Engineering Manager – Backend

Experience: 5–8 years

Reports to:

Head of Engineering

About the role

You will own backend services for our digital lending platform, which runs both our own NBFC and an LSP that routes loans across multiple lending partners. You will lead one or more backend pods across Onboarding & KYC, Decision Engine, Disbursal & Collection(LMS, Collections CRM) and Payments. You stay hands-on (roughly 40–50% coding and design reviews) while building and growing the team.

What you will do

- Own architecture, delivery and uptime for your pods' services, from design doc toproduction.
- Design systems that serve both LSP and NBFC roles cleanly: multi-lender routing andlender-specific configs.
- Build for money-safety: idempotent APIs, double-entry style ledgers, exactly-oncedisbursal and debit processing, daily reconciliation.
- Integrate and manage third parties: bureaus (CIBIL, Experian, CRIF, Equifax),CKYC/KRA, Aadhaar/PAN/Video KYC vendors, Account Aggregators, NPCI/sponsorbanks, payment gateways and payout partners.
- Bake compliance into the product with Product, Risk and Compliance: RBI DigitalLending rules (KFS, APR disclosure, cooling-off, direct-to-borrower disbursal andrepayment, grievance redressal), KYC Master Directions, fair-practice collections,and DPDP Act consent and data localisation.
- Set engineering standards: code reviews, testing strategy, observability, on-call,incident post-mortems,



security reviews and audit readiness (RBI IT framework, ISO27001/SOC 2 where applicable).
- Hire, mentor and retain engineers; run 1:1s, goal-setting and performance reviews;grow SSEs into tech leads.

What you bring

- 5–8 years of backend engineering, including 1.5+ years leading a team or owning acritical service end to end.
- Strong in at least one of Java/Kotlin (Spring Boot), Go, or Node.js/TypeScript;comfortable reviewing the others.
- Microservices and event-driven design: REST/gRPC, Kafka/RabbitMQ/SQS, sagas,retries, dead-letter handling, distributed locks.
- Databases: PostgreSQL/MySQL at depth (transactions, isolation, indexing,partitioning), Redis, plus a document store; data modelling for financial records.
- Cloud (AWS/GCP/Azure): containers, Kubernetes/ECS, CI/CD, infra-as-code basics,secrets management, encryption at rest and in transit.
- Production experience in fintech, lending, payments, banking or insurance in India.
- Transparent written communication: design docs, RFCs, incident reports.

Nice to have

- Built or scaled an LMS, loan origination system, BRE, or collections platform.
- Hands-on with eNACH, UPI AutoPay, NACH/ECS, IMPS/NEFT/RTGS payouts, or PGintegrations.
- Rules engines (Drools or in-house), workflow engines (Temporal, Camunda) or MLmodel serving.
- Experience going through an RBI inspection, statutory audit, or partner-bank techdue diligence.

📌 Engineering Manager (Backend) (Raipur)
🏢 CreditSea
📍 Raipur