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Join our mission to create a completely new, 100% digital bank that uses consumer feedback to truly meet customers’ best interests. Jenius Bank, a division of SMBC MANUBANK, and a member of SMBC Group, is being built by a close-knit and fun-loving team of financial services professionals and technology experts who came together for the challenge of building a full-service digital bank from scratch. We’re committed to doing it the right way for the customer and are growing rapidly. To learn more about our relationship to our parent company, visit our website.

The anticipated salary range for this role is between $85,000.00 and $170,000.00. The specific salary offered to an applicant will be based on their individual qualification, experiences, and analysis of current compensation paid in their geography and the market for similar roles at time of hire. The role may also be eligible for an annual discretionary incentive award. In addition to cash compensation, SMBC MANUBANK offers a competitive portfolio of benefits to its employees.

Jenius Bank is strategically scaling up a portfolio of products and building extraordinary experiences. In 2023, we launched our first two products reaching $1 billion in deposits and over $700 million in loans, all before Jenius Bank’s first anniversary. We don’t plan to slow down, with ambitious growth plans and the capital necessary to execute a multi-year strategic plan. We have a start-up mindset paired with SMBC Group’s 400 years of history. SMBC Group has more than 150 offices and 86,000 employees worldwide in nearly 40 countries and is committed to creating new business to better serve customers in the rapidly evolving digital environment. Join us on the journey that has caught the attention of the Banking Dive, and more to reinvent banking where smarter banking translates to a richer life.

SUMMARY:

Join a high-impact team at the forefront of digital banking innovation. As a Senior Software Engineer in the Credit and Fraud Risk Technology group, you’ll play a key role in designing and scaling intelligent risk decision systems that power our core financial products. You’ll help build a unified, modern platform for business logic and rule management driving smarter, faster decisions across the enterprise.

This is a unique opportunity to shape mission-critical microservices architecture in a fast-paced, forward-thinking environment. We’re a collaborative, fast-moving team that values clean code, continuous learning, and building systems that make a real-world impact. If you're passionate about building scalable systems that power smarter financial decisions, we’d love to hear from you.

PRINCIPAL DUTIES & RESPONSIBILITIES:

+ Design and build scalable, high-performance backend systems using Java (and optionally Kotlin), Spring Boot, and MongoDB.

+ Lead the development of secure, efficient RESTful APIs and microservices that support real-time decisioning (e.g., fraud detection, credit approvals).

+ Collaborate with product, data, and engineering teams.

+ Conduct code reviews, write unit/integration tests, and ensure high code quality through continuous integration.

+ Champion CI/CD best practices, automating build, test, and deployment pipelines for speed and reliability.

+ Troubleshoot production issues with urgency and precision, ensuring system reliability and uptime.

+ Stay ahead of the curve by exploring new tools, frameworks, and technologies that can enhance our platform

POSITION SPECIFICATIONS:

+ 5+ years of hands-on software development experience (Bachelor’s degree in Computer Science preferred)

+ Expertise in Java and Spring Boot, with a strong foundation in building enterprise-grade applications.

+ Exposure to or interest in Kotlin our primary language moving forward (not required to start).

+ Experience with MongoDB or other SQL/NoSQL databases.

+ Familiarity with reactive programming (e.g., Reactor, Akka, RxJava) is a plus.

+ Solid experience with cloud platforms (AWS, Azure, or GCP), including deployment and scaling strategies.

+ Hands-on experience with modern CI/CD pipelines and tools such as Jenkins or GitLab.

+ Knowledge of Docker and Kubernetes for containerization and orchestration.

+ Agile mindset with experience working in Scrum or Kanban teams.

+ Strong analytical thinking, problem-solving skills, and a collaborative spirit.

+ Familiarity with observability tools like Splunk, Datadog, or similar platforms.

EOE STATEMENT

SMBC provides reasonable accommodations during candidacy for applicants with disabilities consistent with applicable federal, state, and local law. If you need a reasonable accommodation during the application process, please let us know at [email protected].

CCPA DISCLOSURE

Personal Information Collection Notice: This notice contains information under the California Consumer Privacy Act (CCPA) about the categories of personal information (PI) of California residents that SMBC MANUBANK collects and the business or commercial purpose(s) for which the PI may be used. We do not sell PI. More information about our collection and use of PI may be found in our CCPA Privacy Policy at https://www.smbcmanubank.com/privacy/ccpa-disclosure . Persons with disabilities may contact our Customer Contact Center toll-free at (877) 560-9812 to request the information in this Notice in an alternative format.