Backend Technical Lead (Merchant Lending)

TymeX is the technology and operations arm of Tyme Group, building digital banking platforms across Southeast Asia and South Africa.

The Merchant Lending Platform enables embedded lending for merchants across multiple markets, covering onboarding, underwriting, offer generation, repayment, servicing, and partner integrations.

As a Tech Lead, you will lead the design and delivery of backend services for the Merchant Lending platform. You will own architecture decisions, engineering quality, platform reliability, and technical execution across the software delivery lifecycle.

The platform is cloud-native, event-driven, and API-first. It integrates with merchant ecosystems, banking systems, payment providers, risk engines, data platforms, and internal operational systems.

Responsibilities

• Lead architecture and delivery for Merchant Lending services, including onboarding, offers, repayments, servicing, and integrations.
• Design distributed systems, APIs, and event-driven workflows that support multi-country deployment and platform reuse.
• Drive technical decisions on service boundaries, integration patterns, scalability, resilience, observability, and operational readiness.
• Work with Product, Risk, Data, Operations, and Engineering teams to translate business requirements into technical solutions.
• Mentor engineers through design reviews, code reviews, and hands-on technical guidance.
• Improve engineering practices across CI/CD, automated testing, monitoring, documentation, and incident management.
• Support production operations, incident investigation, and root-cause analysis.
• Maintain architecture documentation, ADRs, API contracts, and operational runbooks.
• Promote practical use of AI tools to improve software delivery, testing, documentation, and engineering productivity.

Must-have

• 10+ years of backend engineering experience.
• Strong hands-on experience with Java and/or Python.
• Experience leading architecture and delivery of large-scale backend systems or platform products.
• Strong understanding of distributed systems, microservices, event-driven architecture, and API design.
• Experience building high-throughput, fault-tolerant backend services.
• Hands-on experience with AWS or equivalent cloud platforms.
• Experience producing technical documentation, including system design documents, ADRs, API specifications, and operational guides.
• Strong ownership and execution mindset.
• Strong problem-solving skills in complex integration and distributed system environments.
• Ability to communicate technical decisions to both engineering and business stakeholders.
• Strong written and verbal English communication skills.
• Practical experience using AI-assisted engineering tools.

Nice-to-have

• Experience in fintech, digital banking, lending, payments, or merchant platforms.
• Experience with Merchant Cash Advance, working-capital lending, or embedded finance products.
• Experience building multi-country or configurable platform products.
• Familiarity with frontend technologies and API-driven product delivery.
• Experience with observability, incident management, and production operations.
• Experience operating systems in regulated environments.
• Exposure to underwriting, repayment automation, partner integrations, or financial services workflows.

You'll Love Working With Us If You Are

• Passionate about building products and solving engineering problems.
• Comfortable making technical decisions in evolving environments.
• Interested in platform architecture, distributed systems, and system design.
• Motivated by ownership, technical excellence, and continuous improvement.
• Enjoy mentoring engineers and raising engineering standards.
• Effective at collaborating across engineering, product, risk, data, and operations teams.

Some of Our Benefits

• Build a greenfield merchant lending platform used across multiple markets.
• Work on architecture, integrations, payments, risk, and financial operations at platform scale.
• Influence engineering standards, platform strategy, and AI-assisted development practices.
• Collaborate with engineering and business leaders across the organization.
• Full salary and benefits during probation.
• Premium healthcare insurance for employees and dependents.
• Meal and parking allowances.
• 13th-month salary and performance bonus.
• 15 days annual leave plus 3 company sick leave days.
• Technical learning support, conferences, certifications, and internal knowledge-sharing programs.
• International working environment with a 40-hour work week, Monday to Friday.