Principal Back End Engineer – Credit and Lending

Principal Back End Engineer – Credit and Lending

Requirements

• 8+ years of experience working as a software engineer at a B2B financial services, fintech, or SaaS organization
• 8+ years of building scalable RESTful back-end services using Java and Spring Boot framework
• Proven experience in the fintech industry with a deep understanding of clearing, securities, and asset classes, with a strong emphasis on Margins
• Expertise in designing and implementing Margin-related systems, including experience with Portfolio Margin, Reg-T Margin, and maintenance margin calculations
• Ability to implement microservices architecture for backend services to deliver highly distributed and resilient architecture
• Strong understanding of design patterns, and implementation of, event-driven architecture and its application to real-time margining processes
• Implement and believe in automated testing like unit/integration test
• Ideally looking for a B.A. / B.S. degree in relevant fields such as Computer Science
• Strong grasp of Java, Spring Boot, AWS, and SQL, with expertise in margin calculations
• Deep experience with database technologies (SQL & NoSQL) to efficiently store and retrieve large-scale financial datasets for margin processing
• Strong understanding of caching technologies like Redis
• Experience working with real-time processing frameworks for margin risk assessment and trade settlement processes
• Working knowledge of Docker/Container technologies like Kubernetes or ECS, Terraform, and GitLab
• Proven experience with Scalability, Availability, Reliability, Performance, Resilience, and Observability

Responsibilities

• Analyze and solve complex problems spanning multiple user personas and workflows, with a focus on Margins calculations, risk exposure management, and regulatory compliance
• Design, build, and scale robust systems for high performance and efficiency in margin lending and credit processing
• Deliver RESTful APIs with microservices that support margin trading, collateral management, and margin call workflows
• Integrate data from multiple custodians, aggregating, modeling, and loading the data into a transactional and warehouse system
• Solve complex problems within an event-based environment, ensuring that margin requirement updates are handled in real time
• Work on complex risk analytics and margin-related calculations, ensuring precision and compliance with industry standards

Preferred Qualifications

• Experience building cloud infrastructure with Terraform on AWS
• Experience building automated CI/CD pipelines with Gitlab
• Familiarity with real-time analytics and monitoring tools to track margin call events and risk exposure in trading environments
• Strong understanding of capital and liquidity management in margin lending