Senior Backend Engineer (Java - Collections)

Responsibilities

• Responsible for the design and development of back-end systems for internet financial credit products, including lending, repayment, and collections platforms, continuously adapting to business changes and user needs.
• Design and implement the financial middle platform supporting loan lifecycle management, repayment, delinquency tracking, and collections operations.
• Conduct requirement analysis, high-level design, detailed design, functional development, and technical documentation for projects.
• Perform daily system maintenance, identify existing issues, and implement continuous optimization and improvements.
• Participate in the development of credit and collections backend systems, including DPD management, customer segmentation, and collection strategy execution.
• Design and implement collection case allocation mechanisms, enabling cases to be distributed based on risk level, DPD, balance, customer profile, and collection stage.
• Work with or design rule engines / strategy engines to support automated decisioning for collection workflows, such as assignment rules, contact strategies, escalation logic, and agent routing.
• Support integration with dialer systems, SMS/WhatsApp, and payment channels to enable end-to-end collections execution.

Requirements

• Bachelor’s degree or above in Computer Science or a related field, with 5+ years of Java development experience; experience in leading tech companies in China is preferred.
• Strong foundation in Java, familiar with J2EE architecture, and proficient in IO, multithreading, collections, and other core frameworks; knowledgeable in distributed systems, caching, and messaging mechanisms.
• Strong skills in system analysis and architectural design, with practical experience in software system analysis and design methodologies.
• Proficient in Spring Cloud, Dubbo, MyBatis frameworks, familiar with unit testing and TDD, as well as Linux and UML.
• Skilled in MySQL database usage and capable of optimizing its performance.
• Hands‑on experience with credit or collections systems is a strong plus, including delinquency management, repayment tracking, and customer risk segmentation.
• Experience with rule engines or decision engines (e.g., Drools, self‑built rule engines, or strategy orchestration platforms) is preferred, especially for collections strategy, case allocation, or risk control workflows.
• Understanding of collection processes such as DPD buckets, roll rates, recovery strategies, and agent assignment models is a plus.
• Excellent logical analysis, communication, and quick learning abilities; highly responsible, proactive, and able to work under pressure with strong team collaboration skills.
• Experience in internet financial credit product‑related projects is preferred.
• A sense of product ownership is an advantage.
• Proficient in English and able to use it as a working language.