Company Overview

The organisation develops financial technology solutions designed to improve access to digital financial services through automated workflows, integrated data systems and modern financial applications. Its technology environment supports lending-related processes, customer information management, financial calculations and digital service delivery.

Role Summary

The Digital Lending Software Engineer will develop and maintain software components used in digital lending platforms and credit application systems. The role focuses on building reliable application features for loan origination, repayment scheduling, lending calculations, customer account management and communication between lending applications and external financial services.

The successful candidate will collaborate with product specialists, backend engineers, data professionals and financial operations teams to develop scalable software that supports accurate lending workflows. The position requires strong programming skills, an understanding of financial calculations and the ability to translate lending requirements into secure and maintainable applications.

Key Responsibilities

• Develop backend services and application features supporting digital lending and credit management platforms.

• Build software components for loan application processing, customer registration and lending workflow automation.

• Implement calculation logic for interest accrual, repayment schedules, outstanding balances and loan amortisation.

• Develop APIs connecting lending platforms with payment services, identity verification providers and external financial data sources.

• Implement application workflows covering loan submissions, document collection, approval status updates and repayment management.

• Ensure financial calculations are accurate, consistent and appropriately tested across different lending scenarios.

• Develop database structures and application logic for managing loan accounts, repayment records and customer information.

• Integrate third-party services used for identity verification, income validation and financial information retrieval.

• Implement automated tests for lending calculations, repayment events and application workflows.

• Investigate and resolve software defects affecting lending operations, account balances and repayment processing.

• Work with product and business teams to convert lending requirements into technical specifications.

• Improve application performance, code maintainability and the reliability of financial processing services.

• Apply secure coding practices and appropriate controls when handling personal and financial information.

• Participate in code reviews, technical planning and software release activities.

• Maintain clear technical documentation covering application functionality, calculation rules and integration processes.

Requirements and Qualifications

• Bachelor’s degree in Computer Science, Software Engineering, Information Technology or a related field.

• At least four years of experience in software development, preferably involving fintech, lending technology or financial applications.

• Strong programming experience in Java, Python, C#, TypeScript or another relevant software development language.

• Practical experience developing backend applications and RESTful APIs.

• Understanding of loan structures, interest calculations, repayment schedules and basic credit operations.

• Strong SQL skills and experience working with relational databases.

• Knowledge of application security, authentication, authorisation and secure data handling.

• Experience with automated testing, debugging and software version control.

• Familiarity with cloud-based application deployment and CI/CD processes.

• Ability to interpret technical and financial requirements and convert them into reliable software features.

• Strong analytical thinking and attention to numerical accuracy.

• Professional English communication skills.

Benefits

• Fully remote working opportunity within Estonia.

• Opportunity to build software supporting modern digital lending services.

• Exposure to credit technology, financial calculations and automated lending workflows.

• Collaboration with software engineers, product specialists and financial technology professionals.

• Opportunities for technical development and exposure to modern software engineering practices.

• A professional environment focused on product reliability and meaningful financial technology solutions.

Application Instructions

Candidates should submit an updated CV describing their software engineering experience and relevant financial application projects. Applicants should highlight experience with backend development, lending workflows, financial calculations, database technologies and third-party API integrations.

Are you interested in this position?

Apply by clicking on the “Apply Now” Button below!

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