Senior Java Developer
- Idexcel
- 6 - 11 years
- Bengaluru
- 17 days ago
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Job Description
Description
Senior Java Engineer Banking LOS, Financial Spreading & Agentic AI
Experience: 612+ Years
Employment Type: Full-Time
About the Role
We are looking for an experienced Senior Java Engineer with a strong background in enterprise banking and financial services to join our core engineering team. You will play a key role in designing and building our next-generation, AI-enabled Loan Origination System (LOS) and Financial Spreading platform used by banks and financial institutions. The ideal candidate brings deep expertise in Java/Spring Boot, AWS, enterprise-grade architecture, scalable microservices, performance engineering, and modernizing legacy banking applications. Experience in lending workflows, financial spreading, underwriting, credit risk, or core banking systems is highly preferred.
This is a strategic engineering role for someone passionate about transforming traditional banking systems and enabling Agentic AI-driven automation across origination, spreading, underwriting, and servicing.
Key Responsibilities
- Design, develop, and maintain mission-critical Java microservices using the latest Java LTS version and Spring Boot for LOS and Financial Spreading modules.
- Architect scalable, high-availability, and secure enterprise solutions on AWS using cloud-native design principles.
- Build and enhance modules for Financial Spreading including:
- Automated data ingestion from financial statements
- Standardization of borrower-provided formats (monthly, quarterly, annual)
- Financial ratio calculations and analytics
- TTM, YoY, Run-rate, and covenant metrics
- Integrate Agentic AI capabilities to automate underwriting and spreading workflows, including:
- AI-powered document intelligence for statement extraction
- AI agents for spreading analysis, trends, variance, and credit insights
- Automated underwriting task orchestration and recommendation engines
- Lead modernization initiatives transitioning legacy banking systems to microservices, event-driven, and API-first architecture.
- Drive application performance tuning, including memory management, GC tuning, async processing, load testing, latency reduction, and resiliency patterns.
- Ensure bank-grade security, compliance, and data governance (SOC2, PCI, FFIEC, NIST).
- Collaborate with Product, Architecture, DevOps, and AI/ML teams to deliver high-quality, enterprise-ready releases.
- Mentor and guide junior engineers, perform code reviews, and enforce engineering best practices.
Required Skills & Qualifications
- 612+ years of hands-on Java engineering experience with strong command of Java 17+ (or latest LTS).
- Strong expertise with Spring Boot, Spring Cloud, Spring Security, and microservices design patterns.
- Deep experience delivering enterprise platforms for Banks, Financial Services, Lending, LOS, Credit, or Risk systems.
- Strong AWS proficiency across ECS/EKS, Lambda, API Gateway, S3, RDS/Aurora, DynamoDB/Redis, KMS, SQS/SNS, CloudWatch, IAM.
- Proven track record in scalability, performance tuning, and optimization of high-volume, low-latency financial systems.
- Experience with Financial Spreading or Credit/Risk platforms (e.g., nCino, Moodys, Abrigo, Baker Hill, Finastra, Temenos, AFS, FIS, or similar) is a major advantage.
- Strong RDBMS and NoSQL experience (PostgreSQL/MySQL + Redis/DynamoDB).
- Hands-on experience with Docker, Kubernetes, CI/CD pipelines, and DevOps practices.
- Familiarity with AI/ML integration into enterprise applications (APIs, LangChain/Spring AI, vector DB concepts).
- Experience working in Agile/Scrum environments.
Preferred / Good to Have
- Experience with credit underwriting, spreading, portfolio monitoring, or covenant systems.
- Prior work building risk decision engines, workflow orchestration, KYC/AML, or regulatory compliance systems.
- Knowledge of Domain-Driven Design (DDD), Hexagonal/Clean Architecture, or event orchestration (Temporal, Step Functions, Camunda).
- Exposure to event streaming (Kafka) and enterprise-grade integration patterns.
- Experience in refactoring monolithic banking applications into cloud-native microservices.
Soft Skills
- Strong communication, stakeholder engagement, and cross-functional collaboration skills.
- Ability to operate in a fast-paced, product-driven environment with high ownership.
- Enterprise mindset with a passion for innovation and transforming legacy banking processes.
- Leadership qualities to influence architecture decisions and elevate engineering culture.
What We Offer
- Opportunity to build an AI-first LOS and Financial Spreading platform redefining how banks originate, underwrite, and service loans.
- Work on modern engineering challengesscalability, data intelligence, cloud transformation, and agent-driven automation.
- Competitive compensation, performance incentives, and growth path to Lead Engineer, Principal Engineer, or Engineering Manager roles.
Thanks & Regards
Aishwarya J
7337692***
ai********j@id****l.com
Job Classification
Industry: Software ProductFunctional Area / Department: BFSI, Investments & TradingRole Category: BFSI, Investments & Trading - OtherRole: BFSI, Investments & Trading - OtherEmployement Type: Full timeContact Details:
Company: IdexcelLocation(s): Bengaluru
Keyskills: Advanced Java Java JUnit Mockito Jmockit Spring Boot J2Ee AWS Microservices
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