Tech Lead - Credit / Lending Platform

About This Role

Responsibilities

• Lead the overall architecture design and technical roadmap of the Credit Middle Platform, supporting end-to-end credit business processes — including credit assessment, disbursement, repayment, and marketing operations.
• Design and build core middle-platform services such as credit limit service, payment gateway, marketing campaign engine, user center, and accounting/reconciliation modules.
• Promote service modularization and standardization; define reusable components, service specifications, and API documentation to enable scalability across multiple product lines.
• Oversee system performance optimization, stability enhancement, and technical risk management to ensure high availability, concurrency, and security.
• Collaborate closely with product, risk, payment, and operations teams to drive solution design, technical review, release validation, and iterative improvement.
• Guide team members on system design, code quality, and architectural best practices, fostering engineering excellence and innovation.

Requirements

• Bachelor’s degree or above in Computer Science or related field, with 10+ years of experience in credit, payment, or middle-platform system development and architecture.
• Strong understanding of credit business logic and hands-on experience in building middle-platform systems such as credit limit engines, accounting hubs, payment gateways, or marketing platforms.
• Proficient in Java/Spring Boot microservice architecture and familiar with Python for data processing and service integration.
• Solid knowledge of distributed system design, message queues (Kafka/RabbitMQ), caching (Redis), and relational databases (MySQL/PostgreSQL).
• Strong system architecture and design capabilities — able to decompose complex systems, ensure scalability, reliability, and performance balance.
• Excellent English communication skills, able to work effectively with cross-functional and cross-regional teams (product, risk).
• Passionate about technology innovation and fintech, with a high sense of ownership, accountability, and self-motivation.

Nice to Have

• Experience working in large-scale fintech companies or SaaS-based credit platforms.
• Knowledge of risk-based pricing, market system, credit limit system
• Familiarity with cloud-native technologies (Kubernetes, Docker) and DevOps practices including CI/CD pipelines.