Role : Principal Engineer

Experience : 15-20 Years

Location : Bangalore/Mumbai

About the Role :

A leading NBFC in India is building an AI-native lending platform to transform education loan services at national scale. The technology team manages payment solutions supporting a large loan ecosystem across India, continuously evolving with innovative features and new products to enhance customer experience.

The company is moving toward an AI-first strategy, deeply integrating foundational models to deliver personalized recommendations, timely insights, and improved risk management. The vision is to reduce credit and fraud losses, enable tailored collections strategies, and achieve operational excellence.

Key AI initiatives include :

- Credit Risk Assessment using ML for dynamic scoring and fraud detection.

- Predictive Analytics to forecast repayment behavior and optimize loan approvals.

- NLP for automated document verification and customer support.

- AI-powered Chatbots to improve borrower engagement.

- GenAI-based Dispute Resolution for faster turnaround and efficiency.

Roles and Responsibilities :

- Architect and scale an AI-native lending platform disbursing billions annually.

- Drive modernization through multi-tenant architecture and onboarding simplification.

- Achieve automation of 99.5%+, SLA reliability of 99.99%, and near-perfect payment accuracy.

- Innovate with GenAI-driven tools across the loan lifecycle-from customer-facing bots to financial reconciliation.

- Own technical vision for highly scaled backend services, full-stack applications, and agentic tools.

- Partner with CXO-level stakeholders to deliver cross-functional initiatives.

- Mentor and guide 120+ engineers, raising the bar for operational excellence.

- Ensure scalability during peak events and manage tech debt strategically.

Leadership Scope :

- Technical Vision : Own architectural decisions for distributed systems and full-stack applications.

- Cross-Org Influence : Collaborate with CXO-level leaders.

- Mentorship : Act as senior-most engineer for 100+ SDEs, shaping careers and raising standards.

- Operational Excellence : Maintain world-class reliability and scalability during peak events.

Required Skills :

- Backend : Distributed systems, microservices, event-driven architecture, data streaming.

- Cloud : AWS services, security, compliance.

- Data : Modeling, NoSQL/NewSQL, ML integration.

- Full-stack development for customer experience.

- Finance Domain : Payments, invoicing, tax compliance.

- Preferred Edge : ML experience, cybersecurity, E2E testing, financial systems familiarity.

Qualifications :

- Bachelor's or Master's in Computer Science or related field.

- Strong architectural and leadership experience in large-scale systems.

Experience :

- 15-20 years in software engineering, with at least 5 years in technical leadership.

- Proven expertise in designing distributed systems and leading cross-functional projects.

- Exposure to ML/AI-driven solutions and finance domain is a plus.