.NET Developer (Agile/SCRUM)

Software Engineer - Lending Platform

2 - 5 years Experience · Seed Stage · On-site preferred · Mumbai

What Neenv Is

Neenv is a fintech platform building channel finance infrastructure for MSME dealer networks in India. We sit between anchor companies and their dealer ecosystems, providing the credit technology layer while lending partners provide the capital.

The platform powers four supply chain finance products: Channel Financing, Working Capital Loans, Factoring, and Supplier Financing. The lending engine is configuration-driven. New products, rate changes, new anchors, new lenders -- config changes only.

What Problems Are We Solving

India runs on dealer networks. Hundreds of thousands of distributors, resellers, and stockists sit inside large corporate supply chains - buying from anchors, selling downstream, keeping markets liquid. These are creditworthy businesses. Their anchor relationships are essentially proof of cash flow. And yet they are chronically underfinanced.

Banks are too slow. Informal credit is expensive. The anchor relationship that makes a dealer viable is invisible to traditional lenders.

We are building the infrastructure to change that. A configuration-driven lending engine for channel finance - powering working capital credit to dealer networks at scale, with the anchor relationship as the underwriting signal.

Who You'll Be Working With

The founding team brings over 50 years of combined banking and channel finance experience. Founders with 25+ years each in client coverage, trade finance, risk management, and SCF sales across Standard Chartered and IDFC First Bank - having collectively managed over $1Bn in channel finance assets with sub-1% delinquency.

The CTO brings solid supply chain finance fintech experience with a product-first, AI-native approach to lending infrastructure.

You are not joining a first-time experiment. You are joining people who have spent careers building exactly what Neenv is now automating.

What Makes Your Role

We have a production lending infrastructure in place. It handles loan origination, repayment waterfalls, interest accrual, payment processing, ledger management, and multi-product configuration. You will own this platform end to end.

Understand the codebase end to end. Drive every config change, every extension, every integration. Be the person who can answer "can the system do X?" without waiting for anyone.

That is the first act.

The second act: we are building AI-native lending workflows. A credit decisioning agent that processes bureau reports, bank statements, GST data, and ITR. A collections agent that automates follow-up and escalation. Ops agents that handle accruals, month-end, lender reporting, and anomaly detection.

You will design this architecture from day one.

What Works Well Here

Someone who gets uncomfortable when they don't fully understand a system. Who reads error logs with curiosity. Who treats financial logic correctness as non-negotiable. Who can hold a product conversation and a technical conversation in the same breath.

If you have built something non-trivial and can explain every decision you made, that is the signal.

What You Need

• PHP and Laravel -- solid working proficiency
• Python -- working proficiency for AI agents, data processing, integrations
• SQL and relational database design -- financial data where a paisa-level rounding error is a production bug
• API design and third-party integration patterns -- REST, webhooks, handling flaky vendor APIs
• LLM and agent workflows -- curiosity or working familiarity. Strong signal if you have built with Claude, GPT, or any agent framework
• Fintech, NBFC, or any domain where data accuracy has real consequences

What We Are Offering

Fixed salary, competitive for early-stage fintech in Mumbai. Direct founder access. Ownership over a production lending system and the AI layer being built on top. For the right fit, a clear path to owning the entire technical stack as we scale.

We cannot offer a large team, defined career ladders, or a 500-person safety net. We can offer a genuinely hard problem, speed, and the chance to build something that matters from nearly the beginning.

About Apexon:

Apexon is a digital-first technology services firm specializing in accelerating business transformation and delivering human-centric digital experiences. For over 17 years, Apexon has been meeting customers wherever they are in the digital lifecycle and helping them outperform their competition through speed and innovation. Our reputation is built on a comprehensive suite of engineering services, a dedication to solving our clients’ toughest technology problems, and a commitment to continuous improvement. We focus on three broad areas of digital services: User Experience (UI/UX, Commerce); Engineering (QE/Automation, Cloud, Product/Platform); and Data (Foundation, Analytics, and AI/ML), and have deep expertise in BFSI, healthcare, and life sciences.

Apexon is backed by Goldman Sachs Asset Management and Everstone Capital.

To know more about us please visit: https://www.apexon.com/

About the role:

• Experience: 7+ years of experience building modern web applications working in the fullstack
• Proficiency in TypeScript and JavaScript with a thorough understanding of React.js or Vue.js and their core principles preferred
• Implementing RESTful APIs using .Net/C# preferred with experience with .Net Core, .Net 5 or 6 a bonus!
• Experience with SQL and relational database design with MS SQL Server experience is added advantage
• Experience with NoSQL/document database technologies
• Experience writing automated unit tests in the full stack environment
• Knowledge of modern authentication and authorization mechanisms
• Familiarity with modern front-end and backend build pipelines and tools
• Experience with common front-end development tools such as Babel, Webpack, NPM, etc.
• Experience with modern responsive web application design & development Familiarity with Node.js
• Experience with microservice architecture
• Experience using Git version control
• Experience with VS Code, Visual Studio, or other relevant development tools
• Familiarity with Scrum/Agile principles
• Strong communication skills
• Ability to understand business requirements and translate them into technical requirements.
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Required skill set:

