Senior Backend Engineer - Business Platform

About the role

Senior Backend Engineers are the technical authority within their Squads. They set the implementation standard, review code, challenge domain model decisions, and work directly with the Lending Platform Architect to ensure that what gets built aligns with the broader technical direction. You are not waiting for architecture to be handed down - you are co -creating it.

Key Responsibilities

Domain System Design & Implementation

• Design and implement backend services for lending system features - stateful, event -driven services that handle loan state transitions, EMI calculations, credit decisions, and collection actions with correctness and auditability

• Own the technical design for features within the squad - review BRDs from the BA, challenge ambiguity, propose system design, and submit ADRs to the Lending Platform Architect for review

• Implement financial calculation logic with precision - interest accrual, EMI rounding, penal charge computation, and prepayment adjustment algorithms that are mathematically exact and consistently applied

• Design and implement audit logging for lending operations - loan state transitions, credit decisions, collection actions, and data access events logged with sufficient detail for RBI examination

• Build and maintain bureau API integrations - CIBIL, Equifax, and CRIF integrations with appropriate retry logic, error handling, and response caching for a cost -sensitive production environment

 AI Integration & Modern Engineering

• Integrate ML model outputs from the Analytics squad - EWS scores, credit model results, and collection propensity scores consumed via clean API contracts with fallback handling and explainability output

• Use Cursor and Claude as primary development tools - AI -assisted coding, test generation, and documentation is the expected way of working, not an optional enhancement

• Implement the Lending Platform Architect's API contract standards - contract -first development, OpenAPI specification, versioning discipline, and backward compatibility

• Build agentic AI workflow integrations as they are designed by the Architect - the Senior Engineer is responsible for the implementation quality of AI -integrated features

Code Quality & Technical Leadership

• Set and maintain code quality standards within the squad - code review, refactoring discipline, test coverage expectations, and the mentoring of Intermediate and Associate engineers

• Own technical debt identification and remediation within your service domain - maintain a visible tech debt backlog and advocate for remediation time in sprint planning

• Contribute to the Backend Guild - share domain knowledge, present ADRs, and participate in cross -squad technical discussions led by the Lending Platform Architect

• Write and maintain technical documentation - system design documents, API documentation, runbooks, and architecture decision records that teams can rely on

Requirements

Professional Experience

• 6 to 8 years in backend engineering with genuine ownership of production systems, not just feature contribution but system design, incident response, and technical mentoring

• Experience in fintech, NBFC, banking, or any regulated financial domain, understands what audit readiness means and has built systems where correctness is non -negotiable

• Has designed APIs that other teams consumed, understands the discipline of API contract stability, versioning, and the real cost of breaking changes

• Active AI tool user uses Cursor and Claude for development work today; the AI -native way of working is standard practice, not aspirational

Mindset & Soft Skills

• Domain ownership  takes responsibility for the correctness of lending calculations and workflows - 'the BA spec said so' is not sufficient when the calculation is wrong

• Precision engineering: financial systems require precision that product applications don't - you have the discipline to care about rounding modes, overflow handling, and audit trails

• AI -native: AI -native developer: Cursor and Claude are open all day - code, tests, and documentation are AI -assisted as standard practice

• Mentor: Technical mentor: comfortable reviewing code, giving direct feedback, and developing junior engineers - seniority means responsibility, not isolation

Technical Skills

Message queues (SQS / Kafka)

Financial calculation precision & RBI compliance context

AI -assisted test generation & ML model API integration

Rule engine integration (Drools) 

Benefits