Tech Lead - Credit / Lending Platform
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Key skills for this role
About the 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.
Key Skills for This Role
Full Job Posting
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.
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