Back End Developer

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 newpossibilities 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.inAbout 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 integrationsOwn the full API integration layer: bureau (CIBIL/Experian), eKYC (Aadhaar/V-CIP), eSign, bank statement analysis, PennyDrop, disbursal (Razorpay/Cashfree), NACH/UPI AutoPayBuild fraud detection integrations: FaceMatch, liveness detection, IP tracking, device risk scoringSet up transactional email and SMS delivery for KFS, sanction letters, and borrower alertsOwn data residency compliance — all data stays in India; implement per RBI IT Framework and DPDP ActLead DR/BCP implementation and security/pen testingRequirements:4–7 years of backend engineering; fintech or lending platform experience strongly preferredStrong in Java; know REST API design inside outHave integrated financial APIs (bureau, KYC, payment gateway, NACH) in production — not in a demo environmentSolid on security: encryption, VAPT, OWASP top 10Cloud-native (AWS/GCP/Azure) and understand data residency requirementsFamiliar with RBI IT Framework for NBFCs, or willing to get up to speed fast