This is a founding role. There is no salary at this stage. Compensation is equity only.

This role is for someone who wants to build a regulated fintech company from the ground up and is comfortable taking early-stage risk in exchange for long-term ownership. If short-term income stability is the priority, this is not the right fit.

About SambalPay

SambalPay is building a borrower-first intelligent credit platform that helps consumers understand their financial profile, discover the right credit options and make better borrowing decisions.

Our platform learns from every interaction, continuously improving how it understands, matches and guides borrowers throughout their credit journey.

What This Role Means

This is a technical co-founder role. You will design and build the entire technical foundation of SambalPay.

Responsibilities include

- Making architecture decisions that hold at scale (1 lakh+ users)
- Embedding compliance into system design
- Designing risk logic that protects capital
- Balancing execution speed with long-term stability

You will not be managing engineers in abstraction. You will be building the system end to end. Core Systems to Build1. Full Lending Lifecycle
- Mobile-first onboarding
- KYC orchestration
- Bureau integration
- Alternative data integration (if required)
- Rule-based underwriting engine (v1)
- Limit assignment logic
- Disbursal trigger system
- EMI schedule generation
- Repayment tracking
- Delinquency monitoring
- Collections workflow logic
- Internal admin and ops dashboard

The system must be modular, auditable, and NBFC-compliant.
- Payments & Transaction Infrastructure

- UPI-based disbursal flows
- UPI and mandate-based repayments
- IMPS fallback logic
- Webhook listeners
- Idempotent transaction handling
- Retry and reconciliation mechanisms
- Internal ledger layer




- Automated settlement reporting

Every transaction must be traceable. Silent failures are unacceptable.
- NBFC Integration & Capital Routing

SambalPay operates as an LSP with NBFC partners.
- NBFC API integrations
- Capital routing logic
- Loan book reporting
- Settlement and reconciliation systems
- Partner-level data isolation
- Architecture ready for multi-NBFC routing

The system must allow expansion without core rewrites.
- Risk & Underwriting Infrastructure

- Rule-based risk engine (v1)
- Extensible decisioning framework (ML-ready later)
- Fraud detection baseline
- Early delinquency signal tracking
- Explainable and auditable risk logic

The objective is structural default control.
- Security & Compliance

- Encryption at rest and in transit
- Role-based access control
- Immutable audit logs
- API security controls
- Secure cloud configuration
- Backup and disaster recovery systems
- Defined RTO and RPO
- Data protection aligned with Indian regulatory expectations

Execution RoadmapPhase 1: Zero to MVP (0–3 Months)
- Finalize architecture
- Set up AWS or GCP
- Build core lending engine
- Develop admin panel
- Integrate payment sandbox
- Integrate NBFC sandbox APIs
- Set up logging and monitoring

Outcome: Controlled internal MVP simulating full loan lifecycle. Phase 2: MVP to Live (3–6 Months)
- Production-grade infrastructure
- Live UPI disbursals
- Bureau integration
- Risk engine v1 deployment
- EMI automation
- Reconciliation system




- Fraud baseline deployment

Outcome: Real users, real disbursals, tightly monitored exposure. Phase 3: Live to Scale (6–18 Months)
- Queue-based asynchronous processing
- Horizontal scaling
- Database optimization
- Distributed caching
- Load and stress testing
- Analytics and data warehouse layer
- Infrastructure cost control per borrower
- Multi-NBFC routing

Target: 100K+ active borrowers without architectural failure. Long-Term Architecture Expectations

As scale increases, the system must support:

- Stateless services
- Event-driven processing
- Distributed caching
- Database partitioning
- Multi-zone deployment
- High availability
- Partner-level data segmentation

Scaling should not require rebuilding the product. FLDG & DLG Compliance The system must support compliant First Loss Default Guarantee (FLDG) and Default Loss Guarantee (DLG) structures:
- Strict exposure caps as per RBI norms
- No implicit or open-ended guarantees
- Portfolio-level tracking
- Real-time exposure monitoring
- Automated cap enforcement
- Clear audit logs
- Segregation of guaranteed portfolios
- Transparent reporting

Compliance must be built into system logic, not handled manually.

Experience Required

- 5–10 years in fintech, lending, or payments
- Robust backend expertise (Python / Node.js / Go)
- Frontend exposure (React / Next.js)
- AWS or GCP architecture experience
- Experience integrating financial institutions
- Handling sensitive financial data
- Clear understanding of lending lifecycle and repayment mechanics

Strong Advantage

- Early-stage or founding engineer experience
- Built underwriting/decision systems
- Taken fintech from MVP to live users
- Exposure to collections systems
- Understanding lending unit economics

📌 Chief Technology Officer (Gurugram)
🏢 SambalPay
📍 Gurugram