L3 SDE (AI/ML)

Role & Responsibilities

We’re looking for an experienced Data Architect to lead enterprise-scale data modernization initiatives leveraging Microsoft Fabric. In this role, you will define the target-state architecture, implement Medallion (Bronze/Silver/Gold) architecture within Fabric Lakehouse, and establish enterprise data governance frameworks. You will also build GenAI-ready data platforms that enable advanced analytics, machine learning, and secure enterprise-wide data access.

Responsibilities:

• Lead enterprise-scale implementation of modern data platforms using Microsoft Fabric
• Design and implement Medallion architecture (Bronze/Silver/Gold)
• Architect scalable Lakehouse, Data Warehouse, and Real-Time Analytics solutions
• Define data modeling standards (Dimensional, Data Vault)
• Establish data governance frameworks including cataloging and lineage
• Build CI/CD pipelines for data platforms
• Design AI/ML and Generative AI-ready architectures
• Build ingestion pipelines (batch, streaming, CDC)
• Enable real-time data processing
• Develop target-state architecture and standards
• Collaborate with cross-functional teams
• Act as a trusted advisor to clients

Ideal Candidate

• Strong Microsoft Fabric / Azure Data Architect profile
• Mandatory (Experience 1) – Must have 8+ years of experience in Data Architecture / Data Engineering, with strong exposure to enterprise-scale data platform modernization initiatives
• Mandatory (Experience 2) – Must have 3+ years of deep hands-on experience in Microsoft Fabric ecosystem including Fabric Lakehouse, OneLake, and Data Factory, with large-scale implementations
• Mandatory (Experience 3) – Strong expertise in designing and implementing Medallion (Bronze/Silver/Gold) architecture and scalable lakehouse platforms supporting batch and real-time workloads
• Mandatory (Experience 4) – Strong experience in Azure data ecosystem including Azure Data Factory, Azure Synapse, ADLS, and Power BI, with good understanding of cloud-native data architectures
• Mandatory (Experience 5) – Proven experience designing scalable data models including Dimensional Modelling (Star/Snowflake) and/or Data Vault for enterprise data warehouses
• Mandatory (Experience 6) – Must have hands-on experience building ingestion pipelines including batch, streaming, and CDC pipelines using tools like Spark, Kafka, or Fabric pipelines
• Mandatory (Experience 7) – Strong experience in implementing data governance frameworks including data cataloging, lineage, metadata management, and security controls
• Mandatory (Skill 1) – Proven experience in building CI/CD pipelines for data platforms using Azure DevOps / Git, including automated deployment and environment management
• Mandatory (Skill 2) – Hands-on experience designing AI/ML-ready data platforms, enabling advanced analytics, machine learning, and Generative AI use cases
• Mandatory (Skill 3) – Experience with orchestration and workflow tools, and integrating data platforms with BI tools like Power BI for enterprise reporting
• Mandatory (Note) – Only immediate joiners (within 15 days) will be considered
• Preferred (Certification) – Microsoft Fabric / Azure certifications; exposure to MDM, data quality frameworks, and enterprise metadata tools

REVIEW CRITERIA:

• Strong Credit & Risk strategist profile
• Must have 2.5+ years of experience as credit and risk strategist/analyst in unsecured personal loan in B2C Fintech Product Companies (or NBFC)
• Must have strong understanding of automated underwriting and SMS underwriting for lending
• Must have experience with scorecards, rule engine, bureau data, device signals and behavioural insights
• B2C Fintech Product companies 

ROLE & RESPONSIBILITIES:

We are looking for a Credit & Risk Lead who can craft smart, data-driven credit strategies to scale the app while keeping delinquencies low.

WHAT YOU’LL DO:

• Build and refine credit strategies for short-tenure, small-ticket unsecured personal loans.
• Work with Data Science to improve decision engines, scorecards, rules, and real-time underwriting models.
• Create sharp risk segmentation using behaviour, device signals, bureau data, fraud patterns, and portfolio trends.
• Analyse bounce rates, roll rates, early-bucket trends, and cohort behaviour to identify segments driving delinquencies.
• Share clear insights with Collections to boost pre-due and early DPD performance and improve cure rates.
• Track vintages, cohorts, and DPD curves to iterate policies, limits, and approval logic continuously.
• Strengthen fraud detection, identity checks, and thin-file underwriting frameworks to ensure clean approvals.
• Own policy governance, compliance, documentation, and alignment with RBI Digital Lending Guidelines.
• Stay ahead of market trends, competitor practices, and regulatory shifts to keep the risk engine future-ready.

