Java Developer

Astra Tech · Abu Dhabi, Abu Dhabi Emirate, United Arab Emirates

Public Relations and Communications Services · 11-50 employees

May 01

Mid (2-5 yrs) Full-time United Arab Emirates

About the role

The Java Developer will design and maintain credit risk systems covering the full loan lifecycle while ensuring compliance with financial regulations. Responsibilities include building high-availability microservices, integrating machine learning models for real-time scoring, and managing data security.

What they look for

Java Spring Boot Spring Cloud Microservices MySQL Redis Flink Spark Credit Risk Management API Development Data Security MyBatis Spring Data JPA Rule Engines Financial Compliance System Architecture

Requirements

Candidates must hold a Bachelor's degree in CS, Software, or FinTech with at least 3 years of backend development experience, including 1.5 years in financial credit risk. Proficiency in Java, Spring ecosystems, and experience with distributed systems and financial data processing is required.

Full description

Java Developer - Financial Credit Risk Control

Location – Abu Dhabi

About The Role

Focus on financial credit scenarios (personal consumer credit, corporate credit, supply chain finance). Design, develop, and iterate Java-based credit risk systems (full lifecycle: pre-loan → in-loan → post-loan). Mitigate credit/fraud/compliance risks, protect financial assets, and ensure compliance with 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 (pre-loan ≤300ms response, post-loan ≤500ms) for peak concurrency (thousands of requests/sec).

· Use Java ecosystems (Spring Boot/Cloud Alibaba, Nacos, Apollo, Seata) to ensure microservice stability and data consistency (e.g., prevent duplicate loans).

· Translate risk rules (CBIRC compliance, blacklists) and scoring models (A/B/C cards) into Java code.

· Develop a dynamic rule platform (online editing, grayscale release) and optimize efficiency (Redis caching, async computing).Integrate ML models (TensorFlow/PyTorch) as RESTful APIs for real-time scoring.

· Connect to financial data sources (central bank credit, third-party providers like BaiRong) via MyBatis/Spring Data JPA; build risk data marts.

· Develop real-time dashboards (track NPL, M1/M3, fraud rate) and regulatory alerts (15-minute response).

· Process batch data with Flink/Spark (monthly credit sync, repayment calculations).

· Compliance & Security

· Implement data security (desensitization, RBAC, audit logs) to meet Personal Information Protection Law.

· Support regulatory audits (AML, Internet Loan Measures) and fix system vulnerabilities (SQL injection, API bypass).

Requirements

· Bachelor’s in CS/Software/FinTech; 3+ years backend dev, 1.5+ years in financial credit risk (banks/consumer finance/fintech).

· Proficiency in Java (JDK 11+): JVM tuning, concurrency (ThreadPool); familiar with Spring Boot/Cloud, Seata, MySQL (sharding), Redis (cluster).

· Core Skills

· Experience in Java credit risk systems (full lifecycle) and rule engines (Drools/Easy Rules) preferred.

· Familiar with Flink/Spark for real-time/batch data; ability to design high-availability microservices (circuit breaking, distributed locks).

· Knowledge of financial security (API signature, SM4/SM2) and regulatory requirements (Cybersecurity Law).

Preferred

· Experience in bank/fintech core credit systems

· ML model engineering (TensorFlow → Java APIs) or certifications (FRM, CISP, CFA).