Principal Engineer

Credila Financial Services Limited (Formerly known as HDFC Credila Financial Services Limited) is one of India’s largest education loan non-banking financial companies (NBFCs) offering education loans to Indian students. Since inception, Credila has funded 178,000+ Indian students across 63 countries in 4,600 institutes.

Credila’s Technology Team manages all payment solutions supporting our education loan ecosystem across India. These solutions are evolving rapidly as we continuously introduce innovative features and launch new products to enhance customer experience.

As we move toward being an AI-first company and deeply integrate foundational models, we’re building an AI-native interface to lending that delivers personalized recommendations and timely insights for customers, while improving risk management, scalability, security and accuracy for the business, helping reduce credit and fraud losses and enable more tailored collections strategies. This includes :

• Credit Risk Assessment using Machine Learning for dynamic scoring and fraud detection.
• Predictive Analytics to forecast repayment behavior and optimize loan approval workflows.
• Natural Language Processing (NLP) for automated document verification and customer support.
• AI-powered Chatbots and Virtual Assistants to improve borrower engagement and reduce friction.
• GenAI-based Dispute Resolution and Claim Approvals for faster turnaround and operational efficiency.

Broad Roles and Responsibilities :

Leadership Scope :

Required Skills :

Preferred Edge : ML experience, cybersecurity, E2E testing, and familiarity with financial systems.

Qualifications & Experience

Location