About Times Internet: At Times Internet, we build premium digital products that simplify and enhance the everyday lives of people. We are India’s largest digital products company with a presence in a wide range of categories across news, entertainment,marketplaces, and transactions. Many of our products are market leaders & iconic brands in their own right. TOI, ET, Indiatimes , NBT, ET Money, TechGig , and Cricbuzz, among others, are products that bring you closer to your interests and aspirations. We are excited by new possibilities and look forward to bringing new products, ideas, and technologies that help people make the most of every day. Build a career of purpose & passion with Times Internet. Website :http://www.timesinternet.in About Role: You're building the engine — LOS backend, LMS integrations, and the full API layer that connects bureau, KYC, eSign, disbursal, and collection systems. The stack is greenfield, the decisions are yours to make, and the output is a production lending platform that real borrowers use. Responsibilities: - Design and build the LOS backend architecture and LMS integrations - Own the full API integration layer: bureau (CIBIL/Experian), eKYC (Aadhaar/V-CIP), eSign, bank statement analysis, PennyDrop, disbursal (Razorpay/Cashfree), NACH/UPI AutoPay - Build fraud detection integrations: FaceMatch, liveness detection, IP tracking, device risk scoring - Set up transactional email and SMS delivery for KFS, sanction letters, and borrower alerts - Own data residency compliance — all data stays in India; implement per RBI IT Framework and DPDP Act - Lead DR/BCP implementation and security/pen testing Requirements: - 4–7 years of backend engineering; fintech or lending platform experience strongly preferred - Strong in Java; know REST API design inside out - Have integrated financial APIs (bureau, KYC, payment gateway, NACH) in production — not in a demo environment - Solid on security: encryption, VAPT, OWASP top 10 - Cloud-native (AWS/GCP/Azure) and understand data residency requirements - Familiar with RBI IT Framework for NBFCs, or willing to get up to speed fast