PHP developers

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.

Must Have
- Stack: Wordpress, Javascript

Nice to have
- Experience in Affiliate Marketing and Lead Generation
- Some experience/knowledge in python is preferred.
- Building wireframes

• Work closely with product managers and engineers to design, implement, test and continually improve scalable frontend and backend services.
• Develop products using agile methods and tools.
• Develop commercial grade software that is user friendly and suitable for a global audience.
• Plan, create and execute (manual and automated) tests.
• Be involved and participate in the overall application lifecycle.
• Building reusable code and libraries for future use.
• Staying up to date with current technologies and providing insights on cutting edge software approaches, architectures, and vendors.

• Fluency in any one of JavaScript, TypeScript or Python.
• Strong problem solving skills. 
• Should have built large scalable enterprise applications from scratch.
• Strong experience in architectural patterns, High level designs.
• Experience in Nosql and SQL DBs.
•  

About Us:

At Product Fusion, we are dedicated to building innovative and scalable software solutions. Our team is passionate about leveraging cutting-edge technologies to drive product excellence and create impactful digital experiences. We invite you to join our dynamic team and contribute to our mission of technological innovation.

Job Description:

We are seeking a talented and motivated Full-Stack Developer to join our team. The ideal candidate will have a strong background in both front-end and back-end development, with proficiency in modern web technologies and frameworks. You will work closely with our development team to design, develop, and deploy scalable web applications.

Requirements:

• Proven experience as a Full-Stack Developer or similar role
• Strong proficiency in React JS or Next JS
• Solid understanding of Python and frameworks like Django or Fast API or Flask
• Proficiency in Tailwind CSS for front-end development
• Experience with PostgreSQL or MySQL databases
• Familiarity with Kubernetes for container orchestration
• Excellent problem-solving skills and attention to detail
• Strong communication and teamwork abilities

What We Offer:

• Competitive salary and benefits
• Flexible working hours and remote work options
• Opportunity to work with cutting-edge technologies
• Collaborative and innovative work environment
• Professional development and growth opportunities

We are looking for a PHP Developer with a minimum of 2 years of experience who is well-versed in the Laravel and CodeIgniter frameworks to join our team. As a PHP Developer, you will be responsible for developing and maintaining web applications and websites using PHP, Laravel, and other web technologies. You will work closely with the project manager, designers, and other developers to deliver high-quality, scalable, and maintainable solutions.

Responsibilities:

Develop, maintain, and troubleshoot web applications and websites using PHP and Laravel

Write clean, efficient, and well-documented code that adheres to best practices

Collaborate with project manager, designers, and other developers to deliver high-quality, scalable, and maintainable solutions

Participate in code reviews and ensure code quality and maintainability

Stay up-to-date with emerging trends and technologies in web development

Requirements:

Minimum 2 years of experience in PHP development

Strong experience with the Laravel and CodeIgniter framework

Knowledge of front-end technologies such as HTML, CSS, JavaScript, and jQuery

Familiarity with version control systems such as Git

Good understanding of web development best practices and design patterns

Excellent problem-solving and analytical skills

Strong communication and interpersonal skills

If you meet the above requirements and are interested in working with a dynamic and innovative team, please apply with your resume and a cover letter explaining why you would be a good fit for this role.

FULL STACK DEVELOPER

Skills Required:

• The ideal candidate should be hands-on, creative and passionate for new technology in Angular, NodeJS, AWS, MVC and enjoys collaboration, love software programming/coding and carries appetite for learning and sharing knowledge to make an impact on project delivery.
• Experts in multiple technologies such as Modern Java Script framework (preferably Angular 2 and above), Plain old Vanilla Java Script, MVC, jQuery, Web API, Node.JS, AWS, HTML, CSS etc. across software engineering, security, data interchange, data management (No Sql and Relational Database) etc.
• Must have good understanding of TypeScript, Materialized CSS, Sass, Less etc.
• Good to have Task Runners (Grant, Gulp, Webpack), Transpilers like Babel.
• Guide and mentor reporting team and create high performing technology teams.
• Monitor module progress and ensure regular publishing of status report and quality matrices to track the risks work to actively to resolve/mitigate the same.
• Solid understanding of the practical application of agile development methods and leading software development teams in an Agile/Lean/Continuous Delivery environment.
• Solid understanding and experienced of verson control systems like Git, GitHub, BitBucket, SVN etc.
• Should be passionate, voracious continuous learner who keeps up with the latest trends, tools, and technologies in the industry.
• Understands all times, technical depth and client expectation to maintain check on project health, monitors critical path items, risks and impact to timelines.
• Proficient communication/interactive skills

Key Skills:

Angular, MongoDB, Node.JS, MVC Architecture, HTML5, CSS, jQuery.

What you need to have: