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.

Skills Required : Angular7+, Javascript, CSS (Less/Sass), HTML5, Library development, Agile/Scrum, Team Management

Good to have: Experience with any backend technology- .Net/PHP/Laravel

Job Requirements :

- Should be able to design and implement complex technical requirements.

- Should be able to analyze and debug issues and blockers.

- Should unblock the team and help with solving critical issues and dependencies.

- Should be able to quickly analyze, organize, and abstract large amounts of information and to make decisions based on this analysis

- Should be able to provide creative solutions and out of the box thinking as the situation demands

- Should be able to influence and negotiate in technical discussions.

We are looking for a senior software engineer (Senior PHP Developer) to join our team. We are based on Bangalore in HSR Layout. 

Primary Skills : PHP, SQL. Having a strong grasp of Object-Oriented Programming (OOP)

Experience : Mid to Senior level (5 to 10 years)

Location : Bangalore, India

It also helps if you have one or more of the skills below :

• JavaScript
• Vue.js (or other modern front-end framework)
• Headless CMS
• Rest APIs
• Docker
• Linux
• experience with web services
• experience with CMS development

>>We develop headress CMS kuroco (product) and RCMS (product) with our Japanese partner, Diverta (https://www.diverta.asia/">https://www.diverta.asia/). This product is already established, with thousands of clients in Japan, including some major corporations.

>>We develop the product to add functions, write test cases, & add front-end/mobile app functionality (DevOps).

Product Details –

https://kuroco.app/">https://kuroco.app/

https://www.diverta.asia/">https://www.diverta.asia/

Nature of work/tasks :

– We develop products with web-service customizations as per end-client requirements.

– We have regular projects as well as a wide range of challenging projects such as those in the fields of deep learning, etc.

Salary – commensurate with experience & ability (higher than industry standard)

Work hours – 160 hours per month

Timings – flexible, between 9 AM-9 PM on weekdays (Saturday & Sunday holiday)

There is a system of leave encashment for engineers who worked more than the specified time.

***This is a full time job.***

This is not for a complete remote position, it is hybrid (At office 50% / Work from Home <after probation> 50%).

Please feel free to contact us.

Who We Are:

Polosoft helps brands solve complex challenges through our integrated development and services offering. Headquartered in Bhubaneswar with offices in Delhi & USA, our teams are connected by a set of core values that inform everything we do, from how we hire to how we work together: values like Everyone Matters, No Silos, and Masters of Our Craft.

At Polosoft, we are creating a new model for a new age client, and we are obsessed with measured impact. We combine digital, analytical, and creative capabilities with industry knowledge and experience. That means clients can bring us their biggest challenges, knowing we have what it takes to bring a new business vision to life.

Polosoft is growing fast; hence an entrepreneurial mind-set and the ability to multitask would be highly desired.

We are Looking For:

As a Full Stack Developer, you are constantly leveraging your technical skills and creativity. You have mastered front-end and back-end development, creating reliable, lightweight, malleable, and high-performing web & enterprise applications. You are fluent in core PHP and at least 1 MVC framework from Laravel and Codeignitor, comfortable using CLI in Unix/ Linux server environments. You are technologically agnostic, genuinely enjoy experimenting with new frameworks, and closely follow changes across the tech landscape.

This role is perfectly suited for people that love to learn because it requires you to continuously update your skillset and technical abilities. Staying up to date on new development tools, programming techniques, and industry trends is also part of the job. If you’re someone who loves logic and problem solving, then We are looking for You.

What You Will Do

• No day is the same - you will create technical designs that support varying client requirements.
• You will design and develop full-stack web applications using the latest web technologies, primarily Angular js and React js, Express js
• Write code that passes unit tests and withstands an agile and test-driven development environment.
• Leverage your skills in industry standard tools to deliver weekly code releases.
• You’ll work in a ‘no silos’ environment, frequently collaborating with global teams and roles across the organization.

Who You Are

Requirements

• You can build products from scratch.
• You have expertise in any one of the back-end frameworks (PHP 5.x/7.x with XAMP/LAMP Environment, Laravel, Codeigniter PHP web framework, Node js, Express js, etc.)
• You are fluent in these languages - PHP, Javascript, NodeJS
• You have Strong knowledge of Ui and UX

• You have dabbled in these front-end tools - HTML 5, Bootstrap 3.0/4.0, CSS 3.0, React js,Node.js Angular JS, JQuery
• You understand when to use NoSQL ( Mongo DB) vs. relational database (MySQL)
• You are comfortable to use any of the web services (REST/ SOAP/ XML)
• You are comfortable to use ecommerce tool like magento 1 and 2, Woocommerce,prestashop and other CMS tool like wordpress (plugin building),drupal  and Joomla
• You preferably have experience in working with GIT, SVN or similar SCM tools
• You must have done one of this payment gateway integration - Paypal/ Stripe/ Razor pay
• You are comfortable working up and down the stack.
• You can convert ideas into designs and build them out

Seniority Level

Mid-level 2-4 Years of Experience

CTC : 3 – 6 LPA

• 7+ years of overall software development experience. 

• Hands-on experience with backend languages like Python, Java and Javascript. 

• 2+ years of distributed cloud systems architecture. 

• Good understanding of SQL and experience in designing database structures. 

• Understanding of frontend development and frameworks at a high level. 

• High availability and fault tolerance systems design experience. 

• Test Driven Design practitioner and good understanding of unit Testing and comprehensive test suite building. 

• Customer focused with good analytical thinking and problem solving. 

• Metrics based progress monitoring and reporting capabilities. 

• Flexibility to interface with cross timezone teams. 

• Should have led cross-functional teams like frontend, backend, UI/UX, devops, QA, etc. 

• Experience in security practices for web applications. 

Note: Hands on experience in Angular is also must.

Responsibilities 

- Responsible to translate the design wireframe to WordPress/Opencart/Ecommerce frameworks with the help of Component, Plugins and modules.

- Knowledge of multiple front-end languages and libraries (e.g. HTML/ CSS, JavaScript, XML, jQuery)

- Knowledge of multiple back-end languages (e.g. C#, Java, Python) and JavaScript frameworks (e.g. Angular, React, Node.js)

- Responsible for handling WordPress and its components / plugins upgrade , customization / creation of web application and portal development independently.

- Should have a strong understanding of Logic and Data Structure.

- Passion for best design and coding practices and a desire to develop new bold ideas.

- Code and modify custom applications using CMS Platforms.

- Responsible for both back - end and front - end development , including Modifying WordPress themes and plugins.

- Strong MySQL database skills.

- Comfortable working with front - end technologies (HTML , CSS , Jquery , JavaScript)

- Experience of CMS like Wordpress , Opencart , Magento.

- The candidate should have a strong understanding of industry trends and content management systems.

- Experience with responsive and adaptive design is strongly preferred.

- Also , an understanding of the entire web development process , including design , development , and deployment is preferred.

- Having experience of WooCommerce Customization , WooCommerce develops / modify add - ons , WooCommerce API , Wordpress / WooCommerce Webhooks , WooCommerce Payment Gateway development and Wordpress API.