--- title: 'Senior Software Engineer, Lending Platform at Airwallex' canonical: 'https://feeny.ai/job/senior-software-engineer-lending-platform-airwallex-singapore-xykj6vgn3a8z' type: 'job' last_seen: '2026-11-11' --- # Senior Software Engineer, Lending Platform at Airwallex - **Company:** [Airwallex](https://feeny.ai/companies/airwallex) - **Location:** Singapore - **Employment:** full-time - **Work type:** onsite - **Posted:** 2026-06-22 - **Last confirmed live:** 2026-11-11 - **Apply:** https://jobs.ashbyhq.com/airwallex/0887ecca-15c1-479b-b4be-b0cb705d168a/application **Skills:** Java, Kotlin, Spring, Spring Boot, RESTful APIs, Domain-Driven Design, Event-Driven Architectures, Distributed Systems, GCP, AWS, Docker, Kubernetes, Splunk, Grafana, Prometheus, Object-Oriented Programming, Continuous Integration, Quality Engineering, SaaS Product Development > Architect, design, and implement large-scale, secure, and scalable systems for Airwallex's lending platform. The role involves building robust APIs, leading design reviews, mentoring engineers, and ensuring platform reliability and performance for global enterprise clients. ## Job description ## About Airwallex Airwallex is the AI-native financial operating system for a real-time, intelligent economy. More than 675,000 businesses, including McLaren Racing, Qantas, SHEIN, and TikTok, use us, directly or through our platform partners, to run their financial operations or build and monetize financial products of their own. We started in Melbourne in 2015 to build the infrastructure global commerce runs on. We're the regulated backbone behind global payments: not by accident, but by design. A decade plus, 85+ licenses, and a financial infrastructure spanning North America, Europe, the Middle East, and Asia-Pacific. We're co-headquartered in San Francisco and Singapore, with more than 2,700 people across 27 offices. We hire builders with founder-level energy, people who move fast with good judgment, dig in with real curiosity, and make calls from first principles rather than waiting to be told what to do. Read our[operating principles](https://www.airwallex.com/en-us/operating-principles) to see it in full. ## How you'll make impact You’ll architect, design, and implement large-scale, secure, and scalable systems for Airwallex’s lending platform. You’ll build robust services and secure APIs that help enterprise clients embed credit products into their own offerings, while laying the technical foundation for future financing products. - Own the design and delivery of robust services that power lending and credit products. - Build secure, scalable, and well-documented APIs that enable clients to embed and consume credit products within their own offerings. - Lead design reviews, advise on systems architecture, and mentor engineers to raise the bar on code quality and technical excellence. - Drive resilient distributed-systems design and engineering practices that support reliability, scalability, and security at global enterprise scale. - Improve platform stability and delivery efficiency through automated testing, code review, monitoring, and continuous improvement. - Partner with cross-functional teams to deliver effective lending solutions and stay close to industry trends that can strengthen the platform. This is an in-office role — you’ll be in our Singapore office five days a week. ## What we're looking for Essentials - A bachelor’s degree or above in Computer Science, Engineering, or a related technical field. - 5+ years of hands-on experience in software engineering, with strong exposure to modern engineering practices, continuous integration, and quality engineering. - At least 2 years in a technical leadership role, mentoring engineers and leading the definition and execution of engineering strategy. - A strong computer science foundation and object-oriented programming skills, with proven experience building backend systems. - Experience with Java or Kotlin and the Spring / Spring Boot framework, or strong transferable experience in another backend language and framework. - Extensive experience designing and building RESTful APIs, with familiarity with modern API design principles and tools. - Experience with domain-driven design and event-driven architectures in production environments. - A track record of designing and maintaining high-throughput, low-latency, highly available distributed systems at scale. - Cloud experience with GCP or AWS, including services such as EC2, RDS, ELB, or CloudFront, together with Docker and Kubernetes. - Familiarity with observability tooling such as Splunk, Grafana, and Prometheus. - Experience collaborating with cross-functional teams to deliver effective lending or financial technology solutions. - A commitment to robust automated testing, code review, monitoring, and continuous improvement. ## Preferred - Experience with SaaS products offered as a platform. You'll thrive here if - You're comfortable owning the roadmap yourself. - You own the outcome and you don't wait for permission to fix what's broken. - You're comfortable with ambiguity. Give you a problem, not a prescription, and you'll run with it. - You're comfortable operating across time zones with a globally distributed team, including colleagues based in APAC and EMEA. - You value in-person collaboration and are happy being in the office five days a week. Learn more about your team Lending at Airwallex brings together flexible capital and financial infrastructure so fast-growing businesses can scale with confidence. We own the end-to-end credit platform: the backend systems, risk engines, and integrations that power business credit products and embedded financing. The challenge is balancing speed with safety, building resilient, high-throughput services that assess creditworthiness in real time, orchestrate fund flows seamlessly, and scale reliably across global markets. This is a team for product-minded engineers who want ownership and enjoy solving complex technical problems. If you want to help redefine the financial infrastructure that lets businesses around the world grow, this is where that work happens. #singapore Applicant Safety Policy: Fraud and Third-Party Recruiters To protect you from recruitment scams, please be aware that Airwallex will not ask for bank details, sensitive ID numbers (i.e. passport), or any form of payment during the application or interview process. All official communication will come from an @[airwallex.com](http://airwallex.com) email address. Please apply only through [careers.airwallex.com](http://careers.airwallex.com) or our official LinkedIn page. Airwallex does not accept unsolicited resumes from search firms/recruiters. Airwallex will not pay any fees to search firms/recruiters if a candidate is submitted by a search firm/recruiter unless an agreement has been entered into with respect to specific open position(s). Search firms/recruiters submitting resumes to Airwallex on an unsolicited basis shall be deemed to accept this condition, regardless of any other provision to the contrary. ## Equal opportunity Airwallex is proud to be an equal opportunity employer. We value diversity and anyone seeking employment at Airwallex is considered based on merit, qualifications, competence and talent. We don’t regard color, religion, race, national origin, sexual orientation, ancestry, citizenship, sex, marital or family status, disability, gender, or any other legally protected status when making our hiring decisions. If you have a disability or special need that requires accommodation, please let us know. ## About Airwallex ## Company Overview - **One-liner**: Airwallex is a financial technology company building a unified global payments and banking platform that helps businesses manage cross-border payments, treasury, spend, and financial operations through proprietary infrastructure, software, and AI. - **Entity Type**: Private (Series G) - **Headquarters**: Dual headquarters in Singapore and San Francisco, USA; founded in Melbourne, Australia - **Founded**: 2015 - **Founders**: Jack Zhang (CEO), Lucy Liu, Max Li, Xijing Dai, and Ron Li ## Core Business - Primary industry: Financial Services / Payments / Fintech Infrastructure - Target customers: B2B, primarily serving SMBs, scaling enterprises, digital platforms, and marketplaces globally - Mission or purpose statement: "Build the future of global banking" — they aim to replace legacy, fragmented banking systems with a borderless, intelligent, real-time financial operating system for modern businesses. ## Products & Services - **[Business Accounts]**: Multi-currency global accounts to receive, hold, and manage funds in 20+ currencies, with local account details for key markets. - **[Payments]**: Global payment acceptance via 160+ local payment methods, low-code checkout, and programmatic payout capabilities to 200+ countries. - **[Spend / Corporate Cards]**: Multi-currency corporate and employee cards with customisable spend controls, designed for global teams. - **[Expense Management]**: A platform to track, control, and reconcile global business expenses, including employee reimbursements. - **[Billing & Subscription Management]**: A billing platform for usage-based and subscription pricing models, supporting AI companies and complex revenue workflows. - **[Platform APIs]**: API-first infrastructure enabling businesses to embed financial services (accounts, payments, FX, card issuing) into their own products. - **[FX & Treasury]**: Interbank foreign exchange rates and tools to intelligently manage currency risk across markets. ## Market Standing - **Valuation**: US$11 billion (latest valuation in 2025, following a fresh investment round). - **Key Metric**: US$1.8 billion in total funding raised; Annual Recurring Revenue (ARR) surpassed US$1 billion by 2025. - **Notable Investors/Partners**: Series G investors include prominent global venture capital firms (specific names not listed in source but backed by top-tier VCs); serves over 200,000 businesses including TikTok, Brex, Rippling, Navan, Qantas, and SHEIN. - **Growth Signals**: - US$287 billion in global payments processed (USD). - 92% of transfers settled same-day, 50% processed instantly. - Over 85 financial licenses and registrations globally. - Team of ~2,300 people across 27 offices internationally. - Dual-headquarters model (Singapore + San Francisco) adopted in 2025 to support next phase of growth. ## Competitive Advantages - Proprietary, API-first infrastructure built from scratch (not riding legacy banking rails), enabling faster, cheaper, and more transparent cross-border transactions. - Unified platform combining banking, payments, spend management, billing, and FX — reducing the need for multiple vendors. - Deep AI integration across the platform to automate financial operations and provide intelligent insights. - Extensive regulatory licensing (85+ licenses) across major markets, creating a high barrier to entry. - Strong network effects: serves both direct businesses and platforms/marketplaces that embed Airwallex into their offerings. ## Strategic Focus - Continue scaling the platform to support the rapid growth of AI-native companies and usage-based business models (highlighted by the launch of their global billing platform). - Expand the dual-headquarters presence to tap into the largest tech talent markets (San Francisco and Singapore). - Invest heavily in AI to build "interconnected, intelligent financial systems where money, data, and decisions move together." - Deepen product capabilities to automate financial operations end-to-end for global businesses. ## Why Work Here - High-growth, ambitious environment: described as "the most ambitious work of your career" by the company; founded in 2015 and already processing $287B in payments. - Global impact and scale: work on infrastructure used by 200,000+ businesses, from startups to enterprises like TikTok and SHEIN. - Hybrid/office culture: 27 offices globally (Melbourne, Singapore, San Francisco, London, Shanghai, Amsterdam, and more) offering opportunities to work across teams and locations. - Engineering-driven culture: heavy emphasis on building proprietary technology, AI, and developer-first products. - Notable perks: opportunity to work on a modern financial stack, exposure to cutting-edge AI/Fintech intersection, and a diverse, international team of "2,200 of the brightest and most innovative people in tech." ## Sources 1. [airwallex.com - Who We Are](https://www.airwallex.com/en-eu/who-we-are) 2. [airwallex.com - Global Platform](https://www.airwallex.com/global) 3. [careers.airwallex.com](https://careers.airwallex.com/) 4. [LinkedIn - Airwallex](https://www.linkedin.com/company/airwallex) 5. 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