Gain Credit

Founded in 2003, GAIN Credit is a tech-forward, inclusive, and responsible business using world-class innovative technology and data science to provide endless gaining opportunities for customers, employees, and merchants alike. At GAIN Credit, our mission is to empower lives, which is about providing solutions that meet the credit needs of society in an affordable and responsible manner, ensuring that we always treat customers fairly, helping our customers when they need it most by providing access to credit and giving them realistic timelines to re-pay.

Our flagship brands Lending Stream & Drafty enjoy 4.4 & 4.3 ratings on TrustPilot respectively (UKs leading customer review website). Drafty our pioneering credit-line product is a first-of-its-kind, no-fee credit line and has been awarded Innovation of the Year for 2017 and 2018 by the Consumer Credit Awards.

In India, we are among the top 55 Great places to work. People at GAIN Credit GAINers as we call them are our assets. We believe happy people lead to happy customers. And this is why a great work culture is a super high priority at GAIN Credit. We make that happen through living our company values in every interaction we have with each other. In fact, we believe the only way to gain at GAIN Credit is through living our company values.

Some of our awards :

- Ranked 55 among India Great places to work (mid-sized segment) in 2021-22

- Best Responsible Lender at Credit Excellence Awards- 2021

- 2018 British Credit Award- Consumer Credit Team of the Year- Lending Stream

- F5 : Alternative Consumer Lender of the Year Lending Stream

- F5 Awards 2018 Best Brand Drafty

- 2018 Consumer Credit Awards : Innovation of the Year Drafty

Is this the place for you?

As a GAINer, you will get to focus on your personal and professional gains, experience an award winning workplace culture, access to perks, maintain work-life balance, and contribute to the community in meaningful ways. As a GAINer, integrity will guide everything you do, with a service mindset that puts others first. You will foster curiosity to drive learning, focus on continuous improvement, and take accountability for your actions to deliver exceptional outcomes.

We strongly believe in :

At GAIN Credit, we believe that our fantastic teams help build the best products that enable us to understand and attract more customers. Therefore, we completely support and welcome diversity across thoughts, people, and actions. We care about our employees, and their well-being and have many on-going activities to boost their physical, mental, and financial wellbeing. We encourage people from diverse backgrounds, culture, age, gender, orientation, and abilities to apply for all our openings and offer reasonable support to achieve their professional goals.

Job Title : Senior Software Engineer

Department : Product Development

Location : Chennai

Collaborative teams : Organization-wide

Role Overview

We are seeking a results-oriented Senior Engineer (Level 3) to join our product engineering team focused on delivering full-stack enhancements and new features for our lending platform. This role is integral to expanding our reach to new customer segments, driving business growth, and optimizing our core lending products.

Youll be responsible for building, integrating, optimizing, and automating business-critical services ranging from customer-facing apps and underwriting to payments, operations tools, and platform infrastructure. All engineering roles at GAIN Credit are expected to operationalize GenAI and other AI tools for improved productivity, code quality, and automation this is part of how we raise the bar and accelerate our technology outcomes.

Oh, the things youll do :

- Take ownership of medium-to-large, complex full-stack development projects delivering new features, integrations, optimizations, and platform improvements.

- Collaborate cross-functionally with business, product, and operations to define requirements and deliver measurable value.

- Build and enhance consumer-facing web/mobile applications, core lending and payments services, and business process automation.

- Implement robust, scalable, and maintainable solutions using modern software practices and cloud-native platforms.

- Contribute to and advocate for a culture of high code quality, frequent testing, automation, and documentation.

- Regularly use GenAI/AI tools to improve day-to-day engineering efficiency, including code generation, testing, documentation, and troubleshooting.

- Identify and drive technical/process improvements that enable faster delivery and higher system reliability.

- Mentor junior engineers, conduct peer reviews, and lead by example in quality and ownership.

What you bring to the table :

- 4-6 Years of proven hands-on experience with full-stack development (frontend and backend), ideally using Python, JavaScript, and modern frameworks.

- Ability to learn and adapt to new technologies, frameworks, and tools as needed (not restricted to any one stack).

- Strong foundation in system design, cloud-native architectures, APIs, databases (relational and NoSQL), and containerization (e.g., Docker).

- Familiarity with DevOps, CI/CD, monitoring/observability, and infrastructure-as-code practices.

- Experience in designing for scale, security, maintainability, and compliance in a regulated environment (financial services preferred).

Required Mindset & Behaviors :

- Business-Outcome Focus : Driven to deliver features and improvements that expand business reach, product capabilities, and operational efficiency.

- Ownership & Accountability : Takes responsibility for the full engineering lifecycle from requirements to production support.

- Continuous Improvement : Proactively uses AI tools and industry best practices to improve self, team, and systems.

- Collaborative : Works effectively with global, distributed teams and communicates clearly across time zones.

- Customer-Obsessed : Strives to build robust, reliable solutions that deliver superior customer value.

What Sets You Apart

- Experience in financial services, lending, or other regulated domains.

- Comfortable in a remote-first, distributed, and asynchronous work environment.

- Demonstrated ability to deliver complex projects independently, with strong analytical and problem-solving skills.

Why Join Us?

- Global-scale engineering challenges with impact on millions of customers.

- Inclusive, remote-first work culture with career growth and learning opportunities.

- Opportunity to leverage GenAI and modern tools to drive real change.

- Flexible work, continuous upskilling, and visible contribution to business success.