Staff Backend Engineer : Digital Credit Platform (AI-Augmented Engineering)

Domain: Fintech, Lending, or Credit Systems

About the team / 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.

How you'll make an impact

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.

Experience you will bring

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.