About the role

Most of the Kavach platform runs on Spring Boot, and this role sits in the underwriting group: the services that take an application, pull bureau and bank data, run the policy rules and return a decision inside a few seconds.

What you will do

Build and maintain the services that call third-party data providers, normalise wildly inconsistent responses, and feed a rules engine that our risk team changes weekly without a deploy. A large part of the craft here is defensive: a bureau API will time out, return partial data or change a field name without warning, and the decision still has to be correct or explicitly deferred.

You will also help move two older services from a shared database toward their own schemas, which is careful, incremental work rather than a rewrite.

What we look for

Three to seven years of Java, real Spring Boot experience, and enough JVM knowledge to diagnose a memory or thread-pool problem rather than restart the pod and hope. Familiarity with lending or bureau data is a bonus, not a requirement.

Responsibilities

Develop and maintain Spring Boot services in the underwriting path
Integrate and harden third-party bureau and bank statement APIs
Keep the rules engine configurable so risk can ship without engineering
Incrementally split shared-database services into their own schemas
Diagnose JVM-level performance issues in production

Requirements

3-7 years of professional Java development
Production experience with Spring Boot and JPA or JDBC
Solid understanding of concurrency and the JVM memory model
Experience writing meaningful integration tests
Comfortable with Maven or Gradle and a CI pipeline

Skills

JavaSpring BootJPAPostgreSQLKafkaJUnit

Benefits

Structured career ladder with published expectations
Health, term life and accident cover
Hybrid working, three days in office
Annual bonus tied to team and company performance

Kavach Fintech

Mumbai501-1000 peopleFinancial Services

Kavach is a lending infrastructure company. Banks and NBFCs use our platform to underwrite, disburse and service unsecured credit, and we process a meaningful share of the small-ticket personal loan volume written in India every month.

Because we sit in a regulated path, correctness beats speed here. Services carry real test coverage, changes go out behind flags, and every ledger movement is reconciled daily. Engineers who enjoy reasoning about invariants, idempotency and audit trails do very well.

We are headquartered in Lower Parel, Mumbai, with a second engineering floor in Bengaluru. Most roles are hybrid at three days in office.

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