Back End Engineer (Credit) - Sea Labs

Sea; Jakarta Pusat; On-site; IDR 260,000,000 - 480,000,000; Full time

Job summary

Monee in Southeast Asia is seeking engineers to design and develop credit systems across multiple countries, including user acquisition, credit approval, underwriting, and financial accounting.

Build scalable, high-throughput systems that serve hundreds of millions of users with strong data protection, risk controls, and AI-enabled productivity enhancements.

Qualifications

• Bachelor’s degree or above with at least one year of backend development experience.
• Proficiency in Go, C++, or Java with understanding of data structures and concurrent programming.
• Hands-on experience with Redis, Kafka, and etcd, etc and a foundational understanding of how they work.
• Familiarity with distributed architecture, networking, and data transmission protocols.
• Experience using AI to improve testing, debugging, incident response, code quality, or production operations.
• Experience in credit, investment, risk management, or other financial systems.

Responsibilities

• Participate in the design and development of credit systems across multiple countries, including user acquisition, credit approval and underwriting, core transactions, account reconciliation, funding partner integrations, risk control, promotion, and financial accounting.
• Build highly available, scalable systems that support hundreds of millions of users and high transaction volumes with proper security and risk controls.
• Design system workflows, data protection measures, and deployment strategies in line with each country’s regulatory requirements.
• Have a solid understanding of AI and use AI effectively to improve coding, testing, and other day-to-day work.

Skills

Backend development

Programming languages (Go/C++/Java)

Problem solving

Cloud and distributed systems

Education

Bachelor's degree or above

Tools

Redis

Kafka

etcd

Job description

About the Team

Monee is a leading digital payments and financial services provider in Southeast Asia, with a growing presence in Latin America. Monee delivers a comprehensive range of digital financial products and services, including mobile wallets, payment processing, credit, banking, and insurtech.

At Monee, engineers work directly on our core business, product innovation, and infrastructure. We help turn proven capabilities into platforms that can scale, while also building new markets, products, and financial services from the ground up.

Our financial business operates across multiple markets at scale, bringing complex, real-world engineering challenges—from high-throughput systems and safeguarding funds to global architecture and regulatory compliance. It also creates ample room for engineering innovation in the age of AI.

We’re looking for talented engineers with strong fundamentals, a passion for learning, and a curiosity about solving complex problems.

Job Description

• Participate in the design and development of credit systems across multiple countries, including user acquisition, credit approval and underwriting, core transactions, account reconciliation, funding partner integrations, risk control, promotion, and financial accounting.
• Build highly available, scalable systems that support hundreds of millions of users and high transaction volumes. Ensure transaction consistency, reliable accounting, effective risk controls, and the security of funds.
• Design system workflows, data protection measures, and deployment strategies in line with each country’s regulatory requirements.
• Have a solid understanding of AI and use AI effectively to improve coding, testing, and other day-to-day work.

Requirements

• Bachelor’s degree or above, with at least one year of backend development experience.
• Proficiency in at least one of Go, C++, or Java, along with a strong grasp of common data structures, algorithms, and concurrent programming.
• Proficiency in database consistency and performance optimization, with hands‑on experience using common middleware such as Redis, Kafka, and etcd, etc and a foundational understanding of how they work.
• Familiarity with distributed architecture and its underlying principles, as well as common networking and data transmission protocols.
• Experience using AI to improve testing, debugging, incident response, code quality, or production operations.
• Experience in credit, investment, risk management, or other financial systems.
• AI Native mindset and excellent practice