Head Of Engineering

About CreditSea

CreditSea is a digital lending platform disbursing ₹300cr+ monthly. Our Loan Origination and Loan Management Systems are built fully in-house — we dont outsource critical infrastructure to vendors. Were looking for someone who wants to own systems end-to-end, not integrate someone elses 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 — youll set technical direction, grow the team, and stay close enough to the code to make good calls under regulatory and scale pressure simultaneously.

What youll 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 RBIs 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. whats outsourced, and building swappable architecture where vendors are used
• On-call/incident response culture and engineering velocity standards

What were 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