Java Developer - Financial Credit Risk Control

As a Java Developer focusing on financial credit scenarios (personal consumer credit, corporate credit, supply chain finance), you will design, develop, and iterate on Java-based credit risk systems throughout their full lifecycle—from pre-loan to in-loan and post-loan. Your role will involve mitigating credit, fraud, and compliance risks, protecting financial assets, and ensuring adherence to CBIRC/PBOC regulations.

Key Responsibilities:

• Build Java-based credit risk systems (approval, anti-fraud, post-loan monitoring) to support credit applications, line reviews, and overdue collection.
• Design high-availability APIs for peak concurrency, ensuring low response times.
• Utilize Java ecosystems (Spring Boot/Cloud Alibaba, Nacos, Apollo, Seata) to maintain microservice stability and data consistency.
• Translate risk rules and scoring models into Java code.
• Develop a dynamic rule platform and optimize efficiency through caching and asynchronous computing.
• Integrate machine learning models as RESTful APIs for real-time scoring.
• Connect to financial data sources and build risk data marts.
• Develop real-time dashboards and regulatory alerts.
• Process batch data with Flink/Spark.
• Implement data security measures to comply with the Personal Information Protection Law and support regulatory audits.

Requirements:

• Bachelor's degree in Computer Science, Software Engineering, or FinTech.
• Minimum 3 years of backend development experience with at least 1.5 years in financial credit risk in banks, consumer finance, or fintech.
• Proficiency in Java (JDK 11+), including JVM tuning and concurrency, and familiarity with Spring Boot/Cloud, Seata, MySQL, and Redis.

Core Skills:

• Experience with Java credit risk systems and rule engines is preferred.
• Familiarity with Flink/Spark for real-time and batch data processing.
• Ability to design high-availability microservices and knowledge of financial security and regulatory requirements.

Preferred Qualifications:

• Experience in bank or fintech core credit systems.
• Machine Learning model engineering experience or relevant certifications (FRM, CISP, CFA).

Location:
Abu Dhabi, Abu Dhabi Emirate, United Arab Emirates

Work Conditions:
On-site, Full-time