At Prodigal, we are building AI Agents for loan servicing and collections. Founded in 2018 by IITB alumni, our journey began with one bold mission: to eradicate the inefficiencies and confusion that have plagued the lending and collections industry for decades. We are backed by Y Combinator, Accel and Menlo Ventures.
Today, we stand at the forefront of a seismic shift in the industry, building Agentic AI applications for consumer finance. Powered by our cutting-edge platform, Prodigal’s Intelligence Engine (PIE), we’re creating the next-generation agentic workforce - one that empowers companies to achieve unprecedented levels of operational excellence and intelligence.
With over half a billion consumer finance interactions processed and a growing impact on more than 100 leading companies across North America, we’ve established ourselves as the go-to partner for organizations that demand more from their AI solutions. Our unparalleled experience, coupled with our trusted customer relationships, uniquely positions us to build Agentic AI applications that will revolutionize the future of consumer finance.
At Prodigal, we are driven by a singular, unrelenting purpose: to transform how consumer finance companies engage with their customers and, in turn, drive successful outcomes for all.
We are building PIE (Prodigal Intelligence Engine) - the specialized intelligence layer that transforms AI agents from conversational interfaces into truly intelligent decision-makers. We're building the brain that makes agents understand context, make compliant decisions, and deliver personalized experiences at scale. Read more about PIE here
About the role
As a Senior Software Engineer on the Platform team, you'll architect the systems that power PIE - unifying siloed data sources across CRMs, lending systems, dialers, and communication channels into a unified intelligence layer. You're building infrastructure that doesn't just handle data at scale, but extracts meaning from it, enabling AI agents to make contextually intelligent, compliant decisions in real-time.
This isn't incremental improvement - it's foundational work toward an agentic future where specialized AI agents collaborate autonomously to manage entire collections operations. The systems you build today become the backbone of tomorrow's agentic workforce.
What you'll do
- Design and build the distributed systems infrastructure that powers PIE, processing millions of consumer interactions daily while maintaining sub-100ms response times for real-time agent decision-making
- Build robust data unification pipelines that reconcile and synthesize information across heterogeneous systems (CRMs, LMS platforms, dialers, communication channels) into coherent, actionable intelligence
- Create scalable platforms that can ingest, process, and serve insights from 500+ consumer attributes while supporting complex regulatory and compliance requirements
- Own end-to-end architecture and implementation - from high-level system design through production deployment and operational excellence
- Write production-grade code in Python, Golang, and Node.js that balances performance, maintainability, and speed of iteration
- Conduct rigorous code reviews, tackle complex distributed systems bugs, and take ownership of high-risk technical challenges
- Build comprehensive testing strategies spanning unit, integration, and regression capabilities to ensure reliability at scale
- Implement sophisticated monitoring, observability, and troubleshooting capabilities for complex distributed systems
- Drive improvements in key technical metrics: system availability, data freshness, query performance, and cost efficiency
- Partner with ML teams to build infrastructure that supports model training, inference, and continuous learning loops
- Influence technical direction and architectural decisions that span multiple teams and projects
- Mentor junior engineers through code reviews, architectural discussions, and collaborative problem-solving
- Champion engineering best practices, documentation standards, and operational excellence across the platform team
✅ Requirements
- B.Tech./BE/M.Tech Equivalent in Computer Science or relevant education
- 4+ years architecting and building high-throughput, distributed data platforms that process millions of events daily
- Strong hands-on expertise with NoSQL & SQL databases (MongoDB, DynamoDB, PostgreSQL) and modern data warehouses (Redshift, Snowflake, Databricks BigQuery)
- Deep experience building scalable, secure, highly available software that operates reliably under production load
- Proficiency with AWS services, containerization (Docker/Kubernetes), and modern DevOps practices
- Expertise in observability and monitoring tools (Sentry, CloudWatch, Prometheus, ELK) for troubleshooting production systems
- Strong expertise in troubleshooting complex production issues.
- Good problem solving, critical thinking, and communication skills. Should be able to find the right balance between perfection and speed of execution
- Self-starter and self-learner, who never settles
- Comfortable working in a fast paced environment while continuously evaluating emerging technologies
- Bonus: Foundational knowledge of Machine Learning and AI systems - understanding how models are trained, served, and integrated into production applications
- Bonus: Experience building platforms that power real-time AI/ML workloads or agentic systems
⚙️ Our Tech Stack
- Languages & Frameworks: Python, Golang, Node.js
- Databases: MongoDB, PostgreSQL, Databricks
- Infrastructure: AWS (EKS, EC2, Lambda), Kubernetes, Docker
- GenAI Tooling: Cursor, Claude code, and all other leading AI dev tools
Mode of Work - In-Office (Powai, Mumbai)
What we offer
- GenAI experience – Work directly in the innovative field of GenAI, shaping groundbreaking projects that redefine consumer finance intelligence.
- World-class team - You'll get the chance to learn from (and teach) some of the brightest and most skilled people you'll ever meet. Our team members have been part of BCG, Deloitte, EY, Blackstone, Meta, Amazon and are IIT, IIM, BITS alumnus.
- Continuous education - As relentless seekers of knowledge, we sponsor and support any training materials, books, courses, and exam fees for upskilling yourself in areas related to your role - but that's not where it ends. If you make a good case for some extra learning, we're delighted to foot the tab.
- Food at the office – Meals are on us. We won't let your stomach grumble while you hustle.
- Health insurance - Health always comes first. The health of your family is as important to us, as it is to you. We offer insurance coverage for both you and your family.
- Flexible schedule - We're not a "clock in, clock out" company. Morning person? Start work while the world's still sleeping. Night owl? Ramp things up while others are winding down. You're fully trusted to create the right