Java backend and full-stack engineers. A credit bureau stores the borrowing history of hundreds of millions of people and answers lenders' questions about them in a fraction of a second, and a lender's loan systems track every instalment. Java engineers build these systems, mostly at the credit bureaus, Bajaj Finserv and FICO, a credit-scoring company. They are the most common opening here, well above their usual weight, and most roles are full-stack, so the postings require Angular with Java and Spring Boot, tested with JUnit. Java takes the most juniors here.

.NET engineers. Much of the software that runs loan origination and asset finance was built on the Microsoft stack. .NET engineers build and extend it at Bajaj Finserv, Experian and the companies that sell lending software for equipment and vehicles, Solifi and Hive Financial Systems, in ASP.NET with Angular, Entity Framework and Azure. They are well above their usual weight here, and they take juniors more readily than in most verticals.

Salesforce developers. Bajaj Finserv runs much of its loan sales, onboarding and servicing on Salesforce. Salesforce developers build that work in Apex, Lightning Web Components and Visualforce, with Sales Cloud and Service Cloud. They are several times as common here as at a typical product company, almost all at Bajaj Finserv.

Software Engineer, Fintech. Lenders and credit platforms also hire under a plain software engineer title. Most of these roles are at Bajaj Finserv, building its app and web experience in Swift, Kotlin and JavaScript, alongside its loan services. Others are ordinary backend roles at the debt and invoice platforms, like Yubi and KredX, and the business lenders, like Biz2X and Liberis, in Java or Python with Spring Boot and Kafka, where lending is the setting rather than the skill. Together, fintech software engineers are several times as common here as at a typical product company, and the roles defined by the lending domain are hired with experience.

Test engineers. Testers hold slightly less than their usual place, mostly at the credit bureaus and Bajaj Finserv. They automate in Java with Playwright and Selenium, test mobile apps with Appium, and some test performance with JMeter.

Cloud and DevOps engineers. Cloud engineers are less common here than at most product companies. They run the bureaus' and FICO's platforms, in Python with AWS, Terraform and Kubernetes, and many postings also require Go.

Frontend engineers. Borrowers apply, track their loans and pay on screens built by frontend engineers in React and Angular, mostly at Bajaj Finserv.

GenAI engineers. GenAI is less common here than at most product companies. Where it appears, at OakNorth's India centre and the credit bureaus, it builds AI features for credit analysis and lending, in Python with the OpenAI API, LangChain and vector databases. These roles take juniors readily.

Data engineers. The bureaus and rating agencies run on data. Data engineers build the pipelines and the data-quality checks behind credit files and ratings, in Python and SQL with Presto and PySpark.

Also present. Adobe Experience Manager developers who build Bajaj Finserv's website, mobile engineers for the loan apps, JavaScript and Node engineers at the buy-now-pay-later companies, like Snapmint, platform developers, ServiceNow developers, and small groups of Python, Go and full-stack engineers at the young credit-data and lending companies, like CredHive and FinBox.

Rare here. C/C++ systems engineering, firmware and SAP barely appear.