QA Engineer – Lending & Risk Decisioning Testing
About the Role
We are looking for a Senior QA Engineer with strong experience in lending or credit-based financial products to ensure the quality, reliability, and performance of our backend systems. The role will focus on testing end-to-end lending workflows, developing API automation frameworks, and validating risk decisioning logic across complex, distributed systems.
Key Responsibilities
Design and execute comprehensive test strategies for lending products, covering functional, API, integration, and end-to-end testing.
Test the full lending lifecycle, including loan applications, approvals, disbursements, repayments, and collections.
Develop and maintain scalable API automation frameworks using Python (pytest) or Java, integrating automated tests into CI/CD pipelines.
Build automated regression suites covering critical business workflows, edge cases, negative scenarios, and exception handling.
Validate backend microservices, transaction integrity, database consistency, asynchronous processing, and message-driven workflows.
Test risk decisioning systems, including credit eligibility, approval rules, credit limits, and risk policies.
Collaborate with Product, Risk, Engineering, and DevOps teams to identify quality risks and ensure reliable releases.
Investigate complex defects, perform root cause analysis, and improve overall test coverage and automation efficiency.
Required Qualifications
Bachelor's or Master's degree in Computer Science, Engineering, or a related field.
5+ years of QA experience, with strong hands-on expertise in backend, API automation, and integration testing.
Mandatory experience testing lending or credit-based products, such as personal loans, consumer lending, BNPL, or other credit products.
Strong understanding of the end-to-end lending lifecycle.
Hands-on experience developing API automation frameworks using Python (pytest) or Java.
Strong SQL skills and experience with database validation and data reconciliation.
Good understanding of REST APIs, distributed microservices, and asynchronous messaging systems.
Experience integrating automated regression testing into CI/CD pipelines.
Strong analytical, debugging, and problem-solving skills.
Excellent spoken and written English, with the ability to work independently and collaboratively.
Preferred Qualifications
Experience testing credit decision engines, credit scoring, eligibility rules, credit limits, risk policies, or risk-based pricing.
Familiarity with platforms such as SAS Decision Manager or similar automated decisioning solutions.
Experience with decision rule validation, regression testing, and comparing legacy and new decision engines.
Experience using AI-assisted engineering tools such as Claude Code, Codex, Cursor, or GitHub Copilot for test automation, test case generation, and debugging.
Experience with performance and load testing tools such as JMeter, k6, or Gatling.
Experience testing high-volume, high-availability, and transaction-intensive backend systems.