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Engineering Lead
NBFC for Digital Lending

Engineering Lead at NBFC for Digital Lending · Mumbai · 7 - 12 years · Upto ₹70L / yr · Posted 23 Sep 2026

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Engineering Lead

at NBFC for Digital Lending

Agency job
7yrs+
Upto ₹70L / yr (Varies
)
Mumbai
Skills
skill iconPython
skill iconReact.js
Team Management
skill iconAmazon Web Services (AWS)
skill iconReact Native



We are looking for an Engineering Lead to own the entire technology stack — from onboarding and underwriting to disbursals, repayments, and collections — and to build the engineering function into something genuinely AI-native. 

What You'll Own 

● Full tech stack: backend, frontend, infrastructure, integrations, and data pipelines 

● Real-time underwriting and decisioning systems 

● LOS/LMS architecture — onboarding, disbursals, repayments, and collections

● Integrations with bureaus, KYC providers, account aggregators, and payment gateways 

● Reconciliation systems — disbursement, repayment, and NACH reconciliation end-to-end 

● AWS infrastructure: scaling, reliability, uptime, and cloud cost ownership ● Data infrastructure for the credit and risk team — feature pipelines, model serving, experiment infrastructure 

● Engineering leadership: hiring, sprint planning, code reviews, and execution standards 

● Compliance systems: RBI guidelines, DPDP, KYC/AML, e-NACH, e-sign 

AI-Native Engineering 

This is a core part of the role, not a bonus. You will build a machine-readable knowledge base of the entire codebase — architecture, data models, service contracts, coding standards, decision history — so that AI agents working on code have the context to produce accurate, consistent output. You will build skills for code review, developer onboarding, and recurring engineering workflows. You will build a code review pipeline where agents do the first pass on every pull request. The knowledge base and the skills improve over time as the team grows and the product evolves. 

What We're Looking For 

● 7+ years in software engineering, with at least 2 years leading teams or architecture

● Strong hands-on experience with Python, Django, and React Native

● Deep expertise in AWS and cloud-native architecture 

● Experience with both SQL and NoSQL databases 

● Strong understanding of distributed systems, microservices, and API design

● Experience owning reconciliation or payment flow infrastructure in a lending or payments context

● Prior experience in fintech / NBFC / digital lending — mandatory

● Strong understanding of the full loan lifecycle — mandatory 

● You have used LLMs seriously as engineering tools and have strong opinions about what makes AI-assisted development produce good output versus mediocre output 

Bonus: Kubernetes / Kafka, AI/ML-driven underwriting, Account Aggregator framework, e-NACH / e-Sign / Video KYC integrations 

What Success Looks Like 

● scales with strong uptime, performance, and reliability

● Reconciliation runs cleanly — no financial discrepancies surface late ● A new engineer joins and is writing standard, correct code within their first week

● The credit team is never blocked on an engineering dependency 

● Engineering health metrics are tracked and visibly improving 

● AI agents are doing the structured first pass on code reviews, and the system gets smarter over time 

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Shubham Vishwakarma

Full Stack Developer - Averlon
I had an amazing experience. It was a delight getting interviewed via Cutshort. The entire end to end process was amazing. I would like to mention Reshika, she was just amazing wrt guiding me through the process. Thank you team.
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The AI-agent layer is the next lever, and it's a business lever as much as a technical one. Every workflow we can hand to a well-orchestrated agent instead of a new hire is a workflow that scales without adding headcount, which is exactly how a company grows 3x a year without diluting equity to fund the team behind it. That's why agent orchestration across multiple LLMs, using LangGraph, sits in the "go deep" tier of this role rather than being a nice-to-have.


You'll likely find some of this framing right and some of it worth challenging once you're actually in the codebase. That's expected, and honestly preferred over someone who just nods along.


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You'll be the most senior technical person in the company, reporting directly to the founder. Not a manager brought in to run standups. An owner. You set the architecture, you write code yourself, and you make the team materially better. You also own where AI and automation take this company next, starting with our first in-house AI agent product (details shared in the interview), and expanding from there into how the company runs, department by department: HR, finance, marketing, design, development, all sitting on an engineering layer that you design.

If you've outgrown a role where you plan but don't build, or where good ideas die in a committee, this is built to be the opposite of that.

