- Workplace
- Onsite
- Type
- Full-time
- Department
- IT
- Seniority
- Mid
- Experience
- 3+ years
- Closing date
- Today
- Source
- Vincere
Description
KEY RESPONSIBILITIES
You will:
- Build and maintain the services that match lenders and borrowers: lender profiles, published loan configurations and their constraints, and borrowerfacing loan discovery.
- Own the loan lifecycle end to end: application, approval, disbursement, repayment schedules, extensions, overdue handling and demand letters.
- Build lender tools: cash bond balance and history, portfolio and outstanding balance views, and payment history.
- Implement fee, interest and convenience-fee calculations precisely, with tests that cover edge cases and rounding.
- Support KYC, account upgrades (borrower to lender) and credit score features with the admin and compliance teams.
- Build reliable money-movement flows with payment partners (NetGlobal, Finscore, BillEase, ECPay, Giftaway), with idempotency, retries and
reconciliation. - Keep complete audit trails for every financial transaction, status change, and admin action.
- Model data and write performant SQL on MySQL 8 (AWS RDS), including schema changes and safe migrations.
- Design, build and maintain REST APIs in Express + TypeScript across the lending, transaction, user, partner, notification, messaging and admin
services. - Publish and consume events on Kafka between services and keep message contracts versioned and documented.
- Build real-time features with Socket.IO, such as live chat and ticket updates between borrowers, lenders and support.
- Configure routes on the KrakenD API gateway, and document endpoints with Swagger/OpenAPI for the mobile and admin teams.
- Deliver push (Firebase, Expo) and SMS (M360) notifications for loan events, due dates and OTPs.
- Implement secure auth flows: JWT, OTP, MPIN, account lockout and device checks.
- Protect borrower and lender personal data in line with the Data Privacy Act.
- Validate all input with Zod and follow OWASP practices.
- Write unit and integration tests (Mocha, Chai, Supertest) and keep build validation passing.
- Ship services as Docker containers through AWS CodeBuild/CodeDeploy to EC2 behind load balancers.
- Monitor production with Sentry, take part in incident response, and fix root causes.
- Use AI-assisted tools (Claude Code, GitHub Copilot, Cursor) for coding, test writing, code review and documentation. Verify all output before
merging. - Review pull requests in Azure DevOps, write technical docs, and mentor junior developers.
- Work with product, QA, mobile and admin-portal developers in sprint planning, estimates and releases.
QUALIFICATIONS:
- 3–5 years of professional backend development experience.
- Strong TypeScript and Node.js (v20+), including async patterns, error handling and project structure.
- Production experience building REST APIs with Express or a similar framework.
- Solid relational database skills in MySQL or PostgreSQL: schema design, indexing, transactions and query tuning.
- Hands-on experience with an event or message broker (Kafka, RabbitMQ or similar).
- Experience with authentication and API security: JWT, OTP, request validation and OWASP basics.
- Comfortable with Docker and with deploying and debugging services on AWS (EC2, RDS, S3, load balancers).
- Writes automated tests as part of normal work, and follows Git-based PR workflows.
- Uses AI-assisted coding tools (Claude Code, GitHub Copilot, Cursor or similar) effectively and responsibly. Reviews, tests and understands all generated code before merging. Never pastes secrets or customer data into prompts.
- Clear written communication in English, and able to work with mobile and frontend developers.
- Fintech, lending or payments experience, especially with Philippine rails (GCash, InstaPay, PESONet) or Xendit.
- Familiarity with BSP/SEC compliance, KYC flows or the Data Privacy Act.
- Socket.IO or other WebSocket experience at scale.
- KrakenD or another API gateway.
- Terraform and AWS CodeBuild/CodeDeploy pipelines; Azure DevOps Pipelines.
- Redis for caching or rate limiting.
- Push notifications (Firebase Cloud Messaging, Expo) and SMS gateways (M360).
- AWS Rekognition or other identity verification and face matching services.
- Observability with Sentry or New Relic.
Work Schedule: Day Shift (9:00 AM to 6:00 PM )
Work Set-up: Full-onsite, Santolan, Pasig
Skills
TypeScriptNode.jsAWSAzureDockerTerraformSQLPostgreSQLMySQLRedisFirebaseGitGitHubRESTWebSocketDevOpsKYCCompliance