Senior Backend Engineer — AI‑Driven Credit Risk & Fraud

Clara Lending Co.; Bogotá; On-site; COP 110,000,000 - 190,000,000; Full time

Benefits offered by this job

Stock options (ESOP)

Annual learning budget

English as working language

Hybrid-friendly culture

Job summary

Clara Lending Co. in Bogotá is seeking a Senior Backend Engineer to lead risk, credit decisioning, and fraud-prevention services, building scalable microservices and reliable APIs.

You will own integrations with external data providers and credit bureaus, shaping architecture for performance and scale. You will collaborate with Product, Data, Fraud, and Compliance teams across geographies, apply AI tools to accelerate delivery, and mentor peers through code reviews and pair programming.

Qualifications

• 5+ years of backend development experience.
• Strong foundation in Java and Spring Boot.
• Microservices architecture with event-driven systems using Kafka.
• Familiarity with cloud platforms, preferably AWS.
• English proficiency for cross-geography technical discussions.
• High autonomy, proactivity, ownership mindset.

Responsibilities

• Designing and building the services behind credit risk assessment, limit management, and fraud prevention, where decisions need to be fast, traceable, and right.
• Owning integrations with credit bureaus and external data providers, abstracting their complexity behind clean, resilient internal APIs.
• Building event-driven flows that process high volumes of risk signals reliably, from ingestion to the decisions that depend on them.
• Collaborating across the full product lifecycle, from ideation to deployment
• Maintaining and evolving microservices within a modern architecture
• Elevating the team through code reviews, pairing, and sharing what you know with peers
• Driving cross-team problem-solving and architectural discussions
• Applying AI tools to ship faster and improve how the team works

Skills

Java

Spring Boot

Microservices

Cloud AWS

English proficiency

Ownership mindset

AI tooling familiarity

Tools

Kafka

Job description

Clara Lending Co. in Bogotá is seeking a Senior Backend Engineer to lead risk, credit decisioning, and fraud-prevention services, building scalable microservices and reliable APIs.

You will own integrations with external data providers and credit bureaus, shaping architecture for performance and scale. You will collaborate with Product, Data, Fraud, and Compliance teams across geographies, apply AI tools to accelerate delivery, and mentor peers through code reviews and pair programming.