Backend Engineer (Lending)

BukuWarung; Jakarta Pusat; On-site; IDR 600,000,000 - 1,200,000,000; Full time

Job summary

BukuWarung is hiring an SDE II in Lending Engineering to design and scale our lending platform across origination, disbursement, and repayment. You will build reliable systems with strong data consistency and integrate with external financial partners.

You will work in a Hexagonal Architecture, enabling automated underwriting and scalable decisioning while ensuring fault-tolerant operations and clean, testable code. Join us to impact merchants accessing credit at scale.

Qualifications

• 3–6 years of backend engineering experience in distributed or financial domains.
• Strong emphasis on reliability, consistency, and maintainability.
• Experience with asynchronous or reactive programming is preferred.
• Solid understanding of Hexagonal/Clean Architecture and event-driven design.
• Experience with PostgreSQL and transactional integrity in distributed systems.

Responsibilities

• Design and deliver core lending features across origination, disbursement, repayment, and reconciliation.
• Ensure data integrity across distributed services in financial transactions.
• Build robust integrations with payment gateways, banks, and credit bureaus.
• Contribute to underwriting foundations enabling future automation of credit decisions.
• Improve fault tolerance, idempotency, and recovery in financial operations.
• Design schemas and manage database evolution with PostgreSQL and Flyway.
• Leverage Kafka for asynchronous processing and decoupled communication.
• Write clean, testable code and participate in code reviews to raise standards.

Skills

Scalability mindset

Reactive / asynchronous processing

Distributed systems principles

Java expertise

Tools

Java 11+

Spring Boot

PostgreSQL

Kafka

WebFlux

R2DBC

AWS

Docker

Flyway

Job description

About the Role

At BukuWarung, we are building the financial backbone for millions of underserved merchants. As an SDE II in Lending Engineering, you will design and scale systems that power our lending products—ensuring a seamless user experience, strong data consistency, and reliable integrations with external financial partners.

Your work will directly impact how merchants access and interact with credit, from application to disbursement and repayment. Beyond building features, you will help lay the foundation for a scalable lending platform that can evolve toward automated underwriting and intelligent decisioning.

The Mission

We are entering a critical phase where scalability, reliability, and data integrity are essential. You will work within a Hexagonal Architecture to ensure our lending platform can scale sustainably while remaining resilient and maintainable.

Our goal is to build a system that not only handles growing transaction volumes but also integrates deeply with partners and internal data sources—ultimately enabling us to develop our own underwriting capabilities and automate credit decisions at scale.

What You’ll Do

• Build Scalable Lending Systems : Design and deliver core features across the lending lifecycle, including loan origination, disbursement, repayment, and reconciliation.

• Java Mastery: Strong proficiency in Java (11+) and modern Spring Boot.

• Ensure Data Consistency: Develop systems that maintain strong data integrity across distributed services, especially in financial transactions and state transitions.

• Partner Integrations: Build and manage robust integrations with external partners such as payment gateways, banks, and credit bureaus.

• Platform Evolution: Contribute to the foundation for underwriting systems, enabling future automation of credit risk assessment and decisioning.

• System Reliability: Improve fault tolerance, idempotency, and recovery mechanisms to ensure reliable financial operations.

• Data & Storage: Own schema design and manage database evolution using PostgreSQL and Flyway, ensuring performance and correctness at scale.

• Event-Driven Systems: Leverage Kafka for asynchronous processing, auditability, and decoupled service communication.

• Quality & Mentorship: Write clean, testable code and raise engineering standards through thoughtful code and design reviews.

What We’re Looking For

• Experience: 3–6 years of backend engineering, with experience in distributed systems or financial domains preferred.

• Scalability Mindset: Experience designing systems that prioritize reliability, consistency, and maintainability over time.

• Reactive & Async Processing: Familiarity with asynchronous or reactive programming (WebFlux, Kafka-driven systems); R2DBC is a plus.

• Architecture: Solid understanding of Hexagonal/Clean Architecture and event-driven design patterns.

• Data & Transactions: Experience working with relational databases (PostgreSQL) and handling transactional integrity in distributed systems.

• Cloud & Infrastructure: Comfortable working within AWS (S3, Lambda, Secrets Manager) and containerized environments (Docker).

• Integration Experience: Hands‑on experience integrating with external APIs or third‑party systems in a reliable and secure manner.