Job Description

Who are we?

At Ford Credit, we take immense pride in being a subsidiary of Ford Motor Company, a global leader renowned for its strong sense of family and a firm commitment to making the world a better place. We create a culture of diversity, equity, and inclusion as we believe it is fundamental to achieving our business objectives and essential to treating every employee with the utmost dignity and respect. Our dedication to these principles drives us to ensure that everyone deserves and receives an exceptional automotive financing experience.




Over 65 years, we have helped put people behind the wheels of great Ford and Lincoln vehicles driving the success of our iconic 120-year-old Ford Motor Company. We have provided financing, personalized service, and professional expertise to 5000 dealers and over 4 million customers in over 100 countries.




With our incredible plans for the future of mobility, we have a wide variety of opportunities for you to accelerate your career potential as you help us define tomorrow's transportation. With us, you will gain the freedom and opportunity to realize and define your dreams as we firmly believe that freedom of movement drives human progress.

What do we do?

As the financial engine for Ford, Ford Credit Tech India is at the heart of customer experience, transforming the way people access and interact with vehicle finance on a global scale. Ford Credit is experiencing a significant business transformation in an ever-changing digital world. To create this all-new automotive financing experience, we are gathering a team of world-class strategists, innovators, creators, and technology leaders, who will help us unlock the power of technology and transform our relationship with customers.




Here's your chance to join our dynamic and growing world-class team at Ford Credit Tech India Global Innovation & Capability Center to build transformative financial software/ applications and solve problems that transcend the ordinary.




We have a strong team of Engineering Directors, Technical Program Managers, Functional Leads, Product Managers, Principal Engineers, Architects, and Software Engineers across our Digital Experience Engineering, Lending Platform Engineering, Foundational Platforms (Originations, Customer Servicing, Receivables, Payments, Collections, Securitization etc.), Cloud/DevX/Enterprise Testing & SRE/Automation, Architecture and Research, AI/MLOps & Analytics/Data Engineering practices who are supporting, managing our financial systems/applications & leading various IT Modernization and transformation programs delivery initiatives across the NA/EU/China/Mexico/Canada markets.


If you're eager to innovate and revolutionize financial services by adopting the latest technologies , Ford Credit Technology India is a perfect match for you. Are you ready to advance your career with our ambitious projects?



7+ years of progressive experience as a Software Engineer, with a significant portion focused on building enterprise-level applications. 7+ years of direct, hands-on working experience developing, integrating, or customizing solutions on or with industrial core banking platforms such as Fiserv, FIS, or Finacle. (This is a mandatory requirement). Proven understanding of core banking concepts, processes, and data models (Accounts, transactions, payments, loans, deposits, customer data) and how they are represented and managed within these platforms. Proficiency in Backend Technologies and Frameworks, applied in a financial/banking context. Extensive experience with backend languages and frameworks like Java (Spring Boot, Spring Cloud, Java Server Faces), Python (Django, Flask), or JavaScript (NodeJS, ExpressJS). Must demonstrate the ability to apply these technologies to build secure, scalable, and compliant services that interact with core banking systems. Extensive knowledge and practical experience with Software Quality and Security Analysis tools (SonarQube, CheckMarx, Fossa, 42C) specifically applied to code handling sensitive financial data and interacting with critical banking infrastructure. Well-versed in Test Driven Development (TDD) methodologies, including designing effective code coverage models and practicing coding Katas, with an emphasis on testing critical financial logic and integration points. Strong working experience with version control (Git/Github) and CI/CD pipelines, demonstrating the ability to design and implement secure, automated deployment processes for applications interacting with core banking systems. Working knowledge of Infrastructure as Code (IaC), Virtualization, and Container Orchestration (Kubernetes - K8s) configurations, understanding how to provision and manage infrastructure for financial applications, ensuring reliability and security. Must have DevSecOps experience, having designed and implemented secure CI/CD pipelines that incorporate security scanning (SAST/DAST) and compliance checks relevant to the banking industry. Should have strong working experience with public cloud platforms, especially GCP, demonstrating expertise in Containerization and Virtualization technologies for deploying and managing financial services applications securely in the cloud. Extensive knowledge on Static Application Security Testing (SAST) and Dynamic Application Security Testing (DAST) capabilities, and how to interpret and act on findings in a security-sensitive financial environment. Must know how to debug cloud-native platforms, including managed and unmanaged services, IAM configurations, Custom Resources, and Policy as Code (PAC), specifically in the context of troubleshooting financial applications deployed on GCP. Proficient in monitoring and logging tools such as Dynatrace, Splunk, Prometheus, and Grafana, with experience setting up monitoring for performance, availability, and security events related to core banking integrations and financial transaction flows. Extensive knowledge of database systems and SQL, with proven ability to perform Object-Relational Mapping (ORM) and write complex queries to fetch and manipulate data. Experience with MySQL, SQL Server, PostgreSQL, and/or MongoDB is required, with an understanding of the data structures and integrity requirements for financial data. Experience in using web hosting platforms on cloud services, with required exposure to GCP for deploying, managing, and scaling financial applications securely. Advanced troubleshooting skills, with the ability to diagnose and resolve complex technical issues across the full stack, including issues related to core banking system integrations, data inconsistencies, and performance problems under high load. Excellent communication, collaboration, and interpersonal skills, with the ability to effectively interact with technical teams, business stakeholders, and potentially core banking platform vendors. Understanding of data security and privacy principles (encryption, tokenization, access control) and relevant financial regulations (GDPR, CCPA, specific banking acts).

Collaborate closely with the Product team and Core Banking domain experts to define the scope, scale, and technical requirements for new features or integrations related to core banking functionalities (Account services, transaction processing, lending workflows, regulatory reporting). Design resilient, scalable, and secure system architecture that effectively integrates with or extends the capabilities of the core banking platform, considering upstream and downstream data flows. Implement robust data structures and apply appropriate design patterns specifically for handling sensitive financial data and optimizing interactions with core banking databases or APIs, ensuring solutions are cloud-agnostic where required. Design and Develop highly scalable and secure APIs and Microservices that serve as integration layers between the core banking system and other internal/external applications, handling high transaction volumes and ensuring data consistency across systems. Ensure these services are container-agnostic and leverage virtualization capabilities effectively. Write high-quality, maintainable code (both low-level interaction logic and high-level business logic) that directly interfaces with core banking APIs, databases, or messaging queues, building necessary abstraction and orchestration layers to manage complexity and dependencies. Develop comprehensive test coverage models. Troubleshoot and resolve complex technical issues, bugs, and data discrepancies that arise from core banking interactions, integration points, or specific banking business logic. Refactor existing code and propose system design adjustments to improve reliability and maintainability within the banking context. Identify and address performance bottlenecks within core banking integration points, transaction processing paths, or data retrieval mechanisms, optimizing software efficiency under heavy load conditions typical in financial systems. Work collaboratively with UI/UX designers and other engineering teams to develop microservices that expose core banking functionalities or consume data from the core, ensuring a seamless and secure user experience. Create clear and comprehensive technical documentation for APIs, integration flows, data models, and system designs specific to the core banking domain and its interactions. Ensure all development and implementation activities adhere strictly to banking industry regulations, security standards (like data encryption and access control), and internal compliance policies, specifically regarding the handling and processing of financial data. * Develop expertise in the specific core banking platform(s) used by the organization ([e.g., Fiserv, FIS, Finacle]), understanding their architecture, data models, and customization capabilities.