- *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.