Senior Software Engineer


NIRA is a consumer finance company offering small ticket loans to working Indians. At NIRA, our mission is to promote financial inclusion by creating simple, transparent products that empower individuals to live a life of choice and freedom.NIRA was 1 of the 10 companies selected for the inaugural Techstars Accelerator in India. NIRA was also 1 of the 10 companies selected for Class III of the Google Launchpad Accelerator India. In 2020, NIRA was 1 of the 8 finalists of the AWS Startup Architecture Challenge. NIRA has raised $3m+ in seed & pre-series A funding.

As one of the primary engineers on the team, you’ll be working on mission critical systems our growing customer base (from ~4mn today). You’ll work on a breadth of systems including real time decision engines, loan origination, collection, dynamic credit, deep integrations with Indian banks, KYC, smart document processing & our internal applications to support critical credit and collections workflows.

You’ll carry significant responsibility and ownership of the technology build out that would power the scale and quality of our next phase of growth.

Roles & responsibilities:

  • End to end execution from design & development to testing of solutions for various customer and business use cases
  • Drive automation across customer lifecycle including but not limited to fraud detection and credit decisions
  • Rapidly iterate on LOS & LMS capabilities
  • Build to ingest new data sources and services in our applications
  • Build capabilities to launch new credit products
  • Prototype and build new solutions to manage rapid scaling while maintaining low latency
  • Uphold & contribute towards instating good engineering practices within the team

Skills & Qualifications:

  • 3+ years experience in software development on large scale production systems
  • 1+ years experience in building cloud based applications
  • Comfortable with multiple layers of infrastructure and application stack – UI, application layer, database, and security
  • Deep working knowledge of SQL & NoSQL databases
  • 2+ years of programming experience with Java or any other object oriented language
  • Solid CS fundamentals and strong inclination for architecting for scale
  • Be excited about the power of technology to transform finance for the better!
  • We’re looking for someone who thrives in the growth stages of a company, is able to think with clarity despite uncertainty and is self driven.

Our Tech Stack The primary interface for our 25000 odd daily active users is our Android app written in Java. On the backend we have 100+ microservices with serverless deployment that handle the entire user services and workflow management from onboarding, data collection, decision engine, document processing, disbursals and collections. This is complemented with an internal nodeJS application for Operations workflow management. Our data science modules & decision engines are written in Python and deployed over serverless architecture as well. We have dynamoDB as our primary database, and AWS Glue based ETL architecture for our secondary database. Querying on the secondary database is via Athena. In addition to internal security controls, we annually undertake third party security reviews and audits across our codebase and applications