バックエンドエンジニア（審査/債権システム）

The role

This person will design, develop, and operate core systems related to credit screening, credit granting, and debt management. They will work on mission-critical areas including data linkage with external credit agencies and risk management logic implementation.

What you will do

• Design, development, and operation of core systems related to screening, credit granting, and debt management
• Development of data linkage infrastructure and usage history acquisition processing with external credit agencies
• Implementation of risk management logic such as credit setting by scoring, fraud detection, and AML response
• Development of high-precision screening functions using real-time and large-scale data processing
• Development of operational efficiency functions such as customer search and collection target extraction in debt management
• System design that balances high security with stable transaction processing

Required qualifications

• Experience in Web application and API development using Java, Kotlin, or Go
• Experience in business system development using RDBMS (especially understanding of transaction processing)
• Experience in design and implementation of RESTful API and gRPC
• Experience in team development using Git

Nice to have

• Experience in development of financial, credit, or payment related systems
• Deep understanding of Java-based frameworks such as Spring Boot
• Experience in optimization of large-scale traffic processing or batch processing
• Experience in development and operation in cloud environments such as AWS or GCP
• Experience as a team leader or tech lead
• Experience in consistent involvement from basic design to operation and maintenance
• Practical experience using Generative AI for design, coding, test code generation, and document creation

Benefits

• Social insurance (health insurance, welfare pension, employment insurance, workers' accident compensation insurance)
• Corporate-type defined contribution pension plan
• Asset formation savings system (general, housing, and pension)
• Annual paid leave (14 days in the first year, pro-rated depending on the month of joining)
• Personal leave (5 days every year, or 3 or 5 days in the first year depending on the month of joining)
• Overtime allowance
• Late-night work allowance
• Commuting transportation expenses

Before you apply

• Must fit the PayPay 5 senses

About the company

PayPay Card Co., Ltd. was established in 2021 to provide fintech services that are closer and more convenient for users by integrating with the PayPay payment platform.