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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 

Position – Principal Architect

Location – Bangalore/Mumbai/Remote

About Us

upGrad is an online education platform building the careers of tomorrow by offering the most industry-relevant programs in an immersive learning experience. Our mission is to create a new digital-first learning experience to deliver tangible career impact to individuals at scale. upGrad currently offers programs in Data Science, Machine Learning, Product Management, Digital Marketing, and Entrepreneurship, etc.

upGrad is looking for people passionate about management and education to help design learning programs for working professionals to stay sharp and stay relevant and help build the careers of tomorrow.

• upGrad was awarded the https://iamaiida.in/index.php">Best Tech for Education by IAMAI for 2018-19
• upGrad was also ranked as one of the https://www.linkedin.com/pulse/linkedin-top-startups-2018-25-most-sought-after-india-linkedin/">LinkedIn Top Startups 2018: The 25 most sought-after startups in India
• upGrad was earlier selected as one of the https://www.fastcompany.com/most-innovative-companies/2017/sectors/india">top ten most innovative companies in India by FastCompany.
• We were also https://www.ft.com/content/9150579a-f24c-11e6-95ee-f14e55513608">covered by the Financial Times along with other disruptors in Ed-Tech
• upGrad is the https://yourstory.com/2017/01/startup-india-learning-program-offers-free-online-entrepreneurship-course/">official education partner for Government of India - Startup India program
• Our program with IIIT B has been ranked https://www.analyticsindiamag.com/top-10-courses-and-training-programs-on-artificial-intelligence-in-india-ranking-2018/">#1 program in the country in the domain of Artificial Intelligence and Machine Learning

About the Role

A highly motivated individual who has experience in architecting end to end web based ecommerce/online/SaaS products and systems; bringing them to production quickly and with high quality. Able to understand expected business results and map architecture to drive business forward. Passionate about building world class solutions.

Role and Responsibilities

• Work with Product Managers and Business to understand business/product requirements and vision.
• Provide a clear architectural vision in line with business and product vision.
• Lead a team of architects, developers, and data engineers to provide platform services to other engineering teams.
• Provide architectural oversight to engineering teams across the organization.
• Hands on design and development of platform services and features owned by self - this is a hands-on coding role.
• Define guidelines for best practices covering design, unit testing, secure coding etc.
• Ensure quality by reviewing design, code, test plans, load test plans etc. as appropriate.
• Work closely with the QA and Support teams to track quality and proactively identify improvement opportunities.
• Work closely with DevOps and IT to ensure highly secure and cost optimized operations in the cloud.
• Grow technical skills in the team - identify skill gaps with plans to address them, participate in hiring, mentor other architects and engineers.
• Support other engineers in resolving complex technical issues as a go-to person.

Skills/Experience

• 12+ years of experience in design and development of ecommerce scale systems and highly scalable SaaS or enterprise products.
• Extensive experience in developing extensible and scalable web applications with
  • Java, Spring Boot, Go
  • Web Services - REST, OAuth, OData
  • Database/Caching - MySQL, Cassandra, MongoDB, Memcached/Redis
  • Queue/Broker services - RabbitMQ/Kafka
  • Microservices architecture via Docker on AWS or Azure.
• Experience with web front end technologies - HTML5, CSS3, JavaScript libraries and frameworks such as jQuery, AngularJS, React, Vue.js, Bootstrap etc.
• Extensive experience with cloud based architectures and how to optimize design for cost.
• Expert level understanding of secure application design practices and a working understanding of cloud infrastructure security.
• Experience with CI/CD processes and design for testability.
• Experience working with big data technologies such as Spark/Storm/Hadoop/Data Lake Architectures is a big plus.
• Action and result-oriented problem-solver who works well both independently and as part of a team; able to foster and develop others' ideas as well as his/her own.
• Ability to organize, prioritize and schedule a high workload and multiple parallel projects efficiently.
• Excellent verbal and written communication with stakeholders in a matrixed environment.
• Long term experience with at least one product from inception to completion and evolution of the product over multiple years.

Qualification

B.Tech/MCA (IT/Computer Science) from a premier institution (IIT/NIT/BITS) and/or a US Master's degree in Computer Science.

Years of Exp – 14+

- Working on Architecture and Standards team to validate designs and standards.

- Perform coding, bug verification, unit testing, and integration testing.

The opportunity

The Engineering Manager (EM)is responsible for a managing a team of full stack engineers that is building highly innovative and cutting edge solutions. This role is accountable for leading a team, developing code, deploying and managing in production. Most importantly, the EM, while working with the Product owners drives the product Net promoter score (NPS), user satisfaction, building the product roadmap and delivering highly functional, exceptionally innovative and intelligent software. You will be called upon to be the technical representative for your team during cross-team collaborative efforts and planning. Success in this role will require strong and innovative approaches to problem solving, great technical leadership, excellent communication (written and verbal, formal and informal), flexibility, accountability and a self-motivated working style with attention to detail.

You are great at

As an Engineering Manager, you’ll take the lead as you - drive product development, operations and technical decision making. You’ll have a strong focus on team management and development, equal focus will be on writing production code and hands on active development of the capabilities and solutions. Assist in defining infrastructure need and use enterprise solution and drive resolution of technology roadblocks including code, infrastructure, build and deployment. Manage overall software development cycle by adhering to development and security standards. Establish good stakeholder communication and work closely with Product teams and influence set product roadmap and help drive requirements while being a strong advocate of extreme agile and DevOps practices across engineers. Build and manage a team of high performing full stack engineers and provide leadership, coaching, motivation and recommend staffing levels, operating procedures, tools and systems for the team. Provide career development and performance management to a team of engineers.

Required Candidate Profile

• 4 year degree in or equivalent experience
• 8+ years of engineering (software development) experience
• 1-3 years of managing teams with a strong track record of delivery for cross-functional product experience with Cloud hosting and managing products
• Proficient in building high performing APIs and writing specs
• Expertise in programming languages. Hands on experience in Java, J2ee technologies is preferred.
• Experience in SAP Hybris Commerce would be a plus
• Experience with integration, data handling technologies and other open source frameworks
• Strong written and verbal communication skills with the ability to present complex technical information in a clear and concise manner to variety of audiences
• Team-orientated, passionate about developing others’ skills and capabilities
• Successful track record of working in large scale technology solutions
• Deep understanding of agile development processes and methodology including continuous integration and delivery, with a mindset of building incrementally and delivering business value quickly

• IIT/NIT Graduates Preferred
• B.E/B.Tech with 1-2 years of experience in Ruby on Rails
• Hands on experience with using libraries such as RSpec, Beanstalkd, Faye and   background processing.
• Good knowledge of at least one of the Javascript frameworks like EmberJS, AngularJS
• Have a background in functional composition of web pages using HTML / CSS, and  turning a wireframe design into a well-formatted, user-friendly responsive web page
• Follow best practices like test-driven development, continuous integration, Agile    methodology, refactoring and code standards
• Proficient understanding of code versioning tools e.g. Git, Mercurial or SVN
• Good knowledge of schema less databases such as Elastic search, redis as well as  Relational Databases such as PostgreSQL
• Excellent problem solving skills and bringing in new, innovative ideas to the table to  make the platform more productive
• Hands-on experience on deployment and maintenance of server (knowledge about AWS  and performance monitoring tools like NewRelic / CloudWatch will be a great plus)
• Should be committed to the job and the growth opportunity in a startup
• Should enjoy working as part of a team
• Should be  proactive, self-driven, and able to thrive in a fast-moving startup environment 
• Should communicate fluently and effectively in English, internally and with external partners