Java Developer - Financial Credit Risk Control

Java Developer - Financial Credit Risk Control

About The Role

Focus on financial credit scenarios (personal consumer credit, corporate credit, supply chain finance). Design, develop, and iterate Java-based credit risk systems (full lifecycle: pre-loan → in-loan → post-loan). Mitigate credit/fraud/compliance risks, protect financial assets, and ensure compliance with CBIRC/PBOC regulations.

Key Responsibilities

• Build Java-based credit risk systems (approval, anti-fraud, post-loan monitoring) to support credit applications, line reviews, and overdue collection.
• Design high-availability APIs (pre-loan ≤300ms response, post-loan ≤500ms) for peak concurrency (thousands of requests/sec).
• Use Java ecosystems (Spring Boot/Cloud Alibaba, Nacos, Apollo, Seata) to ensure microservice stability and data consistency (e.g., prevent duplicate loans).
• Translate risk rules (CBIRC compliance, blacklists) and scoring models (...