Senior Java Developer

Description

Senior Java Engineer Banking LOS, Financial Spreading & Agentic AI

Experience:

Employment Type:

About the Role

Senior Java Engineer

Agentic AI-driven automation

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, Moody’s, 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 challenges—scalability, 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

7337692370

aishwarya.j@idexcel.com