Core Engineer

Job title: Core Engineer (Java / React), Fintech & AI

Location: Abu Dhabi, United Arab Emirates (On-site)

Employment type: Full-time

Seniority level: Mid-Senior level

Experience: 2–6 years

The Role

As a Core Engineer, you’ll design and ship the systems behind our credit, workflow and integration engine. That includes Zelo Procure, our source-to-pay procurement ERP with financing embedded directly into the buying flow. Your code ships this sprint, not next quarter.

What You’ll Build

• Core backend services in Java: credit workflows, document processing and financial operations
• Fast, reliable React/TypeScript frontends
• Zelo Procure: requisitions, POs, supplier onboarding, drawdown and embedded financing
• Event-driven workflows and state machines for complex, multi-step business logic
• AI/LLM-powered capabilities: document intelligence, classification, extraction and decisioning
• Data pipelines into our Microsoft Fabric Lakehouse (Spark) for credit intelligence and analytics
• Integrations with enterprise systems (SAP Ariba, Oracle Fusion, customer ERP/AP) and third-party APIs

Tech Stack

Java, React/TypeScript, PostgreSQL + Liquibase, Azure (Functions, Service Bus, Event Grid, API Management, Logic Apps), Microsoft Fabric, Spark, Drools, n8n, and Claude/LLM APIs.

Who You Are

• 2–6 years as a full-stack or backend-heavy engineer, with Java and React in production
• Strong at LLD/HLD: you can zoom from “what does this button do” to “how does this hold up at 100x load”
• You’ve built or scaled a product from small to large, and you know what breaks along the way
• Solid in API design, data modeling and distributed systems
• Self-managed: give you a one-line requirement and you’ll research it, think it through and come back with a real solution
• Curious about AI and automation, and comfortable building with tools like Claude, Cursor and Copilot
• Strong plus: fiscalization or e-invoicing experience (UAE mandate, ZATCA)
• Bonus: comfortable in front of customers

How We Work

We move real money, so auditability, authorization and compliance are design inputs, not afterthoughts. We build with AI daily (“Conscious Vibe Coding”), pairing speed with code review, testing and architectural discipline.

Why Join

• Product-market fit is done, and the capital is ready to deploy
• Real impact and fast decisions, with no layers of sign-off
• Visa sponsorship and relocation support for you and your family
• Faster growth than you’d get in a 200-person engineering org

About Zelo

Zelo helps ambitious businesses grow. We’re building the growth infrastructure businesses need, from invoice financing and bank guarantees to a modern digital procurement platform, all on one regulated platform. With $715M in capital allocation from our parent, IHC, loaded and ready to deploy, we’re scaling fast.

Zelo Finance unlocks the cash tied up in unpaid invoices and turns it into working capital. Businesses selling to the UAE’s biggest buyers no longer wait 90 to 120 days to get paid. They get funded in as little as 24 hours, and can issue bank guarantees with as little as 30% cash margin. That means they can take on the next contract, hire, and expand without waiting on payment cycles.

Zelo Procure is our source-to-pay platform with financing built in. Enterprises use it to digitise their procurement and accounts payable. Every supplier raising invoices through it can draw an instant advance on day one, with no separate application and no waiting. Liquidity becomes part of the procurement workflow itself. Zelo Procure is already rolling out with partners across the UAE.

Zelo is licensed by the ADGM Financial Services Regulatory Authority, backed by IHC. We’re a small team in Abu Dhabi, growing fast, and building systems that help the UAE’s businesses grow with us.

How to Apply

Skip the cover letter. Send a 60–90 second video or voice note on the hardest thing you’ve shipped, or what you’d do with a one-line spec and zero hand-holding, to careers@zelofinance.ai