About The Company
Boltin is a leading financial technology company dedicated to transforming the lending landscape through innovative software solutions. With a focus on delivering scalable and reliable loan management platforms, Boltin empowers financial institutions, banks, and non-banking financial companies (NBFCs) to optimize their lending operations. Our commitment to excellence and cutting-edge technology has positioned us as a trusted partner in the financial services industry, supporting a wide range of lending products including personal, auto, home, SME, and equipment finance. Boltin's solutions are designed to streamline processes, ensure compliance, and enhance customer experience, making us a preferred choice for organizations seeking digital transformation in lending.
About The Role
We are seeking an experienced Loan Management Platform Developer to join our dynamic team at Boltin. The ideal candidate will possess extensive experience in software development within the lending domain, particularly in loan servicing modules on enterprise-level Loan Management Systems (LMS). This role involves designing, developing, and maintaining sophisticated loan servicing features that cater to various lending products and regulatory standards. The successful candidate will collaborate closely with cross-functional teams to deliver innovative solutions that improve operational efficiency, reduce risk, and enhance user experience. This position offers an exciting opportunity to work on complex financial systems, contribute to product evolution, and influence the future of digital lending technology.
Qualifications
- 8+ years of overall software development experience with at least 4+ years hands-on experience in loan management or loan servicing platforms.
- Proven expertise in developing loan servicing modules on enterprise LMS platforms.
- Experience in consumer lending products such as personal loans, two-wheelers, auto loans, and home loans, as well as commercial lending including SME, LAP, equipment finance, and working capital.
- Exposure to Australian vehicle and equipment finance processes, including chattel mortgage, finance lease, hire purchase, and novated lease servicing.
- Strong understanding of settlement processing, payout figure calculation, and disbursement handling.
- Proficiency in developing repayment schedule engines supporting EMI, P&I, balloon, interest-only, and irregular repayment structures.
- Hands-on experience with payment processing systems, including direct debit, ECS/NACH/auto-debit, dishonour handling, and retry logic.
- Knowledge of arrears and overdue management, including automated dunning, escalation procedures, and hardship variations.
- Familiarity with collections workflows such as bucket-wise staging, field collections, legal referrals, and enforcement tracking.
- Understanding of NPA classification, repossession, asset surrender, and security enforcement processes.
- Experience with write-offs, provisioning, deficiency balance management, and recovery posting.
- Knowledge of charge and hypothecation registration, search, and release processes.
- Ability to manage regulatory reporting, credit bureau integrations, and compliance-driven audit trails.
Responsibilities
The successful candidate will be responsible for designing, developing, and maintaining core loan servicing modules within Boltin's enterprise LMS platform. Key responsibilities include:
- Developing and enhancing loan management features to support a wide range of lending products and repayment structures.
- Implementing settlement processing workflows, payout calculations, and disbursement handling mechanisms.
- Creating and optimizing repayment schedule engines supporting various repayment types such as EMI, balloon payments, and interest-only schemes.
- Integrating and managing payment processing systems, ensuring seamless handling of direct debits, ECS/NACH transactions, and dishonour scenarios.
- Designing automated arrears and overdue management workflows, including dunning, escalation, and hardship processing.
- Developing collections workflows, tracking legal referrals, enforcement actions, and bucket-wise staging processes.
- Implementing NPA classification, repossession, asset surrender, and security enforcement functionalities.
- Managing write-offs, provisioning, deficiency balances, and recovery postings to ensure accurate financial reporting.
- Handling registration, search, and release of charges and hypothecation documents.
- Ensuring compliance with regulatory requirements through proper audit trail management and credit bureau reporting.
- Collaborating with cross-functional teams to deliver high-quality solutions and participate in product lifecycle management.
- Providing technical support and troubleshooting for existing modules, ensuring system stability and performance.
Benefits
At Boltin, we value our employees and offer a comprehensive benefits package designed to support your professional growth and personal well-being. Our benefits include competitive salary packages, health insurance coverage, and retirement plans. Employees have access to ongoing training and development programs to enhance their skills and stay updated with industry trends. We promote a collaborative and inclusive work environment that encourages innovation and teamwork. Additionally, Boltin offers flexible working arrangements, paid time off, and performance-based incentives to motivate and reward our team members. Joining Boltin means becoming part of a forward-thinking organization committed to your success and career advancement.
Equal Opportunity
Bolting is an equal opportunity employer. We are committed to creating an inclusive environment where all employees and applicants are treated with respect and fairness regardless of race, gender, age, religion, sexual orientation, disability, or any other characteristic protected by law. We believe diversity drives innovation and excellence, and we strive to foster a workplace that celebrates individual differences and promotes equal opportunities for all.
