As a Java Developer in Financial Credit Risk Control at the company, you will focus on financial credit scenarios including personal consumer credit, corporate credit, and supply chain finance. Your primary responsibilities will include designing, developing, and iterating Java-based credit risk systems throughout their full lifecycle, from pre-loan to post-loan. You will work to mitigate credit, fraud, and compliance risks while ensuring adherence to CBIRC/PBOC regulations.
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Key Responsibilities:
- Build Java-based credit risk systems for approval, anti-fraud measures, and post-loan monitoring to support credit applications, line reviews, and overdue collections.
- Design high-availability APIs with response times of ≤300ms for pre-loan and ≤500ms for post-loan for peak concurrency of thousands of requests per second.
- Utilize the Java ecosystem, specifically Spring Boot/Cloud, Nacos, Apollo, and Seata, to maintain microservice stability and data consistency.
- Translate risk rules and scoring models into Java code.
- Develop a dynamic rule platform for online editing and optimize efficiency using Redis caching and asynchronous computing.
- Integrate machine learning models (TensorFlow/PyTorch) as RESTful APIs for real-time scoring.
- Connect to financial data sources and build risk data marts using MyBatis/Spring Data JPA.
- Develop real-time dashboards for tracking metrics and regulatory alerts.
- Process batch data with Flink/Spark for monthly credit synchronization and repayment calculations.
Compliance & Security:
- Implement data security measures to comply with the Personal Information Protection Law.
- Support regulatory audits and address system vulnerabilities.
Requirements:
- Bachelor’s degree in Computer Science, Software Development, or FinTech.
- A minimum of 3 years of backend development experience, with at least 1.5 years focused in financial credit risk environments (banks, consumer finance, or fintech).
- Proficiency in Java (JDK 11+), including JVM tuning and concurrency management.
- Familiarity with Spring Boot/Cloud, Seata, MySQL, and Redis.
Core Skills:
- Experience in Java credit risk systems throughout their entire lifecycle and with rule engines (e.g., Drools, Easy Rules) preferred.
- Understanding of real-time and batch data processing with Flink/Spark.
- Knowledge of high-availability microservices and financial security regulations.
Preferred Qualifications:
- Experience in banking or fintech core credit systems.
- Background in machine learning model engineering (e.g., TensorFlow to Java APIs) or relevant certifications (FRM, CISP, CFA).