IDEAL CANDIDATE:

• 2.5+ years in unsecured personal loan risk within a fintech or NBFC.
• Strong understanding of digital underwriting, policy design, and credit decisioning for short-tenure PL.
• Experience working with scorecards, rule engines, bureau data, device signals, and behavioural insights.
• Ability to work closely with Data Science, interpret large datasets, and convert insights into clear credit actions.
• Strong communication, cross-functional collaboration, and a proactive, analytical mindset.

PERKS, BENEFITS AND WORK CULTURE:

• Work directly with Founders: Mikhil Innani, former co-founder of PharmEasy and ex-Product Head at Hotstar, and Diksha Nangia, a former banker and CFA Charterholder.
• Best of both worlds: startup energy + listed company stability.
• Competitive pay and fast-track growth.

Senior Software Engineer

Location: On-site, Panaji, Goa

About Joyful

Joyful is a leading AI-powered stakeholder communication management platform for voice of stakeholder analysis and contact center solutions. Our mission is to use AI to make all interactions between a company and its stakeholders joyful by removing friction. Joyful is a part of Germinait Solutions Pvt. Ltd.

Our  Joyful modules, Engage and Listen, help businesses understand and manage stakeholder interactions across digital channels. We enable companies to provide exceptional customer experiences while maximizing the productivity and efficiency of their support teams, all through one seamless platform.

At Joyful, we're committed to fostering meaningful interactions between stakeholders and brands by providing actionable insights, personalized replies, and a joyful experience for customers, users, and employees alike.

The Opportunity

We’re seeking a Senior Software Engineer who thrives on solving complex problems, architecting scalable systems, and bringing innovative AI-powered features to life. You will work on a modern, cloud-native stack—leveraging serverless deployment, microservices, and AI/ML integrations to build resilient, high-performance solutions.

In addition to delivering high-quality code, you’ll contribute to Joyful’s Vibe Coding culture—our approach to writing code that’s clean, collaborative, and a joy to work with.

What You'll Do

• Backend & Cloud Development
• Design, develop, and maintain scalable microservices for Joyful’s Engage and Listen platforms
• Build serverless applications and functions (AWS Lambda, Azure Functions, or GCP Cloud Functions) for rapid, cost-effective deployments
• Implement robust APIs and data pipelines optimized for performance and reliability
• Ensure security, compliance, and data privacy in all backend services
• AI-Powered Solutions
• Integrate AI/ML models into production workflows to enhance automation, personalization, and analytics
• Collaborate with data scientists to operationalize AI models for real-time and batch processing
• Build features that leverage NLP, sentiment analysis, and predictive analytics for stakeholder communication insights
• Vibe Coding Culture
• Write clean, well-structured, and maintainable code that engineers enjoy working with
• Participate in pair programming, peer reviews, and collaborative debugging sessions
• Share best practices and mentor junior engineers to raise the technical bar across the team
• Help maintain a development atmosphere that’s positive, creative, and focused on continuous improvement
• DevOps & Deployment
• Work closely with DevOps teams to optimize serverless deployments, CI/CD pipelines, and automated testing
• Ensure observability, monitoring, and alerting systems are in place for all deployed services
• Contribute to cost optimization strategies for serverless architectures
• Collaboration & Problem-Solving
• Partner with product managers, architects, and designers to translate business requirements into technical solutions
• Participate in sprint planning, backlog refinement, and retrospectives
• Troubleshoot production issues and drive root cause analysis for lasting fixes

What You'll Need

• 3+ years of experience in software development, preferably in SaaS or AI-driven products
• Strong expertise in backend development using Java (Spring Boot), Node.js, or Python
• Experience with serverless architectures (AWS Lambda, Azure Functions, or GCP equivalents)
• Solid understanding of cloud services (AWS, Azure, or GCP) and microservices design patterns
• Hands-on experience integrating AI/ML models into applications
• Familiarity with NLP, speech-to-text, or sentiment analysis APIs is a plus
• Knowledge of relational and NoSQL databases (PostgreSQL, DynamoDB, MongoDB, etc.)
• Experience with CI/CD pipelines, automated testing, and monitoring tools
• Strong problem-solving skills and ability to work in fast-paced, collaborative environments
• Passion for clean, maintainable code and contributing to a healthy team culture

Why Join Joyful?

