Job Description

KEY RESPONSIBILITIES

You will:

Build and maintain the services that match lenders and borrowers: lender profiles, published loan configurations and their constraints, and borrowerfacing loan discovery.
Own the loan lifecycle end to end: application, approval, disbursement, repayment schedules, extensions, overdue handling and demand letters.
Build lender tools: cash bond balance and history, portfolio and outstanding balance views, and payment history.
Implement fee, interest and convenience-fee calculations precisely, with tests that cover edge cases and rounding.
Support KYC, account upgrades (borrower to lender) and credit score features with the admin and compliance teams.
Build reliable money-movement flows with payment partners (NetGlobal, Finscore, BillEase, ECPay, Giftaway), with idempotency, retries and
reconciliation.
Keep complete audit trails for every financial transaction, status change, and admin action.
Model data and write performant SQL on MySQL 8 (AWS RDS), including schema changes and safe migrations.
Design, build and maintain REST APIs in Express + TypeScript across the lending, transaction, user, partner, notification, messaging and admin
services.
Publish and consume events on Kafka between services and keep message contracts versioned and documented.
Build real-time features with Socket.IO, such as live chat and ticket updates between borrowers, lenders and support.
Configure routes on the KrakenD API gateway, and document endpoints with Swagger/OpenAPI for the mobile and admin teams.
Deliver push (Firebase, Expo) and SMS (M360) notifications for loan events, due dates and OTPs.
Implement secure auth flows: JWT, OTP, MPIN, account lockout and device checks.
Protect borrower and lender personal data in line with the Data Privacy Act.
Validate all input with Zod and follow OWASP practices.
Write unit and integration tests (Mocha, Chai, Supertest) and keep build validation passing.
Ship services as Docker containers through AWS CodeBuild/CodeDeploy to EC2 behind load balancers.
Monitor production with Sentry, take part in incident response, and fix root causes.
Use AI-assisted tools (Claude Code, GitHub Copilot, Cursor) for coding, test writing, code review and documentation. Verify all output before
merging.
Review pull requests in Azure DevOps, write technical docs, and mentor junior developers.
Work with product, QA, mobile and admin-portal developers in sprint planning, estimates and releases.

QUALIFICATIONS:

3-5 years of professional backend development experience.
Strong TypeScript and Node.js (v20+), including async patterns, error handling and project structure.
Production experience building REST APIs with Express or a similar framework.
Solid relational database skills in MySQL or PostgreSQL: schema design, indexing, transactions and query tuning.
Hands-on experience with an event or message broker (Kafka, RabbitMQ or similar).
Experience with authentication and API security: JWT, OTP, request validation and OWASP basics.
Comfortable with Docker and with deploying and debugging services on AWS (EC2, RDS, S3, load balancers).
Writes automated tests as part of normal work, and follows Git-based PR workflows.
Uses AI-assisted coding tools (Claude Code, GitHub Copilot, Cursor or similar) effectively and responsibly. Reviews, tests and understands all generated code before merging. Never pastes secrets or customer data into prompts.
Clear written communication in English, and able to work with mobile and frontend developers.
Fintech, lending or payments experience, especially with Philippine rails (GCash, InstaPay, PESONet) or Xendit.
Familiarity with BSP/SEC compliance, KYC flows or the Data Privacy Act.
Socket.IO or other WebSocket experience at scale.
KrakenD or another API gateway.
Terraform and AWS CodeBuild/CodeDeploy pipelines Azure DevOps Pipelines.
Redis for caching or rate limiting.
Push notifications (Firebase Cloud Messaging, Expo) and SMS gateways (M360).
AWS Rekognition or other identity verification and face matching services.
Observability with Sentry or New Relic.