Senior Backend Engineer — Risk

Risk is the team that builds the systems behind Clara's credit decisions, making them fast, accurate, and automated across all our markets. We own the risk decisioning infrastructure and underwriting automation, from assessing new businesses to managing their limits over time, as well as fraud prevention. Much of it runs on the credit bureaus, data providers, and decisioning platform we integrate with, each with its own APIs, formats, and quirks.

We're looking for a Senior Backend Engineer to lead technical initiatives within the team. You'll design the services that turn internal and external signals into reliable decisions, shape how the team architect for scale and data volume, and partner closely with Product, Data, Fraud, and Compliance on problems where correctness really matters.

We move fast and trust our engineers to own outcomes end-to-end. That means autonomy to make decisions, proactivity to surface problems before they become blockers, and the attitude to push initiatives across the finish line without waiting to be told what to do.

Your responsibilities will include:

• Designing and building the services behind credit risk assessment, limit management, and fraud prevention, where decisions need to be fast, traceable, and right.
• Owning integrations with credit bureaus and external data providers, abstracting their complexity behind clean, resilient internal APIs.
• Building event-driven flows that process high volumes of risk signals reliably, from ingestion to the decisions that depend on them.
• Collaborating across the full product lifecycle, from ideation to deployment
• Maintaining and evolving microservices within a modern architecture
• Elevating the team through code reviews, pairing, and sharing what you know with peers
• Driving cross-team problem-solving and architectural discussions
• Applying AI tools to ship faster and improve how the team works

Who you are

• 5+ years of backend development experience
• Solid foundation in Java and Spring Boot. You don't need to have every API memorized — we expect you to lean on AI tools to move faster and fill gaps — but you need the judgment to know when the code is right, when it's wrong, and why
• Strong understanding of microservices architecture and event-driven systems using Kafka
• Familiarity with cloud platforms, preferably AWS, and modern dev tooling
• English proficiency, with the ability to lead technical discussions across geographies
• High autonomy, proactivity, and ownership mindset. You don't wait for direction — you spot what needs to happen and drive it
• A genuine pull toward AI. You don't need to be an expert, but you're actively experimenting with AI tools in your day-to-day work, keep up with where the space is going, and are eager to apply it to how we build. At Clara, AI is part of how we work, not a side topic
• Experience building credit risk, underwriting, or fraud prevention systems in fintech is a strong plus

We've kept this list short on purpose — these are the things that actually matter. If you check most of these and the rest you'd close with curiosity and the right tools, we want to hear from you.