Full Stack Developer

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.

Job Description

Position -   Full stack Developer

Location - Mumbai

    Experience - 2-5 Years 

Who are we

Based out of IIT Bombay, HaystackAnalytics is a HealthTech company creating clinical genomics products, which enable diagnostic labs and hospitals to offer accurate and personalized diagnostics. Supported by India's most respected science agencies (DST, BIRAC, DBT), we created and launched a portfolio of products to offer genomics in infectious diseases. Our genomics based diagnostic solution for Tuberculosis was recognized as one of top innovations supported by BIRAC in the past 10 years, and was launched by the Prime Minister of India in the BIRAC Showcase event in Delhi, 2022.

Objectives of this Role:

• Work across the full stack, building highly scalable distributed solutions that enable positive user experiences and measurable business growth
• Ideate and develop new product features in collaboration with domain experts in healthcare and genomics 
• Develop state of the art enterprise standard front-end and backend services
• Develop cloud platform services based on container orchestration platform 
• Continuously embrace automation  for repetitive tasks
• Ensure application performance, uptime, and scale, maintaining high standards of code quality  by using clean coding principles and solid design patterns 
• Build robust tech modules  that are Unit Testable, Automating recurring tasks and processes  
• Engage effectively with team members and collaborate to upskill and unblock each other

Frontend Skills 

• HTML 5  
• CSS framework  (  LESS/ SASS / Tailwind ) 
• Es6 / Typescript 
• Electron app /Tauri)
• Component library  ( Bootstrap , material UI, Lit ) 
• Responsive web layout ( Flex layout , Grid layout ) 
• Package manager --> yarn-/ npm / turbo
• Build tools - > (Vite/Webpack/Parcel)
• Frameworks -- > React  with Redux of Mobx / Next JS
• Design patterns 
• Testing - JEST / MOCHA / JASMINE / Cypress)
• Functional  Programming concepts  
• Scripting  ( powershell , bash , python )

Backend Skills 

• Nodejs - Express / NEST JS 
• Python /  Rust
• REST API 
• SOLID Design Principles
• Database (postgresql / mysql / redis /  cassandra / mongodb ) 
• Caching  ( Redis ) 
• Container Technology  ( Docker / Kubernetes )  
• Cloud ( azure , aws , openshift, google cloud) 
• Version  Control - GIT 
• GITOPS 
• Automation ( terraform , ansible ) 

Cloud  Skills 

• Object storage
• VPC   concepts 
• Containerize Deployment
• Serverless architecture 

Other  Skills 

• Innovation and thought leadership
• UI - UX design skills  
• Interest in in learning new tools, languages, workflows, and philosophies to grow
• Communication 

To know more about us- https://haystackanalytics.in/

The ideal candidate should be able to build the front-end and back-end up from conceptualization and business requirements to a fully functional, responsive & intuitive user interface.

Technology Stack -

• Backend Coding PHP

• Framework - Laravel

• MySQL

• HTML5/ CSS/ Javascript/jQuery/Ajax etc

Responsibilities:

• Developing web applications and services using Agile development methods.

• Contribute to organization for improvements in process and infrastructure.

• Code, test and operate Laravel based services.

• Effectively use tools and ingenuity to identify and fix defects before they become a problem.

• Integration of user-facing elements developed by front-end developers with server-side logic.

• Writing reusable, testable, and efficient code.

• Design and implementation of low-latency, high-availability, and performant applications.

• Implementation of security and data protection.

Responsibilities and Duties:

• Designing and implementing new features and functionalities.
• Technical help in resolving the support requests.
• Creating and maintaining documentation of the work.
• Design & develop web based applications using PHP/MySQL
• For more details visit website
• Requirements and qualifications:
• Proficient in MySQL, PHP, JavaScript, HTML & CSS.
• Comfortable working with debugging tools like Firebug, Chrome inspector, etc.
• Knowledge of how to interact with RESTful APIs and formats (JSON, XML)
• Experience in creating WordPress plugins from scratch.
• Experience in writing test cases.
• Collaboration with the team.
• Manage project tasks, timelines, and communication.
• Write efficient, robust, and reusable code while adhering to WordPress coding standards.
• Object-oriented programming.
• Knowledge of developing web based applications using PHP/MySQL

Desired Candidate Profile

• Strong PHP/MySQL capabilities.
• Passion for programming
• Sound coding logic and analytical ability to design test scenarios and debug issues
• Keen interest in research about the latest web technologies and advancements
• Enthusiasm to learn new technologies and incorporate them into the new offerings/solutions
• Good capabilities in HTML, CSS, Javascript.
• Exposure in Coding frameworks or CMSes.
• Ability to work in teams.
• Ability to learn fast. Good communication skills