About CreditSea
CreditSea is a digital lending platform disbursing ₹300cr+ monthly. Our Loan Origination and Loan Management Systems are built fully in-house — we don't outsource critical infrastructure to vendors. We're looking for someone who wants to own systems end-to-end, not integrate someone else's black box.
The Role
We need a Head of Engineering to lead the team building and scaling our in-house LOS/LMS, payment infrastructure, and the systems underpinning credit decisioning at scale. This is a hands-on leadership role — you'll set technical direction, grow the team, and stay close enough to the code to make good calls under regulatory and scale pressure simultaneously.
What you'll own
- Architecture and scaling of the in-house LOS/LMS as disbursement volume grows
- Payment/settlement infrastructure reliability (UPI-heavy repayment flows, reconciliation, NACH)
- Engineering hiring, mentorship, and team structure as we scale from current headcount
- Technical partnership with Risk & Analytics on model deployment, data pipelines, and interpretability requirements (aligned with RBI's draft Model Risk Management Guidance)
- Security and compliance posture for PII-sensitive systems (encryption, access control, audit logging)
- Vendor dependency strategy — deciding what stays in-house vs. what's outsourced, and building swappable architecture where vendors are used
- On-call/incident response culture and engineering velocity standards
What we're looking for
- 8+ years of engineering experience, with 3+ years leading teams, ideally at a fintech, NBFC, or high-scale transactional system
- Strong systems fundamentals — distributed systems, databases, API design at scale
- Experience operating under regulatory constraints (RBI, PCI-DSS) is a strong plus
- A bias toward building and owning over buying, without being dogmatic about it
- Comfortable being hands-on when needed, not just a people manager
