Software Engineer - III

FlexiLoans; Mumbai; On-site; INR 1,800,000 - 2,800,000; Full time

Job summary

FlexiLoans is a technology-based digital lending platform in India seeking engineers who will own end-to-end features, from API to frontend, with an AI-first workflow.

You will work across the stack, build relational data models, integrate with vendors, and ensure tests and CI/CD pipelines are solid. We value ownership, transparency, and cost-aware design.

Qualifications

• 4–7 years of experience in service design across multiple systems.
• BS/BE/BTech in Computer Science or Engineering.
• Experience building and shipping end-to-end software.

Responsibilities

• Design, build and ship end-to-end API and UI changes.
• Own outcomes and monitor production health.
• Collaborate with vendors and partners.
• Build security by default in a regulated lending context.

Skills

React

TypeScript

CI/CD

DevOps

AWS

Testing

Git

Frontend

Education

BS/BE/BTech in CS/Engineering

Tools

Docker

Kubernetes

Job description

FlexiLoans is a technology based Digital financing platform started with an endeavor to solve the problems that small businesses face in accessing Quick, Flexible and Adequate funds for growing their Businesses. Our vision is to give "Financial access at a click". Our talent pool has rockstars from diverse backgrounds - ex- Founders, investment bankers, e-commerce and payments with the passion to make a difference to the lives of 70 mn+ MSME businesses in India.

FlexiLoans.com is a pioneer in the ecosystem-based digital lending for small businesses in India. Till date, we have disbursed over 100,000+ loans worth over Rs. 5,000 Crs+ to small sized businesses across 3,200+ cities without having a single branch! We are the leaders in using technology and risk models that focus on alternate / surrogate methods for scoring customers. Our origination is 100% digital with over 100 embedded partnerships like Amazon, Flipkart, Nykaa, Paytm, Paisabazaar, META, etc. for providing credit access to MSME businesses.

Founded by CA/ISB alumni, FlexiLoans is funded by marquee funds and HNIs in the form of MAJ invest, Fasanara Capital, Sanjay Nayar (Founder - Sorin Investments, Chairman - KKR India and Ex-CEO, Citibank South Asia), Dr. Harry Banga (Founder, Caravel group), Yogesh Mahansaria (Founder, Alliance Tyres) Gunit Chaddha (Ex-CEO, Deutsche Bank, Asia Pacific), Anil Jaggia (Ex-CIO, HDFC Bank), Vikram Sud (Ex-COO, Kotak Mahindra Bank), Narayan Seshadri (Ex-Managing Partner, KPMG), Gopal Srinivasan (Chairman, TVS Capital) and Siddharth Parekh (Co-Founder, Paragon Partners) to name a few.

Our product offerings and value proposition can be accessed on our website: https://www.flexiloans.com/

A six-times certified ‘Great Place to work’ workplace, at FlexiLoans you will be working with top tier talent from diverse backgrounds hungry to make a dent in the MSME universe. We believe in people owning what you do and providing support to folks for making decisions (sometimes even wrong decisions!) all the while learning and growing with the organization. FlexiLoans is your front row seat to the MSME Fintech revolution in India!

The role in a gist:

As FlexiLoans enters the next orbit of growth, we are looking for people with the passion and hunger to make a dent in the MSME ecosystem. In this role you will be AI-first in how you build. AI coding agents are a normal part of our workflow: writing, reviewing, testing and refactoring code, and understanding unfamiliar parts of a large system. What matters is not tool familiarity by itself, but that what you ship is reviewed, tested and production-ready, at the pace this way of working makes possible. You will also work across the stack. Backend and frontend are both part of the role, and we would like you to be comfortable on either side of the API boundary.

What you will work on:

• Relational data modelling and SQL you can reason about indexes, query plans, transactions, migrations on live tables.
• Vendor and third-party integrations, done well: authentication, retries, idempotency, webhooks, rate limits, sandbox-to-production rollout, and reconciliation when the other side fails mid-flow. Comfort working directly with a vendor's technical team to get an integration over the line.
• Queues, background jobs and scheduled work, including what happens when a job runs twice.

Frontend

• React with TypeScript. Component design, state management, forms that hold up under real user behaviour.
• Enough CSS and layout sense to build a clean screen without a pixel-perfect design handed to you.
• Tests you actually write. Shipping agent-assisted code at volume only works if the test coverage holds it up.
• Git discipline, CI/CD, and enough DevOps grounding to be self-sufficient: containers, environment configuration, pipelines, deployments and rollbacks. You do not need to be an SRE, but you should not need one for routine work.
• AWS fundamentals: how your service runs, scales and fails.

Monitoring and cost awareness

• Instrumenting what you build logs, metrics, alerts so problems surface on a dashboard rather than in a customer complaint.
• Reading monitoring output and acting on it: triaging an alert, finding the root cause, and closing the loop with a fix or a tuned threshold rather than muting it.
• An eye on infrastructure cost. Knowing roughly what your service costs to run, spotting the query, log stream or API call pattern that is quietly expensive, and factoring that into design decisions.

How you operate

• You are comfortable with ambiguity and will go and resolve it often by asking the ops or product team directly.
• You share status without being prompted, including when the news is not good.
• You care whether the change worked for the business, not only whether the story was closed.

What you will own

You own outcomes, not tickets. Concretely, for the problems assigned to you:

• Understand the problem first-hand. Spend time with the product owner or the ops team that has the problem, and see how the work happens today rather than working from a requirements document alone.
• Design, build and ship end to end. API and data model through to the screen the user touches. Backend and frontend are both yours.
• Take it to production and keep it healthy. Deploy it, monitor it, and act on what the monitoring tells you. Errors, latency, failed jobs and data quality are yours to watch and ideally you spot the issue before someone reports it.
• Be mindful of what it costs to run. Every service you deploy carries an infrastructure bill. Think about instance sizing, storage, query patterns, log volume and the cost of third-party API calls before you ship, and raise it early when something is likely to get expensive.
• Integrate cleanly with vendors and partners. A large part of our platform is third-party: bureaus, banks, KYC providers, payment rails, co-lenders. Working well with vendor teams, reading their documentation carefully and handling their failure modes gracefully is core to the job, not a distraction from it.
• Be accountable for what you commit to. Give estimates you believe in, flag slippage early, and keep the status visible.
• Leave it documented. A runbook, an API contract, and a short note on any non-obvious decision, so the next engineer or the next agent can pick it up without you.
• Build securely by default. We are a regulated lender. Customer and credit data handling, access control, audit trails and PII discipline are part of the definition of done, not a later hardening pass

Qualification and Experience:

• 4–7 yrs service or a customer journey, designs across services; sets patterns others follow and embeds with a business function; shapes what gets built
• BS/BE/BTech degree in Computer Science or Engineering.