Senior Software Developer- Lead Developer(Core Banking)

We made history and now we work to transform the future – for our customers, our communities and our families. You'll see your work on the road every day, helping people move freely and pursue their dreams. At Ford, you can build more than vehicles. Come build what matters.

We are the movers of the world and the makers of the future. We get up every day, roll up our sleeves, and build a better world — together. At Ford, we’re all a part of something bigger than ourselves. Are you ready to change the way the world moves?

The Ford Motor Credit Company team helps put people behind the wheels of great Ford and Lincoln vehicles. By partnering with dealerships, we provide financing, personalized service, and professional expertise to thousands of dealers and millions of customers across more than 100 countries worldwide.

Ford Credit is building a new bank and modern digital banking capabilities on a cloud-native foundation. A key part of this transformation includes building and integrating core banking capabilities with strategic platforms such as Fiserv DNA, Create Digital, and Nautilus. We are looking for a Senior Software Engineer / Lead Developer who will play a key role in designing, developing, and delivering mission-critical banking services across this ecosystem.

In this position...

You will help build the core banking backbone, including ledgers, transactions, product processing, and financial data integrity, using a cloud-native, event-driven architecture on Google Cloud Platform (GCP). This role will also help shape how Ford Credit integrates and extends Fiserv-powered banking capabilities across the broader digital banking landscape.

• Core Banking Engineering & Implementation: Design, develop, and deliver core banking capabilities including accounts, transactions, ledgers, interest calculations, and operational workflows, ensuring high integrity and correctness in a regulated environment.
• Fiserv Platform Integration: Lead the design and implementation of services and integrations across Fiserv DNA, Create Digital, Nautilus, and related banking platforms. Help define how Ford Credit leverages these platforms as part of its modern banking architecture.
• Integration Layer Engineering: Design and implement robust integration layers across core banking, Fiserv platforms, digital channels, and enterprise systems using APIs, events, and file-based patterns.
• Cloud-Native Engineering on GCP: Build highly available, secure, and scalable services using Google Cloud Platform, including GKE/Cloud Run, Pub/Sub, Cloud SQL/PostgreSQL, Secret Manager, and Cloud Logging/Monitoring.
• API & Integration Strategy: Define and implement API standards as REST a including  idempotency, versioning, and performance considerations across the banking ecosystem.
• Microservices Architecture: Develop modular services using Java and Spring Boot, leveraging domain-driven design and well-bounded contexts.
• Security, Risk & Compliance by Design: Build secure-by-default services for a regulated financial environment, including PII protection, encryption, audit trails, and least-privilege IAM.
• Engineering Excellence: Contribute through hands-on coding, design reviews, and mentoring. Establish best practices for TDD, CI/CD pipelines, and automated quality gates.
• Reliability & Observability: Define SLIs/SLOs and implement logging, monitoring, and distributed tracing. Lead root-cause analysis and drive reliability improvements.
• Technical Roadmap Ownership: Translate product requirements into scalable technical designs and iterative delivery milestones while managing technical debt.
• Collaboration: Work closely with product, architecture, security, and vendor partners, including Fiserv and other strategic platform providers, to align solutions with platform capabilities and business outcomes.

• Bachelor's degree in Computer Science, Software Engineering, or related field. Master's degree preferred.
• 8+ years of professional software engineering experience.
• 3+ years in a technical lead or senior developer role delivering large-scale, mission-critical systems.

• Proven experience building or modernizing core banking systems or similar financial platforms such as ledgers, payment