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About the Job: The Tech Lead for the Credit/Lending Platform will spearhead the overall architecture design and technical roadmap of the Credit Middle Platform, which supports end-to-end credit business processes including credit assessment, disbursement, repayment, and marketing operations. This role involves designing and building core middle-platform services like credit limit service, payment gateway, marketing campaign engine, user center, and accounting/reconciliation modules. The Tech Lead will promote service modularization and standardization, define reusable components, service specifications, and API documentation to ensure scalability across multiple product lines. Responsibilities also include overseeing system performance optimization, stability enhancement, and technical risk management to guarantee high availability, concurrency, and security. Close collaboration with product, risk, payment, and operations teams is essential to drive solution design, technical reviews, release validation, and iterative improvement. Additionally, the Tech Lead will 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 a 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 to decompose complex systems, ensuring 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.
