Senior Full-Stack Engineer (Java+React)

Bhawana Capital Private Limited; Gurugram District; On-site; INR 3,000,000 - 4,500,000; Full time

Job summary

Bhawana Capital Private Limited is building the LMS to manage loans originated through LSPs in India. You will design and ship backend Java/Spring services and React operations/partner UIs with modern tech, ensuring production-grade quality, test coverage, and observability.

You’ll leverage AI copilots to speed delivery while staying accountable for security and maintainability. The role demands 5+ years in Java/Spring and 3+ years in React, strong REST and microservices experience, and fluency

Qualifications

• 5+ years building production systems in Java (17+) and the Spring ecosystem.
• 3+ years of hands-on React user interfaces, rendering, forms at scale.
• Fluency with AI coding assistants as part of daily workflow and review.
• Clean-code habits with testable, maintainable code and good documentation.
• Experience with distributed systems, microservices, REST design, and debugging under load.

Responsibilities

• Design and build the LMS end-to-end — Java/Spring backend and React UIs.
• Deliver production-grade code with PR reviews, tests, and observability.
• Work with AI tools to accelerate implementation while ensuring correctness and security.
• Refine feature specs, break them into JIRA stories and define acceptance criteria.
• Own features across the stack from event contracts to React screens used by staff.

Skills

Java

Spring

React

REST APIs

Kafka

Docker

Kubernetes

Microservices

OpenAPI

JIRA

CI/CD

Testing

AI tooling

Tools

Kibana

Elastic APM

Prometheus

Grafana

Kafka

Docker

Kubernetes

MySQL

PostgreSQL

MongoDB

ElasticSearch

OpenAPI

Job description

About the project

Bhawana is a greenfield build — You will help design and ship the Bhawana Loan Management System (LMS), the central platform Bhawana Capital uses to manage loans originated through Lending Service Providers (LSPs) in India. The stack spans partner APIs, an internal operations UI, LSP self-service screens, automated underwriting, disbursement, EMI servicing, and regulatory reporting. The team is small, senior, and moves fast. We work in a spec-first, AI-augmented way: specifications are authored with AI assistance (Spec Kit), code is written and reviewed with AI copilots in the loop, and we expect every developer to use these tools fluently to raise their throughput and quality — not replace their judgement.

Responsibilities

Together with Lead Engineer and Tech Lead, design and build the LMS end-to-end — Java/Spring backend services and React operations/partner UIs — on the latest technologies.

Deliver production-grade code: pull-request reviews, high test coverage and production observability (Kibana, Elastic APM, Prometheus/Grafana).

Work effectively with AI coding assistants — use them to accelerate implementation, review, refactoring, and documentation while remaining accountable for the correctness, security, and maintainability of everything that ships.

Contribute to the spec-first workflow: read and refine feature specifications, break specs into JIRA stories, flag missing scope early.

Own features across the stack — from Kafka event contracts and REST endpoints down to the React screens partner staff and Bhawana operators actually use.

Go the extra mile: stay current on tooling and techniques (including AI tooling), share what you learn, and push technical improvements proactively.

Required skills and experience

5+ years building production systems in Java (17+) and the Spring ecosystem (Boot, REST, JPA/Data, Security, Integration). You know why @Transactional is more subtle than it looks, you have debugged classloader and GC issues in anger, and you can reason about JVM behaviour under load.

3+ years of hands-on React user interfaces — not prototypes, not admin screens generated from a template. You understand rendering, state, forms at scale, accessibility, and the cost of every dependency you add.

Demonstrable fluency with AI coding assistants (e.g. GitHub Copilot, Claude, Cursor, Codex, or equivalent) as part of your daily workflow — able to prompt effectively, review AI output critically, and know when not to trust it.

Clean-code habits: patterns/anti-patterns awareness, well-structured, testable, maintainable, documented code.

Distributed-systems maturity — you reason about failure modes, retries, backoff, poison messages, and what happens when the network partitions during a disbursement.

