Pune, Maharashtra, India
Finance & Banking
Full-Time
Credit Saison
Overview
About Credit Saison :
Established in 2019, CS India is one of the country’s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintech’s. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India’s huge gap for credit, especially with underserved and under penetrated segments of the population.
Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. CS India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings.
Currently, CS India has a branch network of 45 physical offices, 1.2 million active loans, an AUM of over US$1.5B and an employee base of about 1,000 people.
Credit Saison India (CS India) is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact.
Credit Saison Co., Ltd. (株式会社クレディセゾン) is a leading Japanese financial services company, founded in 1951 and headquartered in Tokyo. As the 3rd largest credit card issuer in Japan, Credit Saison boasts over 35 million cardholders. The company operates across five main segments:
Payments (B2C): Offering a variety of payment services, including credit and prepaid cards, and smartphone-based payments.
Payments (B2B): Providing credit cards and other payment services to businesses, enhancing cash flow and back-office efficiency
Finance: Offering financial products for home purchases, rentals, and leases.
Global Business: Delivering digitalized and localized financial services to underserved communities in Southeast Asia, India, and Latin America.
Asset Management: Providing asset management services tailored to business operators' capital investment plans.
Saison International serves as the international headquarters and global business arm of Credit Saison and plays a key role in connecting its subsidiaries. Established in 2014, Saison International operates in Southeast Asia, India, and Latin America, partnering with local non-bank financial institutions and FinTech companies to manage a lending business for individuals and MSMEs.
This includes Onshore subsidiaries engaged in wholesale lending in Brazil and Mexico
An offshore wholesale lending business based out of Singapore (Saison Investment Management Pte Ltd).
An offshore wholesale lending business based out of Singapore (Saison Investment Management Pte Ltd).
A non bank finance company in India engaged in both retail and wholesale lending.
Associates enagaged in retail and wholesale lending in south east Asian countries such as Indonesia and Vietnam.
In addition to its lending business, Saison International also engages in Investment activities, including venture capital.
Saison International has been the key driver of growth for Credit Saison, notably establishing a US$ 2bn lending business in India in the last 5 years. Saison International forms the core of the group's future growth strategy.
Associates enagaged in retail and wholesale lending in south east Asian countries such as Indonesia and Vietnam.
In addition to its lending business, Saison International also engages in Investment activities, including venture capital.
Saison International has been the key driver of growth for Credit Saison, notably establishing a US$ 2bn lending business in India in the last 5 years. Saison International forms the core of the group's future growth strategy.
Come join us and be a part of a unique and culturally modern fintech NBFC that is bound for greater success.
We pride ourselves on a modern technology stack - reliable, scalable and highly secure!Our tech stack reads like this - Microservices architecture built on Java (Springboot),Kotlin, Go, Python and some serverless infra, Front-ends on VueJS, Mobility via Flutter fully deployed on an automated cloud environment. We have a robust data infrastructure to derive intuitive business insights and also perform automated decisions in our lending process.
Skills/Qualifications:
A solid grounding in Computer Science fundamentals (based on a BS or MS in CS or related field)Excellent Object Orientation, coupled with excellent problem solving and debugging skills.Highly skilled at Java and related technologies, including Java Frameworks like SpringBoot or Dropwizard, RESTful web services, JSON, Servlet, JSP, MySQL,MongoDB, Kafka,AWS etc.Must have hands-on experience on building scalable and secure backend systems.Should have working knowledge of DevOps concepts like Continuous Deployment,
Jenkins, Kubernetes and deployment on AWS.Good understanding of one of the JavaScript libraries and frameworks such as ReactJS, AngularJS etc will be an added advantage.Well versed in software engineering principles, frameworks and technologies
Job Duties:
Develop server side components, REST APIs – Assume ownership for existing and new modules including design, development and unit testing for enhancements of existing modules and development of new modules. Follows coding standards, builds appropriate unit tests,integration tests and deployment scripts.
Solve Problems - Analyse problems logically and exercise sound judgement in defining,evaluating, and solving difficult technical and operational problems where solutions may be of a precedent-establishing nature.
Lead the design and architectural improvements – Participate and collaborate with team members in design discussions, determine areas of complexity, potential risks to successful implementation, suggest enhancements to architecture, implement POCs and enhance application.
Work closely with team members, coordinate requirements, and perform feasibility studies to implement them in application, provide schedules, and activities; contribute to team meetings and activities; troubleshoot development and production problems across multiple environments and operating platforms
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