We help resolve serious problems in credit, where there are impacts on all kinds of businesses and consumers. It’s serious business and European banks alone generate over 150 billion Euros per year in new problem cases.  We put in the thought on complex issues, talk within the team about the tradeoffs of various solutions, welcome feedback, and implement quality directly into the code. This includes comfort with various abstractions and patterns, as well as creating the tests necessary to ensure that the code works properly. When there is technical debt created, they document it for later, or while building something new, refactor the services to make them better as they go. 
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