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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 

Job Title: Java Engineering Manager/Lead

Experience range:- 10 + Years

Location:- Pune / Mumbai

Knowledge and Skills:

• Strong proficiency in Core Java, Spring Boot.
• Experience with RESTful APIs, microservices, and multithreading.
• Solid understanding of RDBMS (MySQL/PostgreSQL).
• Exposure to cloud platforms (AWS, GCP, or Azure) and containerization (Docker, Kubernetes).
• Familiarity with CI/CD tools like Jenkins, GitLab, or GitHub Actions.
• Background in Fintech, particularly Digital Lending, Supply Chain Finance, or Banking products.
• Experience working in agile/scrum environments.
• At least 3 years of experience leading/managing a team of Java developers.

Key Responsibilities:

• Lead and mentor a team of Java developers, ensuring technical excellence and timely delivery.
• Actively participate in coding, code reviews, architecture decisions, and system design.
• Collaborate with cross-functional teams including Product Managers, QA, and DevOps.
• Maintain a strong hands-on presence in backend Java development and microservices architecture.
• Own the end-to-end lifecycle of features from requirement to deployment and post-release support

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

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

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

• 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