Senior Software Engineer - Credit

The role

You will design, build, and operate high-reliability backend services for credit products. You will work primarily in Go to power loan origination, underwriting, repayment, and collections.

What you will do

• Design, build and operate high-reliability backend services for credit products.
• Make architectural calls regarding data residency, service boundaries, and state-machine design.
• Own services in production through instrumentation, monitoring, and debugging.
• Translate credit-domain requirements into clean, testable, maintainable code with product and compliance.
• Use AI coding tools to accelerate delivery and improve test coverage.
• Contribute to growing the tribe by setting engineering culture and reviewing work.

Required qualifications

• Strong backend engineering in Go.
• Meaningful fintech experience.
• Exposure to credit products such as lending, underwriting, repayment, or collections.
• Solid grasp of distributed systems design including event-driven architecture, service boundaries, data consistency, and failure modes.
• Ability to operate with autonomy in an environment where the spec is not fully finished.

Nice to have

• Java experience
• Direct experience building credit decisioning, risk scoring, or loan management systems.
• Experience in a high-growth startup or scale-up where you helped establish engineering foundations from scratch.
• Familiarity with regulatory and compliance constraints specific to consumer credit.

About the company

LemFi is a financial engine for people who move countries to build something better. They provide remittances, multi-currency accounts, Savings, eSIMs and Credit.