Job Description

About the job

At Credit.com, we believe that everyone deserves the opportunity to build and protect their credit—and by extension, their financial future. Our mission is to empower consumers with the insights and tools they need to make informed financial decisions. We’re dedicated to creating technology that simplifies credit management and helps millions achieve financial well-being.

As a Staff Java Engineer , you will play a critical role in driving the technology transformation of our financial services platform. This role requires deep technical expertise, leadership in software architecture, and a strong ability to collaborate across teams. You will be responsible for designing scalable, secure, and high-performance Java applications while influencing the company’s long-term technology strategy.

Location: Salt Lake City, UT Hybrid 3/2 preferred. Will consider AZ and CA residents for remote opportunities.

Key Responsibilities:

Technical Leadership & Architecture

• Drive the modernization of legacy financial systems to cloud-based and microservices architectures.
• Design and implement robust, scalable, and secure Java applications that support regulatory compliance and financial security.
• Evaluate and recommend new tools, frameworks, and best practices to improve the software development lifecycle.
• Ensure that software design aligns with business goals and compliance requirements.
• Lead teams both onsite and offshore to deliver high quality software driving customer adoption.

Cross-Team Collaboration

• Work closely with product managers, business analysts, and stakeholders to understand business needs and translate them into technical solutions.
• Partner with DevOps, security, and infrastructure teams to optimize CI/CD pipelines and improve deployment processes.
• Mentor and guide senior and mid-level engineers, promoting best coding practices, system design principles, and engineering excellence.

Innovation & Problem-Solving

• Identify and solve complex technical challenges related to system performance, scalability, and data integrity.
• Lead efforts in refactoring and optimizing existing codebases to improve maintainability and efficiency.
• Stay ahead of industry trends in fintech, regulatory changes, and emerging technologies that could impact our technology roadmap.
• Foster a native AI mindset by embedding AI capabilities into all facets of the software development lifecycle—from intelligent code generation, testing, and predictive maintenance to enhancing customer value and driving operational efficiency.

Quality & Security Assurance

• Ensure software meets financial industry security standards, including encryption, authentication, and secure API development.
• Enforce high-quality coding standards through code reviews, automated testing, and continuous integration practices.
• Develop monitoring and alerting systems to proactively detect and address system issues.

Required Skills & Experience:

• Technical Expertise: 8+ years of Java development experience, including Spring Boot, RESTful APIs, microservices and AI Driven SDLC.
• Financial Services Domain Knowledge: Understanding of financial transactions, compliance, and security best practices.
• Cloud & DevOps: Experience with AWS/Azure, containerization (Docker, Kubernetes), and CI/CD pipelines.
• Database & Performance Optimization: Strong knowledge of relational (PostgreSQL, MySQL) and NoSQL databases (MongoDB, Redis), with experience in query optimization and performance tuning.
• Leadership & Mentorship: Ability to influence technical direction, mentor engineers, and advocate for best practices.
• Problem-Solving & Innovation: Proven track record of architecting solutions for high-scale, mission-critical applications.

Credit.com is an Equal Opportunity Employer.

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