Equitas Small Finance Bank - Technical Lead - Loan Origination System (8-15 yrs)

Employment Type : Full-Time

About the Role :

We are seeking an experienced Asset Banking Technical Lead with strong expertise in Lending and Asset Banking domains, particularly in Loans, Credit Cards (CC), and Loan Origination Systems (LOS). The ideal candidate will possess a blend of technical leadership, solution architecture, and stakeholder management capabilities, acting as a bridge between business and technology teams. The candidate will be responsible for driving end-to-end technical delivery, collaborating with product owners and business stakeholders, designing scalable solutions, and leading development teams to build robust banking applications using Java and AWS technologies.

Key Responsibilities :

- Lead the design, development, and implementation of Asset Banking and Lending technology solutions.

- Work closely with business stakeholders, product owners, and solution architects to understand business requirements and translate them into technical solutions.

- Drive end-to-end delivery of Loan Origination System (LOS), Credit Card, and Lending platform initiatives.

- Lead technical discussions, architecture reviews, and solution design workshops.

- Define application architecture and ensure alignment with enterprise architecture standards.

- Provide technical leadership to development teams and mentor junior developers.

- Ensure application scalability, performance, security, and reliability.

- Collaborate with QA, DevOps, infrastructure, and business teams throughout the project lifecycle.

- Participate in requirement analysis, effort estimation, sprint planning, and release management.

- Troubleshoot critical production issues and provide timely resolutions.

- Ensure compliance with banking security, regulatory, and governance standards.

- Drive modernization initiatives using cloud-native and microservices-based architectures.

Required Technical Skills :

1. Core Banking Domain Expertise :

- Strong experience in Asset Banking and Lending Domain.

- Hands-on experience with :

1. Loan Origination Systems (LOS)

2. Consumer Loans

3. Retail Lending

4. Credit Cards

5. Loan Lifecycle Management

6. Credit Assessment Processes

7. Banking Product Workflows

- Strong understanding of banking operations and lending business processes.

2. Java Technology Stack :

- Strong hands-on experience in :

1. Java 8/11/17

2. Spring Boot

3. Spring Framework

4. Microservices Architecture

5. RESTful APIs

6. Hibernate/JPA

7. Maven/Gradle

- Experience building high-volume, enterprise-grade banking applications.

3. AWS Cloud Expertise :

- Hands-on experience with AWS services including :

1. EC2

2. S3

3. Lambda

4. API Gateway

5. RDS

6. CloudWatch

7. IAM

8. ECS/EKS (preferred)

9. SQS/SNS

10. Secrets Manager

4. Database Skills :

- Strong SQL and database design skills.

- Experience with Oracle, PostgreSQL, MySQL, or SQL Server.

- Query optimization and performance tuning.

5. Integration & Middleware :

- API design and integration.

- Experience with REST/SOAP services.

- Event-driven architecture and messaging platforms.

- Exposure to middleware technologies is preferred.

Preferred Skills :

- Exposure to Digital Banking platforms.

- Experience with Credit Card Management Systems.

- Knowledge of API Management platforms.

- Understanding of DevOps and CI/CD practices.

- Experience with Docker and Kubernetes.

- Exposure to Agile/Scrum methodologies.

- Knowledge of Banking Security Standards and Regulatory Compliance.

Leadership Expectations :

- Lead and mentor development teams.

- Manage technical delivery across multiple workstreams.

- Drive solution design and architectural decisions.

- Collaborate effectively with business, product, and engineering teams.

- Provide technical guidance during project planning and execution.

- Influence technology roadmap and modernization initiatives.

Educational Qualification :

- Bachelor's or Master's Degree in Computer Science, Information Technology, Engineering, or related discipline.

Key Competencies :

- Strong stakeholder management skills.

- Excellent communication and presentation abilities.

- Solution-oriented mindset.

- Strong analytical and problem-solving capabilities.

- Ability to manage multiple priorities in a fast-paced banking environment.

- Ownership mindset with strong delivery focus.