Senior AI Engineer - Agentic (Build, Context, State, Memory, Orchestrate) - NBFC - Up to 32LPA

Hiring for: One of India’s leading non-banking financial companies (NBFCs), focused on driving financial inclusion across rural and semi-urban markets.

Role: Sr. AI Engineer - Agentic Digital Journeys

Positions: 1

Experience: 3 to 8 years

Location(s): Kurla, Mumbai (Next to Phoenix Market City)

Type: On-site / Permanent

Salary: Up to INR 32 LPA (Includes 5% to 10% of annual performance bonus)

JOB DESCRIPTION FORM

1. Job Purpose Statement

Design and build agentic, AI‑driven digital journeys that autonomously guide customers, dealers, and internal users across discovery, decision‑making, and execution touchpoints. The role enables next‑generation experiences by orchestrating AI agents, data, APIs, and workflows to deliver personalized, outcome‑oriented journeys at scale.

2. Duties & Responsibilities

• Agentic Journey Design: Architect and implement AI‑powered, multi‑step digital journeys using autonomous or semi‑autonomous agents across web, app, dealer, and assisted channels.
• AI Agent Development: Build and integrate task‑oriented agents that can reason, plan, call tools/APIs, maintain context, and execute actions (e.g., eligibility checks, offer discovery, document guidance).
• Journey Orchestration: Orchestrate human‑in‑the‑loop, rule‑based, and AI‑driven decisions across journeys using state machines, workflows, and agent coordination.
• Experience Intelligence: Use signals from user behavior, data events, and feedback loops to dynamically adapt journeys in real time.
• Platform & Integration: Integrate agents with core systems, data platforms, CRM, and external services while ensuring resilience and scalability.
• Monitoring & Optimization: Track journey success metrics (completion, drop‑offs, resolution time), agent performance, and continuously optimize outcomes.
• Responsible AI & Compliance: Ensure explainability, auditability, guardrails, and regulatory compliance across AI‑led journeys.

3. Key Challenges

• Designing agentic systems that are reliable, explainable, and safe in regulated BFSI journeys
• Managing context, state, and memory across long‑running journeys
• Balancing automation with human oversight in customer‑facing flows
• Integrating AI agents with legacy systems and fragmented data sources
• Preventing hallucinations, errors, and unintended actions in autonomous flows

4. Decision‑Making Authority

• Decisions Made Independently:
• Agent design patterns, prompts, workflows, and journey logic
• Selection of orchestration approaches and journey optimization techniques
• Decisions Requiring Manager Consultation:
• Production deployment of autonomous agents, guardrail strategies, and customer‑facing changes
• Escalated Decisions:
• High‑risk automation, policy changes, or journeys impacting regulatory or financial outcomes

5. Organizational Relationship

Reviewing Officer:

Chief Digital & Data Officer – Financial Services

Immediate Supervisor / Reporting Manager:

Head – Cross-Sell Analytics & Customer Centricity

Role:

AI Engineer – Agentic Digital Journeys

6. Stakeholder Interaction

• Internal Stakeholders:
• Digital Product & CX teams
• Business owners (Credit, Risk, Sales, Service, Collections)
• Data Engineering, Platform, and IT Security teams
• External Stakeholders:
• AI platform vendors and cloud partners
• Journey orchestration / CX technology partners

7. Job Requirements

- Bachelor’s / Master’s in Engineering, Computer Science, or related fields

- 3–8 years building AI or intelligent digital products

- Exposure to conversational AI, workflow automation, or agentic systems

- Agentic AI concepts (planning, tool‑use, memory, orchestration)

- Journey design & decisioning in BFSI/NBFC context

- Responsible AI and compliance awareness

- Python, APIs, event‑driven architecture

- Experience with LLMs, agent frameworks, and orchestration tools

- Familiarity with cloud, microservices, and basic MLOps

- Strong product and customer mindset

- Comfort with ambiguity and experimentation

- Bias toward action and continuous improvement

- Collaboration‑first, systems thinking