• Candidate must be good in JavaScript and have experience in at least one modern JavaScript framework such as Vue/Angular/React. But must be willing to work in Vue/React.
• Must have experience in .NET Framework. Good to have experience in .NET Core/.NET 5/6/7. But must be willing and capable enough to learn .NET Core.
• Should be able to work independently with minimum supervision.
• Must be good in programming concepts such as OOPS, Unit Tests, Web API, SQL, etc

Key Responsibilities:

• You will be acting as part of a team to develop software solutions using Scrum methodology in 2-week sprints.
• Turn user stories, feature requests and defect reports into quality software changes for our customers.
• Develop software solutions by conferring with product owners, understanding system behavior, and proposing solutions while following the software development lifecycle.
• Design, develop, modify, implement, and support software components anywhere in the software stack.
• Determine root cause for the most complex software issues and develop practical, efficient, and permanent technical solutions.
• Remain current on new technologies and available vendor packages. Evaluate and make recommendations as necessary.
• Participate in Scrum development process and work towards continually improving the process.
• Determine process improvements, best practices, and develop new processes.
• Work in close partnership with cross-functional teams and management.

Ideal Experience:

• Extensive experience in design, development and testing of web-based enterprise systems using .NET technologies.
• Experience with Azure Cloud technologies and SaaS product development.
• Excellent communication skills both written and verbal
• A desire to solve complex problems with elegant solutions
• The ability to work well with a team of motivated, smart people

• FULL-STACK PHP/MySQL development in CODEIGNITOR FRAMEWORK (LARAVEL, ZEND, CAKE, SYMPHONY frameworks acceptable) using AGILE METHODOLOGY
• Cross-functioning with our product development team wherein you’ll tackle complex tasks and transform them into intuitive, accessible and easy-to-use UIs and API interfaces
• Follow the coding guideline standards to ensure a bug free code as per industry norms
• Complete unit testing of the code before sending it for review
• Participate in the complete agile software delivery cycle, including development, testing, troubleshooting etc.
• Participate in process improvement program to improve the overall quality of the delivery process.
• This role offers good exposure in E-COMMERCE SEGMENT with HIGHLY SCALABLE design solutions
• Min of 3 years of relevant experience in PHP/MySQL using CODEIGNITOR framework development is a must (exposure to LARAVEL, ZEND, CAKE, SYMPHONY framework is acceptable)

• Proven knowledge of PHP/MySQL stack using CODEIGNITOR (preferable) framework for FULL-STACK development
• Responsive Front End Designs with adaptability to various screen sizes
• Scalable Back-End design architecture with DBMS and Caching
• Familiarity with REST web services and RESTful APIs. Knowledge of SOAP would be an added advantage
• UI design principles, patterns, and best practices, preferably MVC, MVVM, MVP
• Good knowledge of MySQL, JS/JQuery for database management
• Proficiency in code versioning tools/Source Code Repositories like GIT, SVN
• Experience with offline storage, threading (AJAX), and performance tuning
• Agile/Scrum methodology using JIRA or any agile tool
• Knowledge of the open-source PHP ecosystem, OOPs and the libraries
• A knack for benchmarking and optimization
• Familiarity with continuous integration

• Self-learner with passion for learning new technologies along with a creative problem-solving approach
• Strong communication skills (verbal & written)
• Should be adaptable to new ideas and have an out of box thinking approach
• Effective interpersonal communication skills in a highly collaborative team environment

• 2-5 years of relevant experience
• B.E/ B. Tech/ M. Tech in Computer Science/ Electronics Communication/ IT engineering
• M.Sc. (Computer Science or IT)/ MCA from a reputable institute
• Good communication in written and spoken English

Location – Kochi

Must have experience in . ASP.Net MVC, NET Core, C#, JavaScript, JQuery, SQL

*Knowledge in Power BI would be a add on.

* Experience in upgrading, configuring and debugging existing systems 

* Providing technical support for web, desktop and mobile applications

*Proficient in writing clean, scalable code using .NET programming languages

*Develop documentation throughout SDLC

*Serve as an expert on applications and provide technical support

*Revise, update, refactor and debug code to improve existing software

* Analytical mindset & problem solving aptitude & implementing the best solution as per needs

* Superior communication skills as the role involves daily client interactions

• Develops applications using C#, .NET, JavaScript, and the Microsoft suite of technologies.
• Participates in software development on daily basis. Helps collaborate with peer junior developers in the team.
• Participates in design and development activities on daily basis.
• Develops within & leverages integration technologies like Azure IOT hub, service bus, etc.
• Recognizes synergies & functionality across multiple technologies, and leverages them as appropriate
• Reviews and analyzes business requirements and provide technical feasibility and estimates
• Creates technical documents for software products using Visio, PowerPoint, Word, and other MS Office applications.
• Participates in all Scrum ceremonies: Sprint Planning and Estimation, Daily Stand-ups, Sprint Reviews, and Sprint Retrospectives.
• Translates technical requirements into application code and modules
• Makes modifications to existing applications and modules in accordance with written user stories
• Unit tests and works closely with the QA/Testing team.
• Troubleshoots and resolves issues in a timely fashion, communicating updates as determined until the issue is resolved
• Works closely with the team to help identify the root cause and implement solutions to reduce the recurring defects and issues
• Takes part in code reviews and reviewing the work of colleagues
• Works with developers to maintain a standard release plan, including code check-in processes & solution management

