Company Description
Experian is a global data and technology company that powers opportunities for people and businesses around the world. We operate in diverse markets, such as financial services, healthcare, automotive, agribusiness, insurance, among others. Experian invests in people and new advanced technologies to unlock the power of data. We have an incredible team of 25,200 employees in 32 countries.
Our uniqueness is valuing yours. Experian's people-centric, inclusive, and purpose-driven culture is recognized by numerous awards — including World’s Best Workplaces™ 2025 (Fortune's Top 25 global) 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 is also proud to be an equal opportunity employer and promotes affirmative action.
Job Description
Technically lead real-time decision architecture: ensure the integration layer with risk engines responds within the transaction SLA window, without creating exposure between the call trigger and the decision return.
Soft skills
• Ownership of results: takes responsibility for delivery, does not outsource accountability;
• Decides quickly with available information and adjusts later. Does not get stuck in infinite analysis;
• Identifies gaps and technical risks before proposing a solution, with total transparency;
• Organizes delivery in phases, with incremental value in each;
• Has the firmness to say no when deadlines or scope do not align, always providing a concrete alternative
Qualifications
- Expertise in event-driven distributed systems architecture, with a clear understanding of when to use synchronous patterns (transaction decision) and when to use asynchronous patterns (post-decision actions: log, case, Coaf, analytics)
- API design (REST/gRPC) and API Gateway to integrate multiple external anti-fraud, AML, KYC, and score 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 experience in a robust language (Java, Python, or Node, according to the defined stack)
- Information security applied to payments: encryption, tokenization, PCI-DSS best practices
Responsibilities
- Build REST engine APIs and integrations with third parties (anti-fraud, AML, score).
- 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).
Required
- Senior backend experience 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 experience, 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 by expanding opportunities for people and businesses, in Brazil we are more than 4,000 people working in diverse teams and specialties. Here, every skill and diversity complements each 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 careers with their personal commitments and interests, prioritizing well-being.
We are dedicated to being one of the best and most innovative companies to work for in the country, enabling incredible experiences and careers for our people. Our strong people-first approach is recognized externally through various market certifications: we have been awarded by Great Place To Work™ in 24 countries and by the international Top Employers certification, in addition to being recognized as one of the best companies for young professionals and having a 4.6 rating on Glassdoor. Each recognition indicates that we are on the right path, providing an increasingly better work environment for our talent.
Come be #TimeVeloz!
Let's grow together! We want to truly contribute to the growth of those around us. Our Purpose? Improve lives, share dreams, and achievements.