Optimo Capital

About us:

Optimo Capital is a newly established NBFC founded by Prashant Pitti, who is also a co-founder of EaseMyTrip (a billion-dollar listed startup that grew profitably without any funding).

Our mission is to serve the underserved MSME businesses in India with their credit needs. With less than 15% of MSMEs having access to formal credit, we aim to bridge this credit gap by employing a phygital model (physical branches + digital decision-making).

As a technology and data-first company, tech and data enthusiasts play a crucial role in building the infrastructure at Optimo, and help the company thrive.

What we offer:

Join our dynamic startup team as a Full Stack Developer and play a crucial role in web application & API developments, customer journeys, tech integrations, building robust credit risk and underwriting decision engines, cloud infrastructure, and more.

This is an exceptional opportunity to learn, grow, and make a significant impact in a fast-paced startup environment. We believe that the freedom and accountability to make decisions in technology, software, system architecture, and other design aspects bring out the best in you and help us build the best for the company.

This environment will not only offer you a steep learning curve but also allow you to experience the direct impact of your technological contributions. In addition, we offer industry-standard compensation.

What we look for:

We are looking for individuals with strong proficiency in Python, React, and Django. Any experience in a startup, front-end/back-end development, tech-integrations, or open-source contributions will be highly valued.

We focus not only on your skills but also on your attitude and your hunger to learn, grow, lead, and thrive—both as an individual and as part of a team. We encourage taking on challenges, learning new technologies, understanding, building, and implementing them within a short period of time. Your willingness to put in the extra effort to build the best systems will be highly appreciated.

Skills:

Excellent proficiency with the ability to write clean, robust, production-level code. Experience in designing, developing, and maintaining web apps and rule engines is required. At least one year of experience as a developer in any engineering / software-based role is required.

1) Frontend Development

• JavaScript: Strong proficiency in JavaScript, including ES6+ features
• React: Experience building complex user interfaces using React and its ecosystem (e.g., Redux, Context API)
• HTML/CSS: Solid understanding of HTML5 and CSS3 for creating responsive and accessible web pages

2) Backend Development

• Python: Proficiency in Python for server-side development
• Django: Working knowledge in Django, Django Rest Framework
• Flask (or FastAPI): Experience building RESTful APIs using Flask or FastAPI is a plus

3) REST APIs: A strong understanding of APIs is required, along with prior experience in API development or integration. Writing REST APIs from scratch is highly desirable.

4) Databases: A basic understanding of both relational (e.g., PostgreSQL, MySQL) and NoSQL (e.g., MongoDB) databases is required. Basic knowledge of database management, optimization, and query design is expected.

5) Git: Proficiency in Git is essential, with experience in branching, merging, pull requests, and conflict resolution. Experience in collaborative projects using Git is highly valued.

6) Good to have: 

• Basic understanding of data pipelines/ETLs, dashboarding, and AWS is beneficial but not required.
• Experience in building WhatsApp chat/flow journeys, Working with maps, and creating data layers (e.g., Google Maps API, Mapbox) is highly valued. (not mandatory)

What you'll be working on:

1. Design and build systems focused on creating straight-through processes for lending (specifically property loans), from customer onboarding to disbursement, with an emphasis on accurate and efficient credit and risk assessment.
2. Take projects from ideation to production, including web applications, rule engines, third-party API integrations, and other technology developments.
3. Take initiative and ownership of engineering projects, ensuring a seamless user experience.
4. Manage and coordinate the cloud infrastructure and application setup, including source code repositories, CI/CD pipelines, servers, and deployments.

Other Requirements:

1. Availability for full-time work in Bangalore. Advantage for immediate joiners.
2. Strong passion for technology and problem-solving.
3. Ability to translate requirements into intuitive interfaces is highly appreciated 
4. At least 1 year of industry experience in a technical role specifically as a developer is a must.
5. Self-motivated and capable of working both independently and collaboratively.

If you are ready to embark on an exciting journey of growth, learning, and innovation, apply now to join our pioneering team in Bangalore.

Job Title: AI & Product Engineering Intern

Company: Optimo Capital (Nipun Projects and Finance Pvt. Ltd.) Location: Bengaluru, Karnataka (On-site / Hybrid) Duration: 4–6 months | Immediate / Rolling start Stipend: Based on profile

About Optimo Capital

Optimo Capital is an RBI-registered NBFC and India's first phygital Loan Against Property lender. We serve MSME business owners across 5 states, offering loans of ₹10L–₹2Cr with 4-day disbursal. Our tech team is actively building AI systems that redefine how lending operations work — from smart underwriting to autonomous calling agents to document intelligence and real-time property valuation.

What You'll Work On

You will be embedded in an early-stage fintech team working hands-on to make AI systems actually work in the real world — not in theory, not in demos, but in production. This means getting deep into existing projects — an autonomous AI calling system, an intelligent document extraction pipeline, and agentic AI frameworks — running experiments, figuring out what works and what doesn't, and iterating fast until it does.

Expect a lot of trial and error. Expect to think from first principles. Expect to question assumptions and find creative solutions to problems that don't have a textbook answer. The job is as much about curiosity and persistence as it is about technical skill.

Beyond the engineering, you will also be expected to think like a product person — understanding the business impact of what you build, owning parts of the product, and connecting the dots between what the AI does and why it matters to the business.

What We're Looking For

• Person with fundamental thinking in problem solving Currently pursuing or recently completed a degree in Computer Science, Mathematics, Statistics, or Engineering
• Solid programming fundamentals — Python, NodeJS etc and ability to learn new language if required
• Has shipped something: Internship, a project, a GitHub repo, a hackathon submission, or a research prototype that demonstrates end-to-end thinking
• Understands software systems beyond just writing code — APIs, data flows, system design at a basic level
• Can articulate the product reason behind technical decisions — not just "how" but "why"
• Comfortable working in ambiguity and taking ownership of open-ended problems

What Makes a Great Fit

We're looking for someone who reads about AI systems on weekends not because they have to, but because they're genuinely curious. You should be the kind of person who, when given a problem, immediately starts thinking about the product experience and the architecture simultaneously — and can hold both in your head at once. If you've built an LLM-powered tool, integrated a voice API, parsed messy documents, or simply gone deep on understanding how modern AI systems work under the hood — we'd love to talk.