Company Description
Experian is a global data and technology company that drives opportunities for people and businesses around the world. We operate in various markets, such as financial services, healthcare, automotive, agribusiness, insurance, among others. Experian invests in people and in new advanced technologies to unleash the power of data. We have an amazing team of 25,200 employees in 32 countries.
Our uniqueness is valuing yours. Experian's culture, centered on people, inclusive and driven by purpose, is recognized by various awards — including World's Best Workplaces™ 2025 (Fortune Global Top 25) and Great Place To Work™ in 26 countries, among others. Check out Experian Life on social media or explore our careers site to understand why. Experian also takes pride in being an employer that promotes equal opportunity and affirmative action.
Job Description
Technically lead the real-time decision architecture: ensure that the integration layer with the risk engines responds within the transaction's SLA window, without opening exposure between the call trigger and the return of the decision.
Soft skills
• Owns the outcome: takes on delivery, does not outsource responsibility;
• Decides quickly with what is available and adjusts later. Does not get stuck in endless analysis;
• Points out gaps and technical risk before proposing a solution, with full transparency;
• Organizes delivery in phases, with incremental value in each one;
• Has the firmness to say no when deadline or scope does not work, always bringing a concrete alternative
Qualifications
- Expertise in event-driven distributed systems architecture, with a clear command of when to use synchronous patterns (transaction decision) and when to use asynchronous ones (post-decision actions: logging, cases, Coaf, analytics)
- API design (REST/gRPC) and API Gateway to integrate multiple external anti-fraud, AML (PLD), KYC and scoring engines
- Low-latency architecture with critical SLA: transaction decision within a few hundred milliseconds, without leaving a window of exposure to fraud
- AWS cloud: containers, queues, gateway, observability (logs, metrics, distributed tracing)
- Senior backend in a robust language (Java, Python or Node, depending on the defined stack)
- Information security applied to payments: encryption, tokenization, PCI-DSS best practices
Responsibilities
- Build the engine's REST APIs and integrations with third parties (anti-fraud, AML, scoring).
- Implement resilience: timeout, retry, circuit breaker and idempotency.
- Develop asynchronous producers and consumers for post-decision actions.
- Model transactional and event data in relational and NoSQL databases.
- Maintain automated tests, load tests and CI/CD pipelines.
- Instrument technical and business metrics (decision time, block rate).
Mandatory
- Senior backend in Go, Java, Python or Node.
- REST API, messaging and pub/sub in production.
- Relational and NoSQL databases.
- Automated testing and CI/CD.
- AWS.
Desirable: fintech or payments, prior contact with anti-fraud or AML, observability with Datadog.
Additional Information
Serasa Experian is much more than you imagine. With the purpose of creating a better future, expanding opportunities for people and businesses, in Brazil we are more than 4,000 people working in various teams and specialties. Here, each skill and diversity complements the other, and you can work on what you love most. We are committed to building an inclusive culture and an environment where people can balance their career with their personal commitments and interests, valuing well-being.
We are really dedicated to being one of the best and most innovative companies to work for in the country, enabling amazing experiences and careers for our people. Our strong people-first approach is externally recognized through various market certifications: we have been awarded by Great Place To Work™ in 24 countries and by the international Top Employers certification, besides being recognized as one of the best companies for young professionals and having a 4.6 rating on Glassdoor. Each recognition tells us that we are on the right track, providing an increasingly better work environment for our talent.
Come be #TimeVeloz!
Let's grow together! We truly want to contribute to the growth of those around us. Our Purpose? Improve lives, share dreams and achievements.