Mcredit Tech Stack

Vietnamese fintech joint venture scaling consumer lending with microservices

Financial Services Hà Nội, Hà Nội 1,001–5,000 employees Founded 2016 Partnership

Mcredit is a consumer finance company backed by two major shareholders—a Vietnamese military-affiliated bank (MB Bank) and Japan's SBI Shinsei Bank—delivering loans and financial products through a mobile-first platform. The tech stack (Spring Boot, Kafka, Kubernetes, PostgreSQL, Oracle, Python/R) reflects a mature microservices architecture in active development; concurrent hiring across engineering, finance, and risk roles, combined with projects around risk modeling, decision-engine optimization, and debt-recovery forecasting, signals scaling beyond basic lending into ML-driven underwriting and collections.

Tech Stack 47 technologies

Core StackKafka RabbitMQ Jenkins GitLab CI/CD AWS Python SAS Java Spring Oracle SQL Server PostgreSQL MongoDB MySQL Redis Docker Kubernetes ArgoCD gRPC GraphQL Spring Boot GCP Azure R SQL VBA SOAP REST OpenAPI Swagger+17 more

What Mcredit Is Building

◆Challenges

Improving recruitment processes
Mass hiring challenges
Talent attraction in finance banking
Business and operational efficiency
Security and regulatory compliance
Optimizing debt recovery strategy
Forecasting debt recovery outcomes
Applying ai/ml to debt recovery
Developing debt recovery strategy
Optimizing decision engine workflow

▲Active Projects

Employer branding campaigns
Mass hiring initiatives
Overall it architecture implementation
Technology research and experimentation
Develop and deploy risk models for consumer loan customers
Prepare periodic scorecard reports
Microservice backend development
Core platform
Design system
Super app integration

Hiring Activity

Accelerating8 roles · 4 in 30d

Department

Engineering

Finance

Seniority

Mid

Senior

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About Mcredit

Founded in 2016, Mcredit operates as a financial services joint venture in Vietnam, serving consumer lending and financial products to retail customers through a digital application. The company operates a polyglot backend—spanning Java/Spring Boot, multiple SQL databases (Oracle, PostgreSQL, MySQL, SQL Server), and cloud infrastructure (AWS, GCP, Azure)—alongside Python and R for analytics and risk modeling. Operational priorities include mass hiring, internal platform architecture upgrades, and development of AI/ML-powered risk assessment and debt recovery optimization. The company is headquartered in Hanoi and currently hiring in the Philippines.

HeadquartersHà Nội, Hà Nội

Company Size1,001–5,000 employees

Founded2016

Hiring MarketsPhilippines

Frequently Asked Questions

What tech stack does Mcredit use?

Spring Boot, Java, Kafka, RabbitMQ, PostgreSQL, Oracle, MongoDB, Redis, Kubernetes, Docker, AWS, GCP, Azure, Python, R, and REST/GraphQL APIs.

What is Mcredit working on?

Microservice backend development, consumer loan risk models, debt recovery forecasting and strategy optimization, super app integration, design systems, and core platform architecture.