Multitude is hiring a Senior Full-Stack Engineer (Java + React) to help design and build its Loan Management System end to end, from Java/Spring services and Kafka integrations to the React interfaces used by partners and operations teams. We’re looking for an experienced engineer with a strong background in lending technology and LMS/LOS implementations, who writes reliable production code and uses AI coding assistants thoughtfully as part of their daily work. Responsibilities Together with Lead Engineer and Tech Lead, design and build the LMS end-to-end — Java/Spring backend services and React operations/partner UIs — on the latest technologies. Deliver production-grade code: pull-request reviews, high test coverage and production observability (Kibana, Elastic APM, Prometheus/Grafana). Work effectively with AI coding assistants — use them to accelerate implementation, review, refactoring, and documentation while remaining accountable for the correctness, security, and maintainability of everything that ships. Contribute to the spec-first workflow: read and refine feature specifications, break specs into JIRA stories, flag missing scope early. Own features across the stack — from Kafka event contracts and REST endpoints down to the React screens partner staff and Bhawana operators actually use. Go the extra mile: stay current on tooling and techniques (including AI tooling), share what you learn, and push technical improvements proactively. Required skills and experience 5+ years building production systems in Java (17+) and the Spring ecosystem (Boot, REST, JPA/Data, Security, Integration). You know why @Transactional is more subtle than it looks, you have debugged classloader and GC issues in anger, and you can reason about JVM behaviour under load. 3+ years of hands-on React user interfaces — not prototypes, not admin screens generated from a template. You understand rendering, state, forms at scale, accessibility, and the cost of every dependency you add. Demonstrable fluency with AI coding assistants (e.g. GitHub Copilot, Claude, Cursor, Codex, or equivalent) as part of your daily workflow — able to prompt effectively, review AI output critically, and know when not to trust it. Clean-code habits: patterns/anti-patterns awareness, well-structured, testable, maintainable, documented code. Distributed-systems maturity — you reason about failure modes, retries, backoff, poison messages, and what happens when the network partitions during a disbursement. You've built and operated microservices in production and know when not to use them. Solid grasp of REST API design, integrations, refactoring, secure coding, APM and troubleshooting. understanding JIRA and able to write specifications there with Acceptance Criteria. Hands-on experience with asynchronous messaging (Kafka or other) Analytical and problem-solving skills — able to break down complex domain problems and communicate solutions clearly. 6+ years in lending technology or NBFC/bank ops-tech roles, with at least one LMS/LOS implementation done end to end (FinnOne, Pennant, Lentra, M2P, Finflux or similar - lender side or vendor side) Knows the RBI digital lending guidelines well enough to spec a KFS or an FLDG ledger without being handed the circular Strong team player, comfortable working independently, solid written and spoken English. Nice to have Familiarity with microservice architecture, event sourcing, distributed systems, authentication (OAuth 2.0 / OIDC). Experience with multi-tenant SaaS or B2B2C platforms (partner isolation, tenant-scoped data access). Financial-services or lending-domain background (loans, EMI, disbursement, DPD, collections). Working knowledge of: Kafka, Docker, Kubernetes, Camunda BPM, Kotlin, Liquibase, Kibana, Elastic APM, MySQL, PostgreSQL, MongoDB, ElasticSearch, Prometheus, Grafana. Frontend depth: state management (Redux Toolkit / Zustand / React Query), component libraries, accessibility, i18n. Experience with spec-driven or contract-first development (OpenAPI, AsyncAPI, Avro). Comfort with Gitflow, SonarQube, Maven/Gradle, Swagger/OpenAPI, JIRA, GitHub) We offer: A Truly Global Workplace – collaborate with 40+ nationalities across 25+ countries, embracing diversity, inclusion, and cross-cultural innovation Hybrid & Flexible Work – balance your life and career with remote-friendly policies and modern offices across Europe A Culture of Growth – accelerate your development with access to LinkedIn Learning, structured mentorship, and internal leadership programmes (HiPo & People Leader tracks) Workation Programme – work remotely from abroad for up to 2 months per year and experience new cultures while staying connected and productive Financial Growth Opportunities – invest in your future with our share purchase matching programme, doubling your contributions and fostering long-term rewards Medical Coverage – group medical insurance covering hospitalisation and essential care Accident Protection – personal accident insurance for peace of mind We may use artificial intelligence (AI) tools to support specific parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses against predefined criteria. These tools assist our recruitment team but do not replace human judgment. All final hiring decisions are made by human recruiters. By proceeding to apply for a job with us, you confirm that you have read and accepted our Recruitment Privacy Policy At Multitude, we’re more than just a European FinTech company listed on the Frankfurt Stock Exchange – we’re a global team shaping the future of finance. With 700+ professionals based in over 20 locations, we combine diverse perspectives and expertise to deliver digital lending and online banking solutions that empower consumers, SMEs, and FinTechs worldwide. Through our Growth Platform, we operate three dynamic business units: Ferratum – seamless mobile banking for consumers CapitalBox – flexible financing solutions for SMEs Multitude Bank – tailored support for non-bank lenders and FinTechs In 2025, we generated €256.9 million in revenue and €26.6 million in net profit, reflecting our strong performance, continued innovation, and commitment to delivering sustainable growth. But what truly sets us apart is our culture. At Multitude, our people are our greatest asset. We foster a dynamic, inclusive, and supportive environment where talent thrives, ideas are valued, and growth is encouraged – both personally and professionally. If you’re ready to make an impact and grow your career in a company that’s redefining financial services, your journey starts here at Multitude.

Senior Full-Stack Engineer (Java+React).

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