What You'll Own

  • Architecture, end to end. Scalable, cost-efficient systems from day one, not "fix it later" engineering. You own the decisions and their long-term consequences.
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  • The AI-agent roadmap. Own the architecture behind our first AI agent product, then the broader strategy for AI agents and automation across every function in the company, with engineering as the layer underneath all of it.
  • Team scaling. Build the next layer of leads under you so execution quality scales without you being the bottleneck.
  • Technical accountability. When something breaks, you fix it. You don't escalate and wait.


Our Stack, and the Depth We Expect

Not everything on this list needs the same level of mastery. Some of it you need to own at an architectural level. The rest you need to be strong enough to build yourself, direct the team on, or delegate to AI agents with confidence.

Go deep here. This is where the real architecture decisions live, and where the business impact is highest:

  • AWS, serverless first. You should be genuinely well versed in AWS application development, not just "have used AWS." You should be able to design and guide serverless architecture (Lambda, API Gateway, DynamoDB, Step Functions, and similar) as our default way of building, because our demand curve is spiky by nature and fixed infrastructure is money left on the table.
  • TypeScript, our primary language across backend and frontend.
  • Agent orchestration across multiple LLMs, using LangGraph. This is core to our AI roadmap and our path to scaling operations without scaling headcount. You own how it's architected, not just how it's used.

Working proficiency. Build it yourself, direct the team, or hand it to an AI agent and know if the output is right.

This Is You If

  • You've built and shipped real production systems yourself, not just reviewed other people's architecture from a distance.
  • You go deep wherever the problem is, and you're comfortable owning the exact stack described above, not just "full-stack" in the abstract.
  • You've made engineers around you measurably better, whether or not you've held the title for it yet.
  • You're already using AI coding tools and agents seriously, like Claude, Cursor, or similar tools, as part of how you build, not as something you tried once. We'll likely explore this together in the interview.
  • You have a bias toward leverage over hours. You'd rather automate or systematize a problem than grind through it. But when something's live and needs to be done right, you see it through completely, with no half-finished work.
  • You want to build something for years, not land somewhere comfortable. We'll know the difference from how you talk about your last three years.

This Might Not Be the Right Fit If

  • You'd prefer a stable, well-defined role with clear boundaries and someone else making the calls. That's a fair thing to want, just not what this is.
  • You'd rather receive direction than bring us architecture and AI strategy yourself.
  • You haven't yet gotten hands-on with AI coding tools in your daily work.
  • You're drawn more to the title than the work behind it.

If none of that sounds like you, we'd love to hear from you.

Requirements

  • 5 to 7 years of experience in software engineering, with real ownership of architecture-level decisions, not just feature delivery.
  • Prior experience leading or mentoring engineers, formally or informally.
  • Tier-1 or Tier-1+ engineering college strongly preferred (IIT, BITS, top NIT tier, or equivalent). We'll consider other institutions only with clearly commendable, verifiable work: real systems you can walk us through in depth, strong open-source contributions, or a track record that speaks for itself. Pedigree is a proxy for speed, not a checkbox. We test for the underlying ability regardless.
  • Comfortable in an early-stage environment: undefined problems, few processes, and the expectation that you help define both.


Compensation

Competitive, with equity. We're formalizing a structured ESOP program alongside this hire. Specific numbers are discussed directly in later interview rounds.


If reading this got you a little excited about what you'd build here, we'd genuinely love to talk. If it didn't quite land, no hard feelings. We just want the right fit for both sides.


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company logo
Remote only
3 - 15 yrs
₹6L - ₹12L / yr (ESOP available)
skill iconPython
skill iconC#
skill iconReact.js

Position Overview

We are seeking a versatile Senior Full Stack & AI Agent Developer to architect, build, and

maintain end-to-end software solutions spanning web platforms, desktop applications, and

autonomous AI agents capable of interacting with and controlling these software systems.

The ideal candidate will bridge traditional engineering software with cutting-edge artificial

intelligence to automate data processing and enhance operational decision-making. While

not strictly required, a background or strong interest in the energy sector—specifically

drilling and completion operations—is highly desirable.

Key Responsibilities

• Full Stack Development: Design, develop, and deploy robust web applications and

native desktop software utilized by engineering and operational teams.

• AI Agent Engineering: Build, train, and integrate autonomous AI agents and LLM-

driven workflows capable of interpreting data, executing commands, and safely

controlling desktop and web-based software.

