Back End Engineer (Credit) - Sea Labs

Monee; Jakarta Pusat; Sur place; IDR 180 000 000 - 280 000 000; Plein temps

Résumé du poste

Monee, a leading digital payments and financial services provider in Southeast Asia, invites an experienced backend engineer to join our Jakarta team. You will design and build credit systems across multiple countries, focus on scalability, data integrity, and secure funds flow while collaborating with product and risk teams.

We value AI-forward engineers who apply intelligent tooling to testing, debugging, deployment, and operational excellence in high-throughput environments.

Qualifications

• Bachelor’s degree or higher; at least 1 year backend development experience.
• Proficiency in Go, C++, or Java and knowledge of data structures and algorithms.
• Experience with Redis, Kafka, and etcd; understanding middleware.
• Familiarity with distributed architecture and networking basics.
• Experience using AI to improve testing, debugging, incident response, or production ops.
• Experience in credit, investment, risk management, or financial systems.

Responsabilités

• 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.

Connaissances

Go

C++

Java

Data structures

Algorithms

Concurrent programming

AI in testing

Formation

Bachelor's degree

Outils

Redis

Kafka

Etcd

Description du poste

Experienced (Individual Contributor) Jakarta

About Monee

Monee is a leading digital payments and financial services provider in Southeast Asia, with a growing presence in Latin America. Its mission is to better the lives of individuals and businesses in the region with financial services through technology.

Monee delivers a comprehensive range of digital financial products and services, including mobile wallets, payment processing, credit, banking, and insurtech. By leveraging technology and strategic partnerships, Monee aims to drive greater digital financial inclusion, convenience, and accessibility for individuals and small businesses across Southeast Asia and Latin America.

Monee is part of Sea Limited, a global technology company.

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