Senior Software Engineer (Backend)

CreditSea; Raipur; On-site; INR 900,000 - 1,300,000; Full time

Job summary

CreditSea is seeking a Senior Software Engineer – Backend in Raipur to design and run backend services for a digital lending platform. You will own features end to end—from API design to production monitoring—and handle money and regulated customer data daily.

You will build scalable microservices and integrate KYC partners, banks, and payment gateways with robust retry logic and observability. Strong Java/Kotlin or Go/Node.js experience is essential.

Qualifications

• 2–5 years of backend development on production systems.
• Strong in Java/Kotlin (Spring Boot), Go or Node.js/TypeScript.
• Solid grasp of REST API design, SQL, transactions, indexing and caching (Redis).
• Experience with message queues (Kafka, RabbitMQ, SQS) and asynchronous processing.
• Working knowledge of Docker, CI/CD and a public cloud (AWS/GCP/Azure).

Responsibilities

• Build scalable, secure microservices and APIs for core lending workflows.
• Integrate third-party partners: KYC vendors, bureaus, banks and payment gateways with retries and timeouts.
• Write correct financial logic: idempotency keys, transactional integrity, audit trails and reconciliation jobs.
• Model data in PostgreSQL/MySQL and design events on Kafka or similar queues.
• Protect customer data: encryption of PII, masking in logs, RBAC and DPDP Act compliance.
• Write unit and integration tests, add metrics and alerts, participate in code reviews.
• Join on-call rotation, debug production issues and write post-mortems.
• Work with Product/Risk/Credit/Ops/Compliance to turn RBI requirements into working software.

Skills

Java/Kotlin

Go

Node.js/TypeScript

REST APIs

SQL & Transactions

Redis caching

Message queues

Docker & CI/CD

Cloud platforms

Concurrency & design

Tools

Kafka

RabbitMQ

SQS

PostgreSQL/MySQL

Job description

Senior Software Engineer – Backend

Experience: 2–5 years ·

(Onboarding & KYC, Decision Engine, Disbursal & Collection, Payments) ·

Reports to:

Engineering Manager – Backend

About the role

You will design, build and run backend services for one pod of our digital lending platform,which powers both our NBFC and our LSP that works with multiple lending partners. Youown features end to end, from API design to production monitoring, and handle realmoney and regulated customer data every day.

What you will do

• Build scalable, secure microservices and APIs for core lending workflows.
• Integrate third-party partners reliably: KYC vendors, bureaus, Account Aggregators,banks, NPCI rails, payment gateways and lending partners' APIs, with retries,timeouts, circuit breakers and webhook handling.
• Write correct financial logic: idempotency keys, transactional integrity, precisedecimal handling, audit trails and reconciliation jobs.
• Model data carefully in PostgreSQL/MySQL and design events on Kafka or similarqueues.
• Protect customer data: encryption of PII, masking in logs, role-based access, consent-led data use under the DPDP Act, and data stored in India.
• Write unit and integration tests, participate in code reviews, and add metrics, logs andalerts for what you ship.
• Join the on-call rotation, debug production issues and write clear post-mortems.
• Work with Product, Risk, Credit, Ops and Compliance to turn RBI and lenderrequirements into working software.

What you bring

• 2–5 years of backend development on production systems.
• Strong in Java/Kotlin (Spring Boot), Go or Node.js/TypeScript.
• Solid grasp of REST API design, SQL, transactions, indexing and caching (Redis).
• Experience with message queues (Kafka, RabbitMQ, SQS) and asynchronousprocessing.
• Working knowledge of Docker, CI/CD and a public cloud (AWS/GCP/Azure).
• Good understanding of data structures, concurrency and system designfundamentals.
• Ownership mindset and clear communication in design discussions.

Nice to have

• Prior work in lending, payments, banking, wallets or insurance.
• Exposure to workflow engines (Temporal, Camunda), rules engines or feature stores.
• Familiarity with RBI Digital Lending, KYC or payment-system guidelines.
• Security basics: OWASP Top 10, secrets management, VAPT fixes.