Job title: Mid Backend Developer
Job type: Full-Time
Emp type: Full-time
Industry: FinTech
Functional Expertise: Information Technology & Telecommunications
Skills: software development
Job published: 2026-11-04
Job ID: 54594

Job 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

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