
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.

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Job Title: PHP/Laravel Developer with JavaScript (3–10 Years Experience)
Department: Engineering
Industry: Insurance / Fintech
Employment Type: Full-Time, Permanent
Job Summary
We are looking for an experienced PHP/Laravel Developer with strong JavaScript skills to work across the full stack. You will build scalable backend systems, interactive frontends, robust APIs, and use modern AI tools to speed up development. This role involves backend coding, frontend development, database design, and full-stack integration.
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- Build reliable PHP applications and REST APIs
- Write clean, maintainable Laravel code
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- Work with microservices and Docker-based environments
- Perform code reviews and maintain coding best practices
2. Frontend Development
- Develop responsive and modular web UIs using JavaScript frameworks
- Build interactive components using React, Vue, or Angular
- Work with modern CSS frameworks and preprocessors
- Implement SPA features like routing & state management
- Ensure browser compatibility and mobile responsiveness
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- Write optimized SQL queries via Eloquent ORM or Query Builder
- Implement indexing and performance optimization
- Work with SQL & NoSQL databases
- Manage migrations and ensure database stability
4. AI Tools & Productivity
- Use AI coding assistants (GitHub Copilot, Cursor AI, Tabnine)
- Integrate AI APIs (OpenAI, Claude) into applications
- Build AI-powered features and automations
- Use AI tools for debugging, refactoring, and code optimization
5. Full-Stack Integration
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Job Requirements
Must-Have (3–10 Years Experience)
Backend Skills
- Strong experience with PHP 8+ & Laravel
- Eloquent ORM, Query Builder, Blade, Middleware, Events
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- Redis/Memcached caching
- Queue management (Laravel Queues, Horizon)
- Working knowledge of Node.js
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- Strong JavaScript (ES6+, async/await, modules)
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- MySQL, PostgreSQL, Redis; MongoDB is a plus
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Develop and maintain web and backend components using Python, Node.js, and Zoho tools
Design and implement custom workflows and automations in Zoho
Perform code reviews to maintain quality standards and best practices
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Write clean, maintainable, and well-documented code
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4. Leadership Evaluation: Evaluate team collaboration and leadership abilities
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