Director of Engineering / Engineering Manager.

Company : FatakPay (FatakPay Digital Private Limited) Location : Mumbai (on-site / hybrid) Experience : 10+ years in software engineering, with 4+ years leading teams Reports to : Ajit Kumar, Co-founder & COO Compensation : Competitive, commensurate with experience + meaningful ESOPs.

About FatakPay :

FatakPay is a Mumbai-based digital lending and financial-wellness fintech, founded in 2021, on a mission to bring formal credit to India's large underbanked and underserved population.

Through a B2B2C model, FatakPay partners with employers to offer their employees instant credit and financial-wellness products - and is expanding into credit building for tier 2 and tier 3 India.

Our product suite spans instant personal loans, a virtual credit line ("scan now, pay later"), insurance (FatakSecure), digital gold and silver, and FatakUdaan for credit building.

We operate alongside NBFC and co-lending partners, which puts the regulatory architecture of digital lending - and the technology that powers it - at the center of everything we build.

We are a founder-led, fast-moving team that has been recognised as Best Consumer Loan Finance Startup at the NBFC & FinTech Excellence Awards, and we are now scaling our engineering org to match our ambition.

About the Role :

We are looking for a hands-on engineering leader to own FatakPay's lending platform end to end.

This is a high-ownership role for someone who has built or scaled lending technology in India and understands the business as deeply as the code - the difference between an LOS and an LMS, the regulatory line between an LSP and an NBFC in a co-lending setup, and what it takes to disburse and service loans at scale, compliantly.

You will lead the engineering team, set technical direction, and work shoulder-to-shoulder with the founders to turn product and credit strategy into reliable, scalable systems.

You will report directly to Ajit Kumar, Co-founder & COO, and have a seat at the table on the most important technology decisions in the company.

What You'll Own :

- Lead, grow, and mentor the engineering team across backend, frontend, and platform - hiring, performance, and career growth.

- Own the architecture and delivery of the full lending stack : loan origination (LOS), loan management and servicing (LMS), collections, and the partner integrations that connect them.

- Build and scale the technology behind FatakPay's co-lending and NBFC partnerships, including the data and reconciliation flows between FatakPay and partner lenders.

- Translate business and credit-policy requirements into robust technical systems, partnering closely with Product, Credit/Risk, Co-lending, Operations, and Compliance.

- Drive the technical roadmap, prioritization, and trade-offs between speed, scale, cost, and risk - and communicate them clearly to founders and stakeholders.

- Establish engineering standards : code quality, security, system reliability, observability, on-call, and incident response for systems that move money.

- Ensure the platform is built and run in line with RBI's Digital Lending Guidelines and applicable NBFC / partner regulatory requirements.

- Be hands-on where it matters - design reviews, critical-path code, and unblocking the team - while scaling yourself through the org.

Must-Have Domain Expertise :

This role is specifically for someone who has built lending technology in India. You should have deep, working knowledge of :

1. LOS (Loan Origination System) : application capture, KYC/CKYC, bureau integrations (CIBIL/Experian/CRIF/Equifax), bank statement and Account Aggregator (AA) flows, business rules engine (BRE) and credit decisioning, e-sign, e-NACH/e-mandate, and disbursal.

2. LMS (Loan Management System) : loan booking and ledger, EMI scheduling, repayments, foreclosure and restructuring, DPD tracking, NPA classification, collections workflows, and accounting / GL reconciliation.

3. LSP vs NBFC : clear understanding of the regulated-entity (Bank/NBFC) vs Lending Service Provider (LSP) construct under RBI's Digital Lending Guidelines - including co-lending, DLG/FLDG arrangements, KFS (Key Fact Statement), data-localization and borrower-data handling, and the division of responsibilities between FatakPay and the regulated lending partner.

4. NBFC operations & compliance : familiarity with regulatory reporting, audit readiness, and how product/engineering decisions map to compliance obligations.

Must-Have Engineering Background :

- 10+ years building production software, with 4+ years managing and growing engineering teams.

- Strong system design and architecture skills for high-availability, transactional, money-movement systems.

- Proficiency in a modern backend stack (e.g., Java/Kotlin, Go, Python, or Node.js) and cloud infrastructure (AWS/GCP/Azure).

- Solid grasp of data modeling, SQL/NoSQL, event-driven architectures, and API design for partner and third-party integrations (payment gateways, UPI, NACH, bureaus, KYC providers, co-lending partners).

- Track record of shipping reliably and balancing engineering rigor with startup speed.

Nice to Have :

- Experience at an NBFC, bank, or a lending/fintech startup that operated as or alongside an LSP in a co-lending model.

- Experience standing up a lending platform or core module (LOS or LMS) from scratch.

- Exposure to fraud/risk systems, collections tech, or B2B2C / employee-benefit lending.

- Prior experience in an early or growth-stage startup reporting directly to founders.

What We Offer :

- Direct ownership of FatakPay's core, business-critical platform with founder-level visibility.

- Competitive compensation with meaningful ESOPs - real upside in what you build.

- A senior, high-trust team and the autonomy to shape engineering culture as we scale.

- The chance to build lending technology for financial inclusion that is both fast and fully compliant.

FatakPay is an equal opportunity employer. We welcome applicants of all backgrounds.