Senior Backend Engineer – Karachi, PK (On-site)

Role Overview

We are seeking a highly experienced Senior Backend Engineer with strong expertise in Node.js, Python, and modern backend architecture. The ideal candidate has prior experience in fintech, lending, core banking, payments, or financial data systems and understands the criticality of security, compliance, data integrity, and high-availability systems.

You will help design and build Lendverse’s backend systems, including microservices, credit scoring pipelines, API orchestration, multi-tenant data infrastructure, rule engines, and integrations with financial institutions.

Key Responsibilities

1. Platform & API Architecture

• Design, build, and maintain scalable backend microservices in Node.js and Python.
• Develop high-performance REST and GraphQL APIs for onboarding, scoring, underwriting, collections, and loan management.
• Implement multi-tenant architectures with secure data segregation and organization-level controls.

2. Credit & Financial Data Processing

• Build data pipelines for bank statement parsing, transaction classification, and cashflow computation.
• Integrate with external systems including:
  • Credit bureaus (CIB / AECB / SIMAH / Experian / Equifax)
  • Open banking APIs
  • KYC/AML identity verification providers
  • Payment gateways (Stripe, Checkout, Paystack, etc.)
• Work with data scientists to operationalize AI/ML credit scoring models.

3. System Reliability & Security

• Implement enterprise-grade authentication, RBAC, auditing, logging, and encryption controls.
• Ensure compliance with regionally relevant regulatory frameworks (e.g., UAE Central Bank, SAMA, SBP).
• Optimize performance, reliability, and horizontal scaling of backend services.

4. DevOps & Cloud Infrastructure

• Deploy workloads using Docker / Kubernetes / AWS ECS / Lambda.
• Build CI/CD pipelines and automate versioned releases for multi-environment deployments.
• Setup monitoring and alerting for distributed microservices (Prometheus, Grafana, ELK, OpenTelemetry).

5. Collaboration & Leadership

• Mentor junior developers and promote good engineering practices.
• Collaborate closely with product, data, and frontend teams.
• Contribute to technical roadmap, architecture decisions, and code reviews.
• Document systems, standards, and API interfaces.

Required Qualifications

Technical Skills

• 5–8+ years of backend engineering experience with a strong portfolio of production systems.
• Advanced expertise in Node.js (NestJS, Express) and Python (FastAPI, Flask, Django).
• Strong understanding of:
  • Microservices architecture
  • Event-driven systems (RabbitMQ, Kafka, SQS)
  • Multi-tenant database design
  • API gateways & service mesh
• Hands-on experience with PostgreSQL and data modeling.
• Experience building financial-grade systems.

Fintech-Specific Skills (Must-Have)

• Experience in at least one of the following domains:
  • Lending / credit scoring
  • Digital banking
  • Payments
  • Core banking / LOS / LMS
  • Risk engines
• Familiarity with financial transaction flows and regulatory compliance.
• Understanding of underwriting, scoring rules, financial statements, and reconciliation pipelines.

DevOps / Cloud Skills

• AWS, GCP, or Azure cloud experience.
• Docker, Kubernetes, CI/CD pipelines (GitHub Actions, GitLab CI, Jenkins).
• Logging, monitoring, and observability tooling.

Soft Skills

• Strong ownership and ability to work in fast-paced startup environments.
• Excellent communication and documentation skills.
• Ability to break down complex financial processes into scalable backend systems.

Nice-to-Have

• Experience integrating AI/ML pipelines into production services.
• Prior experience building rule engines or workflow engines.
• Exposure to OpenAI, LangChain, RAG systems, or vector databases.
• Knowledge of ISO 8583, ISO 20022, or banking messaging standards.
• Experience with security audits, penetration testing, or PCI DSS-compliant environments.