Technical Project Lead Solution Architect -Digital Lending, Fintech

Experience: 814 years
Employment Type: Full-time
Industry: Fintech, Digital Lending, NBFC, AI/ML and Enterprise Software

About the Role

We are looking for an experienced Technical Project Lead / Solution Architect to lead the design, development and launch of an AI-enabled digital lending and loan marketplace platform.

The platform will combine three core business capabilities:

1. In-house lending: Digital loan origination, underwriting, sanction, disbursement, loan servicing and collections.
2. Lead generation: Digital customer acquisition, lead management, campaign attribution, customer engagement and conversion analytics.
3. NBFC marketplace: Integration with multiple banks and NBFCs, loan-product discovery, eligibility assessment, lender matching and application routing.

The candidate will own the end-to-end technical delivery, from architecture and product requirements through development, integrations, testing, deployment and production operations. The role also involves integrating Agentic AI and voice-based AI solutions to automate customer acquisition, loan qualification, verification workflows and customer support.

Key Responsibilities

1. Architecture and Product Engineering

• Design a scalable, secure, API-first architecture for a multi-product digital lending platform.
• Define the architecture for mobile applications, web portals, backend services, databases, integrations and cloud infrastructure.
• Develop technical roadmaps, solution architecture diagrams, API specifications and data models.
• Decide appropriate architecture patterns, including modular monoliths and microservices where justified.
• Lead engineering teams across frontend, backend, mobile, QA, DevOps and AI/ML.

2. Digital Lending and Loan Management

• Build or integrate a Loan Origination System (LOS) and Loan Management System (LMS).
• Implement digital onboarding, KYC workflows, credit bureau integrations, income verification and underwriting rules.
• Develop loan application, credit assessment, approval, sanction letter, e-signing, disbursement and repayment workflows.
• Integrate bank-account verification, payment gateways, e-NACH/UPI mandates and collection systems where applicable.
• Build dashboards for loan book performance, overdue accounts, collections, delinquency and portfolio analytics.
• Ensure the lending architecture supports configurable credit policies and multiple loan products.

3. NBFC Marketplace and Partner Integrations

• Design a lender integration framework using REST APIs, webhooks and secure data exchange.
• Build lender onboarding, product configuration, eligibility rules, application routing and offer comparison.
• Implement application status tracking, partner reconciliation, conversion reporting and commission calculations.
• Support integration with multiple NBFCs and banks without hard-coding lender-specific business logic into the entire application.
• Build monitoring and retry mechanisms for failed or delayed partner API transactions.

4. Agentic AI and Voice AI

• Design and deploy AI voice agents for inbound and outbound customer interactions.
• Build AI workflows for lead qualification, document collection, application assistance, reminders and customer support.
• Integrate speech-to-text, text-to-speech, LLMs, telephony platforms and CRM systems.
• Develop AI agents using tool calling, workflow orchestration, retrieval-augmented generation (RAG) and appropriate guardrails.
• Use AI for document extraction, application data validation, customer-query resolution and operational automation.
• Implement human escalation, conversation audit trails, consent controls, evaluation frameworks and monitoring.
• Ensure AI-generated recommendations do not bypass approved credit policies or required human approvals.

5. Lead Generation and Marketing Technology

• Build lead ingestion APIs, campaign tracking, referral workflows and lead-distribution engines.
• Integrate Google Ads, Meta Ads, app attribution platforms, CRM systems, call-centre software and marketing automation tools.
• Develop lead scoring, deduplication, routing, funnel analytics and source-level ROI dashboards.
• Automate follow-ups through approved communication channels.
• Track acquisition cost, qualified leads, application completion, sanction rate and disbursal conversion.

6. Technology Stack and Cloud Engineering

Backend

• Strong expertise in Java/Spring Boot or Node.js/NestJS.
• REST APIs, webhooks, asynchronous processing, authentication and integration design.
• Python/FastAPI experience for AI services is highly desirable.

Frontend and Mobile

• React.js / Next.js for web applications.
• Flutter, React Native or native Android/iOS development.
• Responsive customer journeys and internal operations dashboards.

Databases and Messaging

• PostgreSQL or another enterprise relational database.
• Redis, Kafka, RabbitMQ or cloud-managed messaging services.
• Data modelling, transaction management, caching and reliable event processing.

AI/ML

• LLM APIs, prompt engineering, tool calling, RAG and AI workflow orchestration.
• Voice AI, speech processing and telephony integrations.
• Python, model evaluation, monitoring and responsible AI practices.

Cloud and DevOps

• AWS or Azure.
• Docker, CI/CD, infrastructure as code and production observability.
• Automated testing, logging, incident management, security controls and disaster recovery.

The candidate is not expected to be an expert in every technology listed. Strong architectural depth, delivery ownership and the ability to lead specialists are essential.

7. Security and Regulatory Readiness

• Build security and privacy requirements into the application architecture.
• Implement role-based access control, encryption, audit trails, secrets management and secure API access.
• Support consent-based data collection, data-retention controls and borrower-data access restrictions.
• Work with compliance and lending partners to address applicable RBI digital lending requirements, KYC/AML obligations, borrower disclosures and grievance workflows.
• Ensure production systems support traceability of credit decisions, loan transactions and customer communications.

8. Project and Team Leadership

• Translate business requirements into technical specifications, development plans and release milestones.
• Manage sprint planning, dependencies, technical risks, delivery quality and release readiness.
• Review architecture, code quality, testing coverage, API design and security.
• Coordinate product managers, business stakeholders, NBFC partners, vendors and engineering teams.
• Establish engineering KPIs, production SLAs, incident response procedures and continuous improvement practices.

Mandatory Qualifications

• 8–14 years of overall experience in software engineering, solution architecture or technical project delivery.
• At least 3 years of relevant experience in fintech, digital lending, loan marketplaces, banking technology or financial-services platforms.
• Demonstrated experience building and launching a production-grade lending application, financial marketplace or comparable transaction-heavy platform.
• Strong understanding of LOS/LMS workflows, API integrations, databases, cloud infrastructure and secure application design.
• Experience leading cross-functional engineering teams and delivering complex products end to end.
• Practical experience integrating external financial services, identity verification, payment systems or enterprise APIs.
• Strong stakeholder communication, problem-solving and technical decision-making skills.

Preferred Qualifications

• Experience building an NBFC marketplace or a multi-lender loan aggregation platform.
• Exposure to personal loans, consumer lending, business loans or unsecured credit products.
• Hands-on experience building Agentic AI applications, conversational AI or voice-based AI agents.
• Experience with credit bureau integrations, digital KYC, e-signature and payment mandate workflows.
• Experience with cloud-native architecture, event-driven systems, high-volume lead generation and customer acquisition platforms.
• Exposure to credit risk models, fraud detection, document intelligence and lending analytics.

Success Metrics

The candidate will be measured on:

• Delivery of the platform against agreed scope and milestones.
• Reliability and performance of lender and financial-services integrations.
• Reduction in application processing time and manual operational effort.
• Improvement in lead-to-application and application-to-disbursal conversion.
• Quality, security, auditability and maintainability of the platform.
• Successful deployment of production-ready AI and voice automation workflows.
• Engineering productivity, incident resolution and operating cost efficiency.

Interview Evaluation

Candidates should be able to demonstrate a system they personally helped architect or deliver. They should explain the architecture, technology choices, integrations, scale, security considerations, challenges and measurable outcomes.

Candidates with only project coordination experience, without substantial ownership of architecture or production software delivery, should not be shortlisted.