines and backend schemas are optimized for LLM integration and real-time credit decisioning models.
Operational Excellence & Leadership
- Observability & CI/CD: Establish rigorous standards for CI/CD, observability (OpenTelemetry), and automated contract testing.
- Technical Mentorship: Provide guidance to mid-level and senior engineers, fostering a culture of high engineering standards, clean code, and AI-assisted productivity.
Key Qualifications
Technical Architecture & Stack
- 10+ Years of Engineering Excellence: Proven track record in backend architecture, specifically within Fintech, Lending, or Credit systems.
- Modern Java Stack: Expert-level proficiency in Java 17/21, Spring Boot 3.x, and Spring Cloud.
- Monolith-to-Distributed Migration: Significant experience extracting tightly coupled business logic from legacy backends into external, scalable cloud microservices (AWS).
- Complex Adjudication & Rules Engines: Experience building or implementing rules engines (e.g., Drools, Camunda, or custom JSON-logic) for automated decisioning.
- Event-Driven Design: Deep experience with Kafka or RabbitMQ for maintaining asynchronous data consistency between the new API layer and legacy systems of record during migration phases.
- Contract-First Development: Strict adherence to API contracts (OpenAPI/Swagger) to ensure seamless collaboration with frontend teams.
AI & Modern Delivery Tools
- AI DLC Proficiency: Hands-on experience using AI coding assistants (Cursor, Copilot, etc.) to optimize workflows, refactor legacy code, and accelerate delivery.
Leadership & Education
- Strong analytical skills and a proven capability in resolving complex, cross-functional problems.
- Excellent written and verbal communication skills; ability to present complex technical concepts clearly to stakeholders.
- Bachelor's degree in Computer Science or a related technical field.