• Workflow Automation: Translate complex workflows into intuitive software features

and autonomous agent actions, minimizing manual data entry and operational

bottlenecks.

• Data Integration: Handle high-frequency data streams and integrate them seamlessly

into user interfaces and backend AI models.

• Architecture & Scalability: Ensure high performance, security, and scalability across

cloud infrastructure (AWS/Azure), local desktop environments, and potential edge

computing setups.

• Cross-Functional Collaboration: Work closely with domain experts and end-users to

translate field challenges into technical product requirements.

Required Qualifications & Experience

• Experience: Minimum of 5 years of professional software development experience,

with a proven track record of delivering production-ready web and desktop

applications.

• Programming Languages: Strong proficiency in Python, JavaScript/TypeScript, and at

least one compiled language (C#, C++, or Java).• Web & Desktop Frameworks: Hands-on experience with modern frontend

frameworks (React, Angular, or Vue.js), Node.js, and desktop application development

(Electron, WPF, Qt, or Tauri).

• AI & Agent Tooling: Demonstrated experience building AI agents using LLM APIs

(OpenAI, Anthropic), open-source models (Hugging Face), LangChain, LlamaIndex,

AutoGPT, or custom agent architectures.

• Automation & UI Control: Expertise in software control mechanisms using tools like

Selenium, Playwright, PyAutoGUI, Appium, or computer vision-based GUI automation to

allow AI agents to navigate software.

• Cloud, DevOps & Databases: Experience with Git, Docker, CI/CD pipelines, cloud

platforms (AWS/Azure/GCP), RESTful APIs, GraphQL, and relational/NoSQL databases.

Preferred Qualifications (Strong Plus)

• Industry Domain Expertise: Prior hands-on development experience within the oil and

gas sector, specifically focused on drilling, completions, rig operations, or subsurface

engineering software.

• Data & Protocols: Familiarity with oilfield data standards (e.g., WITSML, OPC-UA) and

time-series databases.

• Experience deploying AI models and agents in edge or low-connectivity environments

(such as offshore rigs or remote drilling sites).

• Familiarity with safety-critical software design and cybersecurity standards in

industrial control systems (ICS/SCADA).

• Degree in Computer Science, Software Engineering, Petroleum Engineering, or a related technical discipline.

Read more
A design and development studio
A design and development studio
Agency job
via by Ariba Khan
Gurugram
8 - 15 yrs
Best in industry
skill iconPython
Generative AI (GenAI)
Large Language Models (LLM)
Voice Agent
Langchain
+1 more

About the Company

The client is revolutionising the way businesses operate through cutting-edge technological solutions. Their focus is on developing intelligent agents and agentic workflows that automate processes and eliminate the need for human effort wherever possible. By leveraging

advanced AI and machine learning, they create systems that enhance productivity and drive efficiency.

Their expertise extends to the fintech, healthcare and medical technology sectors, where they develop innovative solutions that improve patient outcomes and streamline medical operations.


From medical devices to healthcare platforms, their work sits at the intersection of technology and medicine, pushing the boundaries of what's possible. The team is dedicated to continuous learning and growth, ensuring the team members are always at the forefront of the tech landscape.


About the Role

This is a senior, hands-on engineering role at the heart of our product team. You will be one of the most technical people in the room — setting the architecture for our real-time voice AI

agents and building the hardest parts of it yourself. From the systems that power live conversations to the interfaces our clients rely on, you will own how the product is engineered end to end.


We are looking for a genuine lead full-stack engineer with the depth to make architecture decisions that hold up as we scale, and the appetite to still be in the code every day. You should be as comfortable designing the backend services behind a live voice agent as you are shaping a clean interface on top of them — and comfortable being the person others turn to when something is hard.


You will work directly with the founder and product leadership on a fast-moving product, with real influence over technical direction. This is a role for someone who wants ownership at the level of "how the whole thing is built," not just individual features — and who raises the bar for

everyone around them.


What You'll Own

Set the technical direction

  • Own the architecture of our core systems — the real-time voice agents, backend
  • services, data and APIs — making the decisions that keep the product fast, reliable and scalable as it grows.
  • Lead the hardest engineering problems and solve them personally.
  • Establish engineering standards — code quality, review practices, testing and technical patterns that the team builds to.
  • Drive technical strategy with the founder and product leadership — shaping the roadmap, flagging risk early, and turning product ambition into a sound technical plan.