You’ve built and operated microservices in production and know when not to use them. Solid grasp of REST API design, integrations, refactoring, secure coding, APM and troubleshooting.

Understanding JIRA and able to write specifications there with Acceptance Criteria.

Hands-on experience with asynchronous messaging (Kafka or other) Analytical and problem-solving skills — able to break down complex domain problems and communicate solutions clearly.

6+ years in lending technology or NBFC/bank ops-tech roles, with at least one LMS/LOS implementation done end to end (FinnOne, Pennant, Lentra, M2P, Finflux or similar - lender side or vendor side) Knows the RBI digital lending guidelines well enough to spec a KFS or an FLDG ledger without being handed the circular.

Strong team player, comfortable working independently, solid written and spoken English.

Nice to have

Familiarity with microservice architecture, event sourcing, distributed systems, authentication (OAuth 2.0 / OIDC).

Experience with multi-tenant SaaS or B2B2C platforms (partner isolation, tenant-scoped data access).

Financial-services or lending-domain background (loans, EMI, disbursement, DPD, collections).

Working knowledge of: Kafka, Docker, Kubernetes, Camunda BPM, Kotlin, Liquibase, Kibana, Elastic APM, MySQL, PostgreSQL, MongoDB, ElasticSearch, Prometheus, Grafana.

Frontend depth: state management (Redux Toolkit / Zustand / React Query), component libraries, accessibility, i18n.

Experience with spec-driven or contract-first development (OpenAPI, AsyncAPI, Avro).

Comfort with Gitflow, SonarQube, Maven/Gradle, Swagger/OpenAPI, JIRA, GitHub)

What this role is not

Not a vibecoding job. We don’t ship prompt output blindly, we don’t measure velocity by tokens, and we don’t accept "the AI wrote it" as an answer in review, we are working in highly regulated sector.

Not ticket-in / PR-out. You’ll be expected to influence architecture, not just implement it.

Not front-of-house UI polish. The React work is operational and partner-facing; correctness and clarity matter more than pixel perfection.

What we offer

• A Truly Global Workplace – collaborate with 40+ nationalities across 25+ countries, embracing diversity, inclusion, and cross-cultural innovation
• Hybrid & Flexible Work – balance your life and career with remote-friendly policies and modern offices across Europe
• A Culture of Growth – accelerate your development with access to LinkedIn Learning, structured mentorship, and internal leadership programmes (HiPo & People Leader tracks)
• Workation Programme – work remotely from abroad for up to 2 months per year and experience new cultures while staying connected and productive
• Financial Growth Opportunities – invest in your future with our share purchase matching programme, doubling your contributions and fostering long-term rewards
• Medical Coverage – group medical insurance covering hospitalisation and essential care
• Accident Protection – personal accident insurance for peace of mind

We may use artificial intelligence (AI) tools to support specific parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses against predefined criteria. These tools assist our recruitment team but do not replace human judgment. All final hiring decisions are made by human recruiters. By proceeding to apply for a job with us, you confirm that you have read and accepted our Recruitment Privacy Policy

At Multitude, we’re more than just a European FinTech company listed on the Frankfurt Stock Exchange – we’re a global team shaping the future of finance. With 700+ professionals based in over 20 locations, we combine diverse perspectives and expertise to deliver digital lending and online banking solutions that empower consumers, SMEs, and FinTechs worldwide. Through our Growth Platform, we operate three dynamic business units: Ferratum – seamless mobile banking for consumers CapitalBox – flexible financing solutions for SMEs Multitude Bank – tailored support for non-bank lenders and FinTechs In 2025, we generated €256.9 million in revenue and €26.6 million in net profit, reflecting our strong performance, continued innovation, and commitment to delivering sustainable growth. But what truly sets us apart is our culture. At Multitude, our people are our greatest asset. We foster a dynamic, inclusive, and supportive environment where talent thrives, ideas are valued, and growth is encouraged – both personally and professionally. If you’re ready to make an impact and grow your career in a company that’s redefining financial services, your journey starts here at Multitude.