Staff Software Engineer, Lending

ABOUT AIRWALLEX Airwallex is the AI-native financial operating system for a real-time, intelligent economy. More than 675,000 businesses, including McLaren Racing, Qantas, SHEIN, and TikTok, use us, directly or through our platform partners, to run their financial operations or build and monetize financial products of their own. We started in Melbourne in 2015 to build the infrastructure global commerce runs on. We're the regulated backbone behind global payments: not by accident, but by design. A decade plus, 85+ licenses, and a financial infrastructure spanning North America, Europe, the Middle East, and Asia-Pacific. We're co-headquartered in San Francisco and Singapore, with more than 2,700 people across 27 offices. We hire builders with founder-level energy, people who move fast with good judgment, dig in with real curiosity, and make calls from first principles rather than waiting to be told what to do. Read our operating principles https://www.airwallex.com/en-us/operating-principles to see it in full.   HOW YOU'LL MAKE IMPACT As a Staff Software Engineer, you’ll architect, design, and build secure, scalable systems that power Airwallex’s lending platform and enable seamless, compliant credit experiences for enterprise clients and their users. You’ll design and maintain robust services and APIs that allow clients to embed and consume credit products within their own offerings, while building the technical foundation for future financing products. - Lead design reviews, advise on systems architecture, and mentor engineers to raise the bar for code quality and technical excellence. - Champion resilient distributed-systems design, automated testing, observability, and engineering practices that improve platform reliability, scalability, security, and delivery efficiency. - Build and maintain secure, scalable, well-documented APIs that enable clients to embed and consume credit products within their own offerings. - Partner with cross-functional teams to deliver effective lending solutions and support the platform’s continued expansion into new financing products. You’ll work from our Singapore office five days a week. WHAT WE'RE LOOKING FOR ESSENTIALS - A bachelor’s degree or above in Computer Science, Engineering, or a related technical field. - Seven or more years of hands-on software engineering experience, with strong exposure to modern engineering practices, continuous integration, and quality engineering. - At least two years in a technical leadership role, mentoring engineers and leading the definition and execution of engineering strategy. - Strong computer science foundations and object-oriented programming skills, with proven experience building backend systems. We primarily use Java or Kotlin and the Spring / Spring Boot framework, but we’re open to engineers coming from other language backgrounds. - Extensive experience designing and building RESTful APIs, with familiarity with modern API design principles and tools. - Experience with domain-driven design and event-driven architectures in production environments. - A proven track record of designing and maintaining high-throughput, low-latency, highly available distributed systems at scale. - Cloud experience with GCP or AWS, including services such as EC2, RDS, ELB, or CloudFront, plus Docker and Kubernetes. - Familiarity with observability tooling such as Splunk, Grafana, and Prometheus. - Experience leading technical direction, making sound architectural trade-offs, and partnering effectively with cross-functional teams. PREFERRED - Experience in financial services, lending, payments, or credit products. - Experience building SaaS products offered as a platform. - Experience designing systems for embedded finance or enterprise clients. YOU'LL THRIVE HERE IF - You're comfortable owning the roadmap yourself. - You own the outcome and you don't wait for permission to fix what's broken. - You're comfortable with ambiguity. Give you a problem, not a prescription, and you'll run with it. - You communicate clearly and directly across cultures, and you're thoughtful about how context shifts meaning across borders. - You're low-ego. You care more about the right outcome than getting credit for it. LEARN MORE ABOUT YOUR TEAM Lending at Airwallex brings together flexible capital and financial infrastructure so fast-growing businesses can scale with confidence. We own the end-to-end credit platform: the backend systems, risk engines, and integrations that power business credit products and embedded financing. The challenge is balancing speed with safety, building resilient, high-throughput services that assess creditworthiness in real time, orchestrate fund flows seamlessly, and scale reliably across global markets. This is a team for product-minded engineers who want ownership and enjoy solving complex technical problems. If you want to help redefine the financial infrastructure that lets businesses around the world grow, this is where that work happens. #singapore 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 http://airwallex.com email address. Please apply only through careers.airwallex.com http://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.