PHP
LaravelSoftware 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.
Shubham Vishwakarma
Full Stack Developer - Averlon
About Neenv Financial Technologies Pvt Ltd
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Job Description:
We are looking for an experienced Full stack Engineer with 3-7 years of programming experience in a product development team. You are in top 5% of your field, and are passionate about creating new products and innovative code.
We are building a solution that deploys elements of tokenization using blockchain, ML driven portfolio selection and risk management, and a proprietary alternate secondary market for illiquid securities. You will work on relevant and cutting-edge technologies.
Key Requirements
- BE/ BTech or MTech/ Dual degree in Computer Science/Software engineering or similar from a tier 1 institute
- Fullstack development (Node.js or Python + React + React Native + GCP/AWS)
- Writing clean, semantic HTML, CSS working across all popular browsers
- Experience with typescript
- SQL/NoSQL database design, management and optimization
- Good at Functional style programming
- You have worked with and built REST APIs & GraphQL
- Experience with continuous deployment, familiar with AWS and Devops
- Experience implementing tests at all levels – unit, integration, E2E. TDD believer.
- Strong fundamental knowledge of algorithms, data structures, design patterns and network protocols.
- Previous work experience of at least 2 years in a similar role with an established startup
- Ability to deep dive into problem-solving and build elegant, maintainable solutions to complex problems
- Excellent interpersonal skills
- Deep knowledge of at least one backend frameworks
What we offer:
- Excellent fixed compensation with milestone linked bonuses
- Flexible work hours, family-friendly
- Independent work culture, no micro management
- Significant ESOPs in a fast-growing startup
JavascriptPythonPHPLaravel
Ruby
We are looking for a full stack developer to produce scalable software solutions.
As a full stack developer, you should be comfortable around both front-end and back-end coding languages, development frameworks and third-party libraries. You should also be a team player with a knack for visual design and utility.
If you’re also familiar with Agile methodologies, we’d like to meet you.
Responsibilities:
- Developing front end website architecture.
- Designing user interactions on web pages.
- Developing back end website applications.
- Creating servers and databases for functionality.
- Ensuring cross-platform optimization for mobile phones.
- Ensuring responsiveness of applications.
- Working alongside graphic designers for web design features.
- Seeing through a project from conception to finished product.
- Designing and developing APIs.
- Meeting both technical and consumer needs.
- Staying abreast of developments in web applications and programming languages.
Requirements:
- Degree in Computer Science or related field
- Strong organizational and project management skills.
- Proficiency with fundamental front end languages such as HTML, CSS and JavaScript.
- Familiarity with JavaScript frameworks such as Angular JS, React and Amber.
- Proficiency with server side languages such as Python, Ruby, Java, PHP and .Net.
- Familiarity with database technology such as MySQL, Oracle and MongoDB.
- Excellent verbal communication skills.
- Good problem solving skills.
- Attention to detail.
Reporting directly to the Founder
The job requires a great deal of responsibility early on, but we're working on something exciting and there's lots of opportunity of growth and learning.
The job is full-time, remotely based, and with flexible hours.
PHPLaravelNodeJS (Node.js)AngularJS (1.x)
Follow CutshortShubham Vishwakarma
Full Stack Developer - Averlon