Team Member - IT Application Support (Apps)

Organisation context:

Aditya Birla Capital Limited (NBFC) is among the Top 5 diversified non-banking financial services company in India based on AUM. ABC - NBFC offers customized solutions in areas of personal finance, SME finance, SME finance, corporate finance, wealth management, debt capital markets and loan syndication. For the FY ended 31st March 2025, ABC – NBFC has a book size of Rs. 1,26,351 Crores and net PAT of Rs 2501 Crores with 6939 employees and 449 branches. During the last 3 years, the AUM & PAT of ABC – NBFC has grown at a CAGR of more than 31%, outpacing the growth rates of Top 7 Diversified NBFCs. As a result, ABC – NBFC has moved 3 ranks to become 5th largest diversified NBFC in the last 3 years.

Job Context:

The role is responsible for designing and developing enhancements across Loan Origination (LOS), Loan Management (LMS), Business Rule Engines (BRE), Interfaces, and API gateways to support digital lending products (secured & unsecured).
The developer must ensure stable, scalable application behavior while integrating with multiple internal/external systems such as CKYC, bureaus, banking APIs, esign/estamp providers, payment gateways, accounting systems, collections platforms, and risk engines.

Responsibilities

• Analyze functional requirements and translate them into system design, technical specifications, and development tasks.
• Develop and enhance modules in LOS/LMS, including workflows, validations, disbursement logic, schedules, charges, repayment, and servicing features.
• Implement BRE configurations including eligibility rules, scorecards, risk rules, pricing rules, FOIR/DTI logic, etc.
• Build and enhance REST APIs, SOAP services, adapters, interface layers, and thirdparty integrations.
• Write and optimize SQL queries, views, procedures, DB jobs, and ensure performance tuning.
• Conduct unit tests, SIT/UAT fixes, regression validations and support production deployment activities.
• Ensure compliance to secure coding standards, audit requirements and data security policies.
• Work closely with Product Owners, QA, DevOps, Database teams, Vendors, and Business to deliver releases.
• Participate in defect triage, impact analysis, RCA, and preventive improvement planning.
• Create and maintain technical documentation, code repositories, and version control practices.
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Requirements & Skills

• 3–8 years of experience in software development in BFSI/FinTech domain (preferred).
• Strong handson experience in:
   ? Java / .NET / Python
   ? SQL / PLSQL / TSQL
   ? APIs (REST/SOAP), Postman, JSON, XML
   ? Microservices, messaging queues (Kafka/RabbitMQ) (preferred)
   ? Git, CI/CD, Jenkins/Azure DevOps
• Knowledge of lending lifecycle (LOS → BRE → LMS → Collections).
• Exposure to data structures, algorithms, error handling and code optimization.
• Strong debugging capability across application, database, and integration layers.
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Major Challenges

• Ensuring high development quality under aggressive deadlines.
• Managing multiple integrations and handling upstream/downstream dependencies.
• Supporting complex loan journeys with compliance, audit and regulatory requirements.
• Maintaining a stable environment during continuous enhancements and partner integrations.
• Balancing speed and accuracy in multi-sprint releases.