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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 

Company: Kredit Venture

About the company:

KreditVenture is seeking a Technical Product Manager to lead the development, strategy, and

execution of our SaaS applications built on top of Loan Origination Systems and Lending Platforms.

This role requires a strong technical background, a product ownership mindset, and the ability to

drive execution through both in-house teams and outsourced vendors. The ideal candidate will play

a key role in aligning business goals with technical implementation, ensuring a scalable, secure,

and user-centric platform.

Job Description

Job Title: Senior Manager / AVP / DVP – Technical Product Manager

Location: Mumbai (Ghatkopar West)

Compensation: Upto 25 LPA

Experience: 7-8 years (Designation will be based on experience)

Qualification: 

- Bachelor’s degree in Computer Science, Engineering, or a related field.

- An MBA is a plus.

 Roles and Responsibilities

Technology Leadership:

• Lead SaaS Platform Development – Strong expertise in full-stack development (Java, Python, MERN stack) and cloud-based architectures.
• API & Workflow Design – Drive microservices-based REST API development and implement business process automation.
• Third-Party Integrations – Enable seamless API integrations with external service providers.
• Code Quality & Best Practices – Ensure code quality, security, and performance optimization through structured audits.

Vendor & Delivery Management:

• Outsourced Vendor Oversight – Manage and collaborate with external development partners, ensuring high-quality and timely delivery.
• Delivery Governance – Define SLAs, monitor vendor performance, and proactively escalate risks.
• Quality Assurance – Ensure vendor deliverables align with product standards and integrate smoothly with internal development.

Collaboration & Stakeholder Engagement:

• Customer Insights & Feedback – Conduct user research and feedback sessions to enhance platform capabilities.
• Product Demos & GTM Support – Showcase platform features to potential clients and support sales & business development initiatives.

Platform Development & Compliance:

• Component Libraries & Workflow Automation – Develop reusable UI components and enable no-code/low-code business workflows.
• Security & Compliance – Ensure adherence to data protection, authentication, and regulatory standards (e.g., GDPR, PCI-DSS).
• Performance Monitoring & Analytics – Define KPIs and drive continuous performance optimization.

Roles & Responsibilities :

·        To lead team from front to all the software developers including Interns at b+m India office

·        To upgrade and guide to the entire software developers team with technical solutions and updated technologies from time to time .

·        Participate in the complete lifecycle of projects from inception to deployment to value delivery.

·        Developing best practices to ensure that all projects are delivered on-time, within scope of work.

·        Create a project Management calendar for fulfilling each goal and objective. Developing and monitoring project plans, project schedules, working hours and ensuring project deadlines are met.

·        Escalate all obstacles that cannot be dealt with promptly that could result in project delays.

·        Communicate project status and key issues to stakeholders on a regular basis.

·        Coordinate internal resources and third parties/vendors for the flawless execution of multiple projects (if needed).

·        Assist in the definition of project scope and objectives, involving all relevant internal stakeholders and ensuring technical feasibility.

·        Delegate project tasks based on requirement to the team members' ,  individual strengths, skill sets, and as per their experience levels.

·        Attend seminars and training as required improve & maintain proficiency (if needed).

·        Perform other software development related duties like,

     Software development in C# with MS Visual Studio, Developing and designing GUIs in WPF.

     Source code development for libraries (.dll), e.g. for data exchange

     Creating standard interfaces via web service and OPC UA

    Connecting MS SQL database systems for secure data transfer.

Creating VR and AR applications in Unity

Architectural:

Design and implement a software architecture

Select a technology stack

Design and configure infrastructure

Select a development toolkit (IDE, etc.)

Design and implement a database design

Improve and optimise the application architecture

Ensure scalability of the application

Ensure scalability of the infrastructure

Explore new technologies and decide whether to implement them

Strategy, planning, and design:

• Take end-to-end ownership of the product, identify technology requirements, define the future product vision, create preliminary design concepts for add-on modules and shape overall technology and product roadmap by collaborating with the founders, business development, and marketing team.
• Ensure user oriented design is the primary approach to product development across multiple screens, based on user behaviour data and direct customer feedback.

Implementation and deployment:

• Manage Product Release, QA cycles, feature implementation and on time delivery through in-house team and vendors.
• Collaborate with team and customers to define use cases.
• Creation of wireframes/prototypes, site maps and user-flows for web and mobile platforms.

Operational management :

• Support marketing by implementing technical requirements for SEO/product analytics.
• Establish and supervise a quality assurance process, including integration & system testing.
• Rigorously monitor key performance metrics and coordinate with various teams to take corrective actions if needed.
• Establish and forecast ROI of features and succinctly articulate competitive advantage.
• Set-up data collection and analysis system in collaboration with CEO to track key performance.

metrics.

Strong fundamentals in computer science/engineering and algorithm design.

Practical knowledge of computer software algorithms in machine/deep learning, NLP, Computer Vision etc.

Personal Requirements:

• Min of 7+ years of Hands on experience in Web app development, payment gateways implementation, architecture design, product management, databases and UI/UX in consumer facing applications.
• Experience on projects involving engineering and algorithmic functions, machine learning, deep learning and artificial intelligence is very advantageous.
• Creative self-starter who is comfortable with both taking initiative and working in teams.
• Strong communication skills.
• Willingness to learn and utilise emerging technologies.
• Sincere passion to use disruptive technologies that can be globally significant

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