Basic Qualifications:

• 8+ years experience working in an IT environment
• 3+ years experience as a senior software developer.
• 5+ years experience as a software developer or senior developer.
• 5+ years experience as a software developer using the following development languages: C#, .NET
• 2+ years experience in Microsoft Azure.
• 2+ years experience using Microsoft Azure Dev Ops
• 5+ years experience using Microsoft Visual Studio
• 2+ years experience using a relational database (e.g. Microsoft SQL Server, Oracle, etc.)
• 6+ months experience using Azure Cosmos DB or a NoSQL database
• Demonstrated project experience regarding estimates, planning, and deliverables with a high degree of accountability
• Proven ability working with business, engineering, and R&D teams to translate needs to Application Development teams
• Excellent communication skills

Preferred Qualifications:

• Bachelor’s degree in a technical area or equivalent
• Experience working in a multi-technology environment is a plus
• Strong analytical and problem-solving skills
• Experience in IoT environments
• Experience developing mobile solutions
• 2+ years of experience with Angular, client-side JavaScript framework.
• Experience using PI OSIsoft (PI OSIsoft API and/or PI AF SDK)
• Strong knowledge of a variety of software development methodologies (Agile, Waterfall, Scrum) and an understanding as to when each of these approaches is most suitable 
• Experience in working in a methodical and structured manner.
• Excellent communication skills: presentation, written, and oral.
• Strong interpersonal skills to successfully team with software vendors, outsourcing partners, and internal business and IT associates.
• Must be able to perform as an effective member in a team-oriented environment, maintain a positive attitude, and achieve desired results while working with minimal supervision
• Enthusiasm for learning new skills and technologies, and passion for conveying knowledge
• Excellent organization skills
• Prior experience working with global development teams

• 6-13 years’ experience designing for high performing digital products across various domains
• Degree in design-related field or equivalent experience.
• Good understanding of design patterns, industry trends, and great approaches to solve problems
• Expertise in core UX disciplines including information architecture, interaction design, application of design systems, and UI design.
• Creative problem-solver with a strong eye for detail
• Experience and understanding of Responsive Web Design
• Experience with iOS and Android Mobile App Design
• Must have Software Proficiency with Figma, Sketch, Miro
• Proficient in wire-framing and comfortable producing concept sketches and user flows
• A passion for UX and User Research
• A strong portfolio which demonstrates work across a range of clients
• Strong experience of user research and usability testing
• Passionate about Design Thinking.
• Excellent verbal and written communications skills.
• Experience with accessibility, localization, and internationalization.
• Experience working directly with developers to ensure the successful implementation of a design specifications
• Familiarity with content strategy, content management, taxonomy and large scale digital publishing.
• Knowledge of HTML, CSS, and JavaScript.
• Knowledge with QA and testing methods is a plus.
• All candidates will be required to submit a portfolio of work samples and/or links to their work.

Qualification

• Bachelor / Masters degree in Computer Science or Computer Engineering
• 5+ years of professional experience in software development

A good team player with expertise working as part of Agile teams. Hands-on experience in practising Scrum, XP and Kanban.

• Strong hands-on experience in web development using ASP.NET MVC and C#.
• Usage of SQL and no SQL databases
• Hands on experience in test-driven development and DevOps practices
• Strong design capabilities, following SOLID principles using C#
• Well-versed with pair-programming
• Working on solutions hosted in cloud environments (AWS or Azure)
• Implementation of Continuous Delivery processes
• Usage of Git
• Good understanding of Behaviour-driven development and domain-driven design

The following would be beneficial:

• Working in the travel and hospitality domain including:

• .Net core 2.0, Web API
• Scripting Languages like Typescript or JavaScript
• Frontend: Angular7
• Automating business processes
• Integration with 3^rd party systems
• Customer management, including CRM solutions
• Content management
• SEO
• Booking and post sales flows, web and mobile solutions

Are you interested in working from home office?

• Comprehensive experience working with remote teams
• Excellent communicator
• Self-managed
• Open to travel to Pune office occasionally

Responsibilities

• Contribution to the product roadmap in one-week sprint model
• Helping your team to deliver at high velocity
• Practice and promote Agile practices
• Continuously learn and deliver incremental business value
• Use Continuous Delivery Practices
• Select the best tools to solve the problems at hand
• Mentor junior team members
• Effective collaboration and removal of silos
• Build high availability solutions.
• Development of asynchronous and/or multi-tiered scalable applications

Job Location Pune

• Are you a software craftsman and passionate coder with a proven track record of successful deliveries?
• Are you interested in a high growth career opportunity and enjoy building software that brings smiles to our customers?

Then you are someone who will enjoy this incredibly challenging role with us.