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).