Engineering Collaboration :

- Work closely with Engineering Managers and Architects to design microservices and event-driven flows for BNPL use cases such as application, approval, disbursement, and repayment.

- Drive build-vs-buy decisions for components like fraud/risk tools, bureau integrations, and payment orchestration, while managing technical debt and scalability.

API & Integration Strategy :

Lead technical integrations with merchants, payment gateways, lending partners, KYC providers, credit bureaus, and collections partners.

Define integration standards for idempotency, error handling, retries, webhooks/callbacks, and monitoring to ensure high success rates at checkout and during repayments.

BNPL B2C Platform Focus :

- Ensure platform performance and reliability for peak events (sales, campaigns) and multi-merchant traffic, focusing on latency, throughput, and resilience.

- Enable experiments such as A/B testing of BNPL offers, eligibility rules, and UI flows by abstracting capabilities into configurable platform components.

Data-Driven Decisions :

- Use SQL and log analysis to understand funnel drop-offs (e.g. , from checkout to approval), success rates of disbursements and repayments, and default patterns.

- Define and track key BNPL KPIs : approval rate, NPA/default rate, on-time repayment, repeat usage, and merchant-level performance.

Program Delivery & Governance :

- Manage cross-functional initiatives involving Product, Engineering, Risk, Compliance, Operations, Collections, and external partners from discovery to rollout.

- Run steering reviews, risk/issue logs, and post-mortems for incidents impacting BNPL availability, success rates, or compliance.

Must Haves :

- Minimum 4+ years of total industry experience in software/technology roles.

- Demonstrated experience in shipping or operating comple backend or payments/fintech systems.

- Prior experience as a Software Developer/Engineer (Backend or Full Stack) with production systems, preferably in payments, lending, or transactional platforms.

- Ability to comfortably discuss service design, data models, failure modes, and trade-offs with engineering teams.

- Strong understanding of RESTful APIs, microservices, and event-driven architectures, commonly used in BNPL platforms.

- Solid knowledge of SQL and NoSQL databases, data modeling for transactional and ledger-like systems, and performance considerations.

- Hands-on familiarity with cloud infrastructure (AWS or equivalent), including services for compute, storage, queues/streams, and observability.

- Ability to break down end-to-end BNPL flows (from Pay with BNPL click to final repayment) into steps, state transitions, and edge cases.

- Strong debugging skills using logs, metrics, and data to identify root causes in multi-system integrations.

Preferred Qualifications :

- Experience in BNPL, consumer lending, credit cards, or payments in a B2C context.

- Familiarity with Loan Management Systems (LMS), LOS, bureau integrations, risk scorecards, and fraud tools is a strong advantage.

Education :

- B. Tech

- Experience in a high-growth startup or similar environment with ambiguity, aggressive timelines, and frequent iterations.

- Bias towards ownership, speed, and pragmatic decision-making