Bank Lending Java Developer - Bank Technology at Charles Schwab

Your opportunity

At Charles Schwab, our purpose is simple: we champion client's goals with passion and integrity. Guided by honesty, mutual respect and a commitment to doing what's right, we bring innovation, education, and service together to help shape financial futures. Our people are the foundation of our success - they approach their work with curiosity and collaboration, coming together to create solutions that make a meaningful impact for clients and communities. As we expand into India, we are bringing this same culture of inclusion, learning, and opportunity to new talent. Joining us means becoming part of a global team where your work matters and your future can take shape.

Our Hyderabad location is central to Schwab's growth, bringing together talented people and technology to drive innovation, scale and efficiency. Here, you will work alongside teams who create solutions that support millions of clients every day. The work you do is more than daily operations - it's a chance to experiment, learn, and build within a values-driven, supportive environment. This is a unique opportunity to be part of our early growth phase and shape something new, backed by the stability and strength of a Fortune 500 company. Your impact begins on day one, and your contributions will help define our future in the region.

We are looking for a Software Engineer that will build and enhance our tech stack to support Charles Schwab Bank's Lending products across both Home Mortgages and Securities-based Lending such as our flagship 'Pledged Asset Line' product. This role will immerse themselves in our tech stack (Spring Boot / Java) while harnessing GitHub CoPilot to drive AI augmented ways of building software. Our Bank Technology team (Lending) oversees complex integration across SaaS providers and our core Lending platforms (System of record) for both Loan Origination and Servicing use cases. You'll support product offerings that provide liquidity to clients with a diverse range of asset classes held at Schwab. If you're looking to bring your expertise to a firm that will provide consistent challenges, promoting development and ownership of your career, this is the role for you.

• Design, develop, and deliver solutions as part of an Agile Scrum team.
• Leverage understanding of software development principles and practices to help mentor and coach junior team members.
• Support and triage issues and participate in production support to help develop resilient and secure systems to prevent issues that impact our clients.
• Collaborate with product owners and business stakeholders to define strategy and scope of software requirements (decompose stories, design features, and prioritize tasks)
• Delivering new concepts and features, working alongside development peers and product owners in an agile environment
• Utilize automated software test tools and frameworks such as test-driven development to achieve the highest quality in software delivery
• Drive the low level design of software components and libraries used to implement business use cases

What you have Required Qualifications

• 4+ years developing with Java
• 2+ years working with REST/SOAP Services or Spring Batch / Spring Cloud Data Foundary
• 1+ year working with large data and experience analyzing and improving efficiency.
• 2+ years of experience designing and coding using object-oriented principles.
• 2+ years of experience in database principles, such as SQL, Oracle, Mongo DB or Hadoop
• Experience with Agile Development Practices, Scrum
• Strong written and verbal communications, collaboration, and problem-solving skills are necessary.
• Ability to communicate effectively with business partners and technology teams.
• Self-starter who can grasp difficult concepts and large architectures quickly.
• Experience with unit testing and history of successful interaction with a QA group
• Experience supporting releases for and applications in production.
• BS or MS in computer science or related technical field

Preferred Qualifications:

• Knowledge of design principles and standards, CI/CD pipelines, Unit Testing, test cases
• A yearning to understand and demonstrate new tools and technologies, with an emphasis on incorporating AI into software development
• A yearning to use technology to build products that 'wow' users.
• Knowledge of Banking technology, with a preference in Lending/Mortgage related processes
• Complex vendor integrations via files, APIs, and streams
• Desire to mentor peers and junior staff
• Desire to be a technical leader within a scrum environment.

What's in it for you

At Schwab India, you're empowered to shape your future. We support your growth through meaningful work, continuous learning, and a culture rooted in trust and collaboration - so you can build the skills to make a lasting impact. Our benefits are designed to care for your wellbeing, your family, and your long-term financial security.

Our base benefits, wellbeing, and total rewards include:

• Competitive compensation and retirement programs including Employee Provident Fund (EPF), Gratuity, and optional National Pension System (NPS) contributions
• Robust Paid Time Off, including annual/privilege leave, sick and casual leave, public holidays, maternity/paternity leave, and more
• Education assistance for continued learning to help you grow
• Comprehensive medical insurance with Outpatient Department (OPD) services, including vaccination, pharmacy, dental, and vision coverage
• Annual reimbursement for health check-ups and mental health support through our Employee Assistance Program (EAP)
• Childcare (creche) reimbursement for eligible employees
• Transportation and meal benefits that support your day-to-day work
• Group life, personal accident, and critical illness insurance