Senior Software Engineer, Lending

About Airwallex
Airwallex is the only unified payments and financial platform for global businesses. Powered by our unique combination of proprietary infrastructure and software, we empower over 200,000 businesses worldwide - including Brex, Rippling, Navan, Qantas, SHEIN and many more - with fully integrated solutions to manage everything from business accounts, payments, spend management and treasury, to embedded finance at a global scale.
Proudly founded in Melbourne, we have a team of over 2,000 of the brightest and most innovative people in tech across 26 offices around the globe. Valued at US$8 billion and backed by world-leading investors including T. Rowe Price, Visa, Mastercard, Robinhood Ventures, Sequoia, Salesforce Ventures, DST Global, and Lone Pine Capital, Airwallex is leading the charge in building the global payments and financial platform of the future. If you're ready to do the most ambitious work of your career, join us.
Attributes We Value
We hire successful builders with founder-like energy who want real impact, accelerated learning, and true ownership. You bring strong role-related expertise and sharp thinking, and you're motivated by our mission and operating principles. You move fast with good judgment, dig deep with curiosity, and make decisions from first principles, balancing speed and rigor.
You're humble and collaborative; turn zero-to-one ideas into real products, and you "get stuff done" end-to-end. You use AI to work smarter and solve problems faster. Here, you'll tackle complex, high-visibility problems with exceptional teammates and grow your career as we build the future of global banking. If that sounds like you, let's build what's next.
About the team
Airwallex is building a state-of-the-art lending platform that empowers enterprise clients to offer innovative credit products to their customers, all through Airwallex's technology and infrastructure. Our Singapore-based Lending Engineering team owns the design, delivery, and scaling of our credit product portfolio for global enterprise clients. As part of this team, you'll directly influence the architecture, reliability, and ongoing evolution of our next-generation embedded lending platform.
What you'll do
As a Senior Software Engineer, you'll play a pivotal role in architecting, designing, and implementing large-scale, secure, and scalable systems for our lending platform. Your work will enable fast, seamless, and compliant credit experiences for our enterprise clients and their users while laying the technical foundation for future expansion into new financing products.
This role is based in Singapore.
Responsibilities:

• Design, develop, and maintain robust services powering lending, with a key focus on credit products.
• Build and maintain secure, scalable, and well-documented APIs that enable clients to seamlessly embed and consume our credit products within their own offerings.
• Lead design reviews, advice on systems architecture, and mentor a team of engineers to uphold high standards of code quality and technical excellence.
• Champion resilient, distributed systems design and best practices to ensure platform reliability and performance at global enterprise scale.
• Collaborate with cross-functional teams to deliver impactful and effective lending solutions.
• Promote robust automated testing, code review, and monitoring practices to ensure the stability, scalability, and security of our platform.
• Stay on top of industry trends and proactively drive improvements to platform architecture, engineering practices, and delivery efficiency.

Who you are
We're looking for people who meet the minimum qualifications for this role. The preferred qualifications are great to have, but are not mandatory.
Minimum qualifications:

• Bachelor's degree or above in Computer Science, Engineering, or a related technical field.
• 5+ years of hands-on experience in software engineering, with strong exposure to modern engineering practices, continuous integration, and quality engineering.
• At least 2 years in a technical leadership role, mentoring engineers and leading the definition and execution of engineering strategy.
• Strong computer science foundation and object-oriented programming skills, with proven experience building backend systems. While we do not mind what language you have most recently been using, we are primarily using Java or Kotlin and the Spring / Spring Boot framework.
• Extensive experience designing and building RESTful APIs, with familiarity in modern API design principles and tools.
• Experience with domain-driven design (DDD) and event-driven architectures in production environments.
• Proven track record designing and maintaining high-throughput, low-latency, highly available distributed systems at scale.
• Cloud experience with GCP (preferred) or AWS (EC2, RDS, ELB, CloudFront, etc.) with Docker and Kubernetes.
• Familiarity with observability tooling such as Splunk, Grafana, and Prometheus.

Preferred qualifications:

• Experience in financial services, lending, payments, or credit products
• Experience with SaaS product offering as a platform.

Applicant Safety Policy: Fraud and Third-Party Recruiters
To protect you from recruitment scams, please be aware that Airwallex will not ask for bank details, sensitive ID numbers (i.e. passport), or any form of payment during the application or interview process. All official communication will come from an @airwallex.com email address. Please apply only through careers.airwallex.com or our official LinkedIn page.
Airwallex does not accept unsolicited resumes from search firms/recruiters. Airwallex will not pay any fees to search firms/recruiters if a candidate is submitted by a search firm/recruiter unless an agreement has been entered into with respect to specific open position(s). Search firms/recruiters submitting resumes to Airwallex on an unsolicited basis shall be deemed to accept this condition, regardless of any other provision to the contrary.
Equal opportunity
Airwallex is proud to be an equal opportunity employer. We value diversity and anyone seeking employment at Airwallex is considered based on merit, qualifications, competence and talent. We don't regard color, religion, race, national origin, sexual orientation, ancestry, citizenship, sex, marital or family status, disability, gender, or any other legally protected status when making our hiring decisions. If you have a disability or special need that requires accommodation, please let us know.