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Backend Developer - Python

NIRA

NIRA

Software Engineering
Bangalore Urban, Karnataka, India
Posted on Monday, August 28, 2023

Starting with credit, NIRA aspires to be the pre-eminent financial brand for the mass market or "Middle India". We already have customers in over 5,000 towns and cities, and we're growing quickly. It's a very exciting time to join us. We have over 200+ employees

Currently, only 10% of Indians can use banks when they need credit: banks typically require a high credit score or collateral, something most people don't have. It need not be this way. Using a combination of traditional data and the vast amount of digital data available, it is now possible to score the unscored.

Today, we receive 15000 new loan applications daily from across 4000 cities in India, and we are growing 15-20% MoM. People reach us at their time of need, and we offer them credit via our app. Money reaches their bank account within 24 hrs of application.

We are addressing head-on a big challenge. It's also a great opportunity from both a commercial and societal impact perspective. We can improve lives for millions. It is no exaggeration to say that our addressable market will be 400mm within 5 years. It's pretty exciting, we think.

If our mission resonates with you, and you are a talented and hardworking individual that wants to commit yourself to an incredible challenge, then we want to hear from you.

As one of the primary engineers on the team, you'll be building our automated credit decision engine for our growing customer base. You’ll work on a breadth of systems including real time decision engine, limit calculator and data analysis and reporting modules. You'll also work on the new products that we introduce to improve the financial lives of our customers.

Your Work Will Involve

  • End to end execution from design & development to testing of solutions written in Python for various business use cases
  • Build automation across customer lifecycle including but not limited to credit decisions
  • Work on exciting data analysis projects
  • You'll carry significant responsibility and ownership of the technology build out that would power our next phase of growth

Skills & Qualifications

  • 0-2yrs of professional experience with Python
  • Self-sufficiency in querying and extracting data from SQL databases
  • Ability to collaborate on projects and work independently when required
  • Be excited about the power of technology to transform finance for the better!

We're looking for someone who thrives in the growth stages of a company, is able to think with clarity despite uncertainty and is self driven.

Tech stack: The primary interface for our 80,000 daily active users is our Android app written in Java. On the backend we have 100+ microservices with serverless deployment that handle the entire user services and workflow management from onboarding, data collection, decision engine, document processing, disbursals and collections. This is complemented with an internal nodeJS application for Operations workflow management. Our data science modules & decision engines are written in Python and deployed over serverless architecture as well. We have DynamoDB as our primary database, and AWS Glue based ETL architecture for our secondary database. Querying on the secondary database is via Athena.

You can learn more about NIRA here:

Press:

https://www.livemint.com/companies/news/iifl-finance-partners-nira-to-offer-personal-loans-11646286609212.html

https://yourstory.com/2019/05/startup-fintech-nira-entrepreneur-loans/

https://www.livemint.com/companies/news/muthoot-finance-partners-with-nira-to-provide-personal-loans-11620309871295.html

https://www.financialexpress.com/money/personal-loan-collection-rates-return-to-pre-covid-levels-data-from-nira-reveals/2313170/

#fintech #pythondeveloper #dataengineer #pythondataanalyst #startup