# Senior Backend Engineer

> Amartha · Shenzhen, China (Hybrid) · Full-time · Posted 2026-07-22

**Workplace:** hybrid

**Department:** Tech

## Description

_**About Amartha**_

At Amartha, we empower micro-businesses across Indonesia, enabling growth and equal prosperity. We've supported over 3.5+ million enterpreneurs–mostly women–by disbursing 2 billion USD in funding. As we step into 2026, Amartha is evolving into a technology-driven financial ecosystem, expanding our reach in lending, funding, and payments. Through innovation and digital solutions, we aim to enhance accessibility, streamline processes, and create a seamless user experience.

_**Roles and Responsibilities:**_

-   Design, build, and own critical backend services that power underwriting, credit scoring, and loan decisioning workflows.
-   Develop high-performance Go services for score orchestration, policy evaluation, decision APIs, and related lending platform capabilities.
-   Integrate credit models, rule engines, third-party data providers, and internal risk systems into reliable production flows.
-   Ensure decision pipelines are accurate, explainable, auditable, and resilient under high throughput.
-   Define and evolve service contracts, data models, and event schemas used across underwriting and scoring systems.
-   Improve reliability, latency, and operability of core backend platforms through monitoring, alerting, and performance optimization.
-   Partner with ML, risk, product, and data teams to productionize scoring and underwriting capabilities end to end.
-   Lead technical design discussions, review architecture trade-offs, and raise the engineering bar through mentoring and code review.
-   Handle production incidents, root-cause analysis, and continuous improvement of system resilience.
-   Uphold engineering and compliance standards for secure, governed, and business-critical lending systems.

## Requirements

-   Bachelor’s degree in Computer Science, Software Engineering, or a related field, or equivalent practical experience.
-   5+ years of backend engineering experience, with strong production experience in Go (Golang).
-   Deep understanding of designing and building scalable, reliable microservices and APIs (REST and/or gRPC).
-   Experience with distributed systems concepts: concurrency, messaging, idempotency, retries, consistency, and fault tolerance.
-   Strong proficiency with SQL databases, data modeling, indexing, query performance, and transactional integrity.
-   Familiarity with Kafka or similar event-driven architectures, caching (e.g. Redis), and containerized deployments.
-   Experience building or integrating underwriting, credit scoring, loan decisioning, or risk-related systems in fintech or digital lending.
-   Understanding of credit workflows such as application intake, feature/data aggregation, score orchestration, policy rules, decisioning, and audit trails.
-   Ability to work with ML-serving systems, model APIs, feature stores, or score pipelines in production.
-   Experience with cloud platforms, CI/CD, observability, and production incident handling.
-   Strong system design, code quality, and mentorship skills.

_At Amartha, we are dedicated to creating a workplace that celebrates diversity, ensures equity, and fosters inclusion. We believe that diverse perspectives—shaped by factors such as gender, age, race, ethnicity, education, culture, and life experiences—drive innovation and growth._

_We actively welcome individuals from all backgrounds to join us in building an environment where everyone feels respected, valued, and empowered. Our commitment is to provide equal opportunities and foster a sense of belonging that enables our employees to thrive and make meaningful contributions._

## Apply

[Apply at Amartha](https://apply.workable.com/amartha/j/A9AFB8E480/apply)

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