• Work on AI-powered solutions that transform how businesses connect with their stakeholders
• Be part of a team that embraces serverless-first development and modern cloud-native architectures
• Thrive in a Vibe Coding culture where great engineering meets great energy
• Collaborate with talented peers in a supportive, innovation-driven environment
• Enjoy professional growth opportunities in a fast-scaling company
• Work from our beautiful Goa office while building solutions used worldwide

At Joyful, we believe that combining AI innovation, scalable cloud design, and a joyful coding culture leads to exceptional products. If you’re passionate about building intelligent, high-performance systems while keeping the engineering vibe positive, we’d love to hear from you!

Selected intern's day-to-day responsibilities include:

1. Build and execute social media strategy through competitive research, platform determination, benchmarking, messaging, and audience identification

2. Generate, edit, publish and share daily content (original text, images, video, or HTML) that builds meaningful connections and encourages community members to take action

3. Set up and optimize company pages within each platform to increase the visibility of the company's social content

4. Moderate all user-generated content in line with the moderation policy for each community

5. Create editorial calendars and syndication schedules

6. Continuously improve by capturing and analyzing the appropriate social data/metrics, insights, and best practices, and then acting on the information

7. Collaborate with other departments (customer relations, sales, etc.) to manage reputation, identify key players, and coordinate actions

Who can apply:

1. Internship experience or knowledge on SMM

2. Immediate Joining

3. Should be available for 3 months.
4. Part time Internship

• Test current products and identifying deficiencies
• Suggest solutions to identified product problems 
• Investigate product quality in order to make improvements to achieve better customer satisfaction
• Plan, create and manage the overall Quality Planning strategy
• Collaborate with the Product Development team to ensure consistent project execution
• Identify quality assurance process bottleneck and suggest actions for improvement 
• Oversee continuous improvement projects 
• Collect quality data 
• Identify key KPIs for product quality

• Handling IR Desk
• Handling banking relationships across the consortium of bankers
• Handling relationship with Rating Agency

Desired Candidate Profile

• BCom, MBA or CA
• Min 5 to 7 years of relevant experience
• Hands on experience in Microsoft Excel, PowerPoint and Financial Analysis
• Excellent knowledge of law and finance    

• Mosaic Wellness is looking for an Android developer responsible for the development and maintenance of existing applications along with continuous integration of new features, who can take the ownership and work independently.
• 1.5+ years of experience in Kotlin is must 
• Your primary focus will be development of Android applications and their integration with back-end services. You will be working alongside other engineers and developers working on different layers of the infrastructure.
• Therefore, a commitment to collaborative problem solving, sophisticated design, and the creation of quality products is essential.
  

• Integrate the design into high-quality code.
• Ensure the performance, quality, and responsiveness of an application.
• Identify and correct bottlenecks and fix bugs.
• Work along-side other developers working on a different platform for the Application. Therefore, commitment to collaborative problem solving, design implementation and creating a quality product is essential.
  

• Minimum 2+ years of experience in Android Application Development.
• Strong knowledge of Android SDK, different versions of Android, and how to deal with different screen sizes.
• Understanding of Android design principles and interface guidelines.
• Must have already deployed at least one app on PlayStore.
• Working knowledge of Web Services & REST (JSON) APIs, Websocket, Kotlin, Retrofit, SQLite, Google API Integration, Firebase.
• Familiarity with cloud message APIs and push notifications.
• Experience with third-party libraries and APIs.
• Strong mobile UI design and implementation experience.
• Experience with the E-commerce store app
  
• Understanding of code versioning tools.