Build the product end to end

  • Design, build and ship features across the stack — backend services, APIs and front-ends — owning them from idea to production.
  • Build the client-facing surfaces — dashboards, review tools and configuration interfaces that let our clients run and trust the product.
  • Design and evolve the data models and APIs that hold up as we scale across clients.

Make it reliable and fast

  • Own production quality — put the monitoring and alerting in place so issues are caught before clients feel them, and performance stays within target.
  • Care about performance — find and fix bottlenecks across the stack.
  • Build for correctness — put the testing and evaluation in place that keeps the product behaving predictably as it changes.

Lead through the team

  • Mentor and grow engineers — through code review, pairing, and setting a technical example others learn from.
  • Multiply the team's output — unblock others and lift the overall quality of the codebase.
  • Take features from ambiguity to done — turn a rough product goal into a shipped, working capability with minimal hand-holding, and help others do the same.


What We're Looking For

  • 8+ years of professional software engineering experience, with significant depth across backend and a track record of owning systems, not just features.
  • Strong backend engineering, ideally in Python — building and scaling production services and APIs..
  • Proven architecture and system-design ability — you have designed systems that scaled, and can reason clearly about trade-offs.
  • Solid fundamentals across APIs, databases and cloud infrastructure.
  • Experience building real-time and/or AI-powered products — or clear, demonstrable ability to lead in this area.
  • A history of technical leadership — setting standards, mentoring engineers, and being trusted with the hardest problems — while remaining hands-on.
  • Excellent communication and a genuine ownership mindset — someone who can be handed an ambiguous, high-stakes problem and be trusted to see it through.

Nice to Have

  • Experience working with AI / large language models in production.
  • Experience with voice or other real-time products.
  • Exposure to healthcare, fintech, or other regulated / high-stakes domains.
  • Experience as an early or senior engineer in a startup, where you set direction and wore many hats.
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company logo
Mayank Choudhary
Posted by Mayank Choudhary
Pune
3 - 5 yrs
₹27L - ₹32L / yr
skill iconData Science
Artificial Intelligence (AI)
skill iconMachine Learning (ML)

Strong AI Engineer / Machine Learning Engineer profiles.

2

Mandatory (Experience 1) – Must have minimum 3+ years of hands-on experience in Data Science, Machine Learning, Applied AI, NLP, Deep Learning, or Generative AI solutions.

3

Mandatory (Experience 2) – Must have strong hands-on experience in Python programming, SQL, data analysis, feature engineering, model development, and production-grade ML applications.

4

Mandatory (Experience 3) – Must have experience working with Machine Learning and Deep Learning frameworks such as PyTorch, TensorFlow, Keras, Scikit-learn, or equivalent.

5

Mandatory (Experience 4) – Must have hands-on experience working on NLP, embeddings, semantic search, text classification, document understanding, recommendation systems, or similar AI/ML use cases.

6

Mandatory (Experience 5) – Must have experience working with Large Language Models (LLMs) such as GPT, Llama, Mistral, Claude, Gemini, Phi, or similar foundation models.

7

Mandatory (Experience 6) – Must have hands-on experience building or implementing RAG (Retrieval Augmented Generation) systems, vector search, knowledge retrieval, embeddings, chunking, indexing, or semantic retrieval solutions.

8

Mandatory (Experience 7) – Must have experience working with Git, CI/CD practices, production environments, and scalable AI/ML systems.

9

Mandatory (CTC) – The CTC breakup offered will be 75% fixed + 25% variable, as per company policy.

10

Mandatory (Age) - Candidate's Age should be below 30 Years

11

Preferred (Experience 1) – Experience with MLFlow, Kubeflow, Airflow, Prefect, Feature Stores, Model Registry, or MLOps/LLMOps frameworks.

12

Preferred (Experience 2) – Experience working with Vector Databases, Spark, PySpark, distributed ML pipelines, large-scale data processing, or real-time ML systems..

13

Preferred (Experience 3) – Familiarity with Docker, Kubernetes, Azure, AWS, GCP, cloud-native AI deployments, and scalable ML architecture.

14

Preferred (Company) – Candidates from AI-first startups, Fintech, Banking, Lending, Fraud Analytics, Risk Analytics, Product Companies, SaaS organizations, or data-driven technology companies

15

Mandatory ( Pedigree) - B.TECH / M.TECH from Tier 1 Colleges (IIT's, NIT's, BITS) are Considered.

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