Senior Full Stack Engineer

Job Summary

We are looking for a Senior Full Stack Engineer to take ownership of our digital lending platform, which includes a Loan Origination System (LOS) and a Loan Management System (LMS). This critical role involves extensive system ownership, architectural decision-making, and execution within a regulated Non-Banking Financial Company (NBFC) environment. The selected candidate will start by collaborating with external vendors and gradually lead the in-house development and migration of core lending systems.

Responsibilities

• Backend System Ownership

  • Build and maintain backend services for:
    • Loan Origination System (LOS): application capture, KYC orchestration, underwriting, approvals, e-sign, and disbursement.
    • Loan Management System (LMS): loan booking, EMI schedules, repayments, penalties, NPA tracking, and closures/foreclosures.

• Integrations

  • Integrate with various systems, including:
    • Credit bureaus
    • Payment gateways and bank rails
    • eNACH / UPI autopay systems
    • KYC and e-sign providers
    • Accounting systems

• Frontend Development

  • Develop and maintain React-based applications for:
    • Internal teams (credit, collections, operations)
    • Borrower-facing flows as necessary

• Platform Migration

  • Lead the incremental migration from vendor systems to in-house infrastructure while ensuring zero disruption across the loan lifecycle.

• Data Integrity & Financial Accuracy

  • Maintain critical components such as:
    • Audit trails
    • Idempotent systems
    • Reconciliation processes with banking partners and accounting systems

• Reliability & Operations

  • Ensure production-grade reliability through:
    • Monitoring, alerting, and incident response.
    • On-call support during disbursement and repayment periods.

Qualifications

• Technical Skills

  • 2–5 years of experience in building production-grade backend systems using Python (FastAPI/Django).
  • Strong expertise in PostgreSQL:
    • Schema design, indexing, transactions, and isolation levels.
    • Handling financial data, ensuring no floating-point errors.
  • Experience with asynchronous processing systems, including:
    • Celery and RabbitMQ (or similar), with a focus on retries, queues, and idempotency.
  • Hands-on experience integrating with third-party financial or critical APIs.
  • Working knowledge of React for building internal tools.

• Soft Skills

  • Ability to understand and modify existing systems safely with a migration mindset.

Preferred Skills

• Experience in NBFCs, fintech, lending, neobanking, or payments companies.
• Familiarity with regulatory frameworks such as:
  • RBI Digital Lending Guidelines
  • NBFC Scale-Based Regulation
  • DLG Guidelines
• Experience migrating from vendor/SaaS systems to in-house platforms.
• Exposure to DevOps practices, including:
  • Containers, CI/CD pipelines
  • Monitoring tools like Datadog, Grafana, and Sentry.