Mid-market lending NBFC with tech-enabled underwriting and portfolio management
Vivriti Capital is a fintech NBFC managing INR 8800+ Cr across 300+ mid-market enterprises in India. The tech stack is enterprise-grade (Java/Spring Boot, PostgreSQL/MongoDB, Kubernetes, Oracle) with heavy analytics layers (Power BI, Databricks), but hiring reveals structural imbalance: finance dominates (8 roles) while engineering (1) and data (1) lag far behind. Pain points cluster around manual accounting, tax reconciliation, and regulatory compliance—suggesting the business is operationally constrained by legacy processes rather than technology limits. The gap between infrastructure sophistication and staffing scarcity signals opportunity for backend automation and finance-ops optimization.
Vivriti Capital operates as a fintech NBFC lending to mid-market enterprises across India, with a portfolio spanning 45+ sectors. The company manages structured debt finance through a curated product suite covering wholesale lending, supply-chain finance, real estate collateral lending, and marketplace lending. Across six years of operation, Vivriti has built specialized underwriting, credit modeling, and portfolio monitoring capabilities, achieving 90%+ client retention. The organization combines multi-level underwriting discipline with technology infrastructure (Java/Spring backend, React frontend, Kubernetes orchestration, cloud hosting across AWS/Azure/GCP) and analytics (Power BI, Databricks). Based in Chennai with 201–500 employees, the company operates exclusively in India.
Backend: Java, Spring Boot, PostgreSQL, MongoDB, Oracle. Frontend: React, TypeScript, Redux Toolkit. DevOps: Docker, Kubernetes, AWS, Azure, GCP. Analytics: Power BI, Databricks. Testing: Selenium, Cypress, JUnit. Security: Palo Alto Networks, Check Point, Fortinet.
Vivriti manages a portfolio across 300+ mid-market enterprises spanning 45+ sectors, with INR 8800+ Cr under management.
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