AI 应用开发工程师

⭐ 本岗位欢迎有意向赴新加坡或马来西亚工作的中国候选人申请，公司提供工作签证申请协助。 公司简介： dtcpay 是一家持有新加坡金融管理局（MAS）牌照的支付服务提供商，专注于连接传统金融与数字资产。我们为企业提供法币与数字货币的收付款服务，致力于打造安全、高效、无缝的跨境支付体验。 随着业务的全球化拓展，我们正在积极塑造数字支付的未来。与此同时，我们荣登 LinkedIn 2025 新加坡 Top 10 Startups 榜单，这既是对我们发展势头的认可，也预示着团队前行的精彩旅程。 📍 工作地点：马来西亚 / 新加坡（全职驻场） 岗位概述： 我们正在寻找一位 AI 应用开发工程师，主导跨境金融科技支付结算领域的 AI 全流程工程化与业务自动化升级。你将聚焦于智能风控、合规审核、商户运营、结算对账等高价值场景，将 AI 能力从概念验证推进至生产级、可扩展、架构优良的系统中。 该岗位要求候选人兼具深厚的软件工程功底与出色的系统架构思维—不仅能构建 AI 功能特性，更能设计出服务化、模块化、多租户且高可用的服务、API 及数据流体系。 工作职责： 1. 基于大语言模型 API 构建智能应用，涵盖 Agent 工作流、智能问答、自动化报告生成、流程自动化助手等形态。 2. 设计并实现 RAG 检索增强生成体系，包括文本分块策略、Embedding 管理、向量库集成及召回效果优化。 3. 构建具备工具调用与函数调用能力的 AI Agent，编排复杂的多步骤业务流程，例如商户入驻审核、单证核验、合规申报等。 4. 编写、评测并优化 Prompt，确保模型回复稳定、准确且符合业务语境；管理多轮对话状态与上下文记忆机制，保障模型输出的连贯性与可靠性。 5. 将 AI 能力封装为可复用的、带版本的 API 或微服务，遵循微服务设计原则。 6. 设计 AI 应用的整体架构，使其具备服务化、模块化、多租户特性，支持 AI 能力在不同业务线间的产品化落地。 7. 搭建自动化的评测、监控与告警体系，持续追踪模型性能（准确率、延迟、成本），并围绕风控准确率、人工替代率等核心指标进行迭代优化。 8. 对接后端核心业务系统，完成与支付、风控、合规平台的接口联调与数据通路搭建，确保满足金融级安全与合规要求。 9. 保障 AI 服务在受监管的金融生产环境中具备稳定性、可扩展性与容错能力。 10. 与产品、运营、业务团队紧密配合，识别并提炼 AI 落地场景。 任职要求： 1. 本科及以上学历，计算机科学、人工智能或相关专业；5 年以上软件开发经验，其中至少 2 年 AI 应用工程化与生产落地经验；具备金融科技 / 支付行业背景者优先。 2. 精通 Python 、Java、 Go、Rust任意一种，对微服务架构、缓存、数据库、消息队列等技术栈有扎实的实践经验。 3. 具备突出的系统架构设计能力，能够将 AI 应用设计为服务化、模块化、多租户且可产品化的系统，并在设计中充分考虑稳定性保障、可观测性与成本控制。 4. 深入掌握大模型应用核心技术，包括 Prompt Engineering、RAG 架构设计与优化、Agent 框架应用及 Function Calling / Tool Use 机制。 5. 理解跨境支付、金融风控、反欺诈、合规审核等领域的业务逻辑；有在金融 / 支付场景中应用 AI 的实际经验者优先。 6. 具备优秀的问题拆解能力与跨部门沟通协作能力，能够在快节奏环境中独立推动 AI 项目交付。 7. 英语可作为工作语言，具备出色的英文书面及口头沟通能力。 加分项: 1. 在跨境支付、电子钱包、收单结算、反洗钱等领域有 AI 落地项目经验。 2. 熟练使用 LangChain、LlamaIndex、Spring AI 等框架，或有自研 Agent / RAG 平台的开发经验。3. 熟悉向量数据库及 Embedding 模型的选型与调优。4. 具备大模型应用的可观测性建设经验。 ⭐ This role is open to candidates currently based in China who are interested in relocating to Singapore or Malaysia. Employment pass sponsorship is available. Who Are We? dtcpay is a MAS licensed payment service provider that bridges traditional finance and digital assets. We enable businesses to accept and make payments in both fiat and digital currencies, delivering secure, efficient, and seamless payment experiences across borders. As we expand globally, we are shaping the future of digital payments. We are also recognised as one of Singapore’s Top 10 Startups in the LinkedIn Top Startups 2025 list, a reflection of our momentum and the exciting journey ahead for our team. We are looking for an AI Application Development Engineer to lead the end-to-end AI engineering and business automation transformation within the cross-border fintech payments and settlement space. You will focus on high-value domains including intelligent risk control, compliance review, merchant operations, and settlement reconciliation — driving AI capabilities from proof-of-concept through to production-grade, scalable, and well-architected systems. This role requires candidates with both strong software engineering fundamentals and exceptional systems thinking — not only building AI features, but designing service-oriented, modular, multi-tenant, and highly available services, APIs, and data pipelines. 📍

Location:
Malaysia / Singapore (Fully On-site)

What You'll Do
Build intelligent applications on top of large language model APIs, covering Agent workflows, intelligent Q&A, automated report generation, and process automation assistants. Design and implement RAG (Retrieval-Augmented Generation) pipelines, including text chunking strategies, Embedding management, vector store integration, and retrieval quality optimization. Build AI Agents with tool-calling and function-calling capabilities to orchestrate complex multi-step business workflows such as merchant onboarding review, document verification, and compliance filing. Write, evaluate, and optimize prompts to ensure stable, accurate, and business-relevant model outputs; manage multi-turn conversation state and context memory to maintain coherence and reliability. Package AI capabilities into reusable, versioned APIs or microservices, following microservices design principles. Design the overall architecture of AI applications with service-oriented, modular, and multi-tenant characteristics to support the productization of AI capabilities across different business lines. Build automated evaluation, monitoring, and alerting systems to continuously track model performance (accuracy, latency, cost), and iterate on core metrics such as risk control accuracy and human replacement rate. Integrate with core backend business systems, complete interface integration and data pipeline setup with payment, risk control, and compliance platforms, ensuring financial-grade security and compliance requirements are met. Ensure AI services maintain stability, scalability, and fault tolerance in regulated financial production environments. Work closely with product, operations, and business teams to identify and refine AI implementation opportunities. What We're Looking For: Bachelor's degree or above in Computer Science, Artificial Intelligence, or a related field; 5+ years of software development experience, with at least 2 years in AI application engineering and production deployment; fintech / payments industry background preferred. Proficiency in Python, Java, Go, or Rust; solid hands-on experience with microservices architecture, caching, databases, and message queues. Strong system architecture design skills — able to design AI applications as service-oriented, modular, multi-tenant, and productizable systems, with thorough consideration of stability, observability, and cost control. Deep practical knowledge of core LLM application technologies, including Prompt Engineering, RAG architecture design and optimization, Agent framework usage, and Function Calling / Tool Use mechanisms. Understanding of business logic in cross-border payments, financial risk control, anti-fraud, and compliance review; hands-on AI experience in financial / payment contexts is a plus. Strong problem decomposition skills and cross-functional collaboration abilities; capable of independently driving AI project delivery in a fast-paced environment. Able to use English as a working language with strong written and verbal communication skills. Nice to Have: Proven experience delivering AI projects in cross-border payments, e-wallets, acquiring and settlement, or anti-money laundering. Proficiency with frameworks such as LangChain, LlamaIndex, or Spring AI, or experience building in-house Agent / RAG platforms. Familiarity with vector database selection and Embedding model tuning. Experience building observability solutions for large model applications.