SDET/ QA

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.

Requirements:

• Strong C/C++ programming and debugging skills in a Linux environment.
• Experience with Design Patterns, ACE Framework, and Socket Programming.
• Experience in Multi-threaded software development for Multicore Architectures.
• Experience in VOIP application development, preferably on client/server platforms.
• Understanding of system performance and scaling.
• Experience in embedded software development.
• Excellent problem solving/debugging skills design, develop, troubleshoot and debug.
• Software programs for databases, applications, tools, networks etc.

Job Description:

The Technical support analyst is responsible for troubleshooting & fixing the application & technical issues for our Clients with an exp. of around 0 - 2 yrs experience. 

Technical Support analyst must be able to assure complete Client satisfaction through all stages of the operations process. Must be able to establish and maintain strong relationships throughout the business process.

Key Responsibilities:

• Proactively connected with Clients.

• Resolving Technical issues in a timely manner.

• Training and educating Clients on our Products & Solutions.

• Assisting Software Engineers on issues.

• Providing feedback on product development in a timely manner. 

• Auditing error Plans to reduce rework with the aim of providing Scalable Products.

Skills and Specifications:

• Excellent Communication & Analytical Skills.

• Willing to work on US shift (Voice Process)

• Interpersonal Skills with a great attitude.

• Good Knowledge if Enterprise Applications, Systems & Technologies.

• Self-motivated; demonstrating the ability to achieve the Client satisfaction with minimal supervision

• Comfortable in the dynamic atmosphere of a technical organization with a rapidly expanding Client base.

• Organized, flexible and multitasking. 

• • Persistent with a team attitude.

• Should be atleast having 10 + years of exp with scaled startups / high growth startups
• Preferably have done 0-1 or 1-10 (build things from scratch in HR & have scaled it )
  
  

  Roles & Responsibilties

  Roles & responsibilities :

  • You will work closely with the senior most leadership and will be responsible to build and drive HR strategy across functions to foster organisation growth.
  • Create a conducive culture that enables the team to grow the organisation & themselves.
  • Set up policies and processes and create an employer brand in the market.
  • Leadership role with fast growing early age startup
  • Work closely with senior stakeholders in a high impact rol

  Experience and Qualifications

  • Overall 12+ years experience in HR post MBA from a reputed B-School.
  • Having worked in an online/ digital start up ecosystem is a must.
  • Experience working as a HR Business Partner, HR Operations, HR Generalist, TA etc.
  • Strong business acumen with experience managing a team and diverse stakeholders.

  What’s an offer

  An excellent opportunity to work with a well funded early age start up in their fast growing set up in a leadership role working closely with a strong leadership team of expert professionals.

At CLIRNET, we want to empower Doctors with progressive tools and services to deliver quality patient care which is accessible, affordable and equitable. CLIRNET is already a leader in this space, with over 2 Lakh registered physicians regularly using the platform. CLIRNET is now building a product in the video streaming OTT space for knowledge delivery. This position will have a role in ideating, researching and giving shape to this video streaming OTT platform.

Objectives of this Role :

- Drive the product planning process across cross-functional teams of the company

- Analyze product requirements and develop appropriate programs to ensure they're successful achieved

- Develop, implement, and maintain product timelines across multiple departments

- Appraise new product ideas and strategize appropriate to-market plans

Daily and Monthly Responsibilities :

- Drive the execution of all product lifecycle processes for products, including product research, market research, competitive analysis, planning, positioning, roadmap development, requirements development, and product launch

- Translate product strategy into detailed requirements for prototype construction and final product development by engineering teams

- Manage the product development process from conception through design, build, release, analysis, and iteration

- Be a critical voice of the user within CLIRNET.

- Create product strategy documents that describe business cases, high-level use cases, technical requirements, revenue, and ROI

- Analyze market data to develop marketing strategies, and define product objectives for effective marketing communications plans

- Collaborate closely with engineering, production, marketing, and sales teams on the development, QA, and release of products and balance of resources to ensure success for the entire organization

Skills and Qualifications :

- 2-4 years of experience in product in a B2C consumer internet company with a background in technical product management or web engineering.

- Strong quantitative capabilities, and experience using analytics platforms to understand product usability.

- Familiarity with APIs, documentation, web system architecture

- An understanding of what makes for good user experience and beautiful design.

UX Designer with focus on research - a research-based role who would work alongside the product manager and the design team to assess the markets, competitors, user behaviour & preferences and USPs. Primarily, the role would be to gather the problem statements and requirements from the client and understand what needs researching and designing.

• Translate ideas into concepts, user flows, wireframes, and prototypes that lead to intuitive user experiences.
• Work with a cross-functional team of engineers, content writers, and product managers to anticipate and identify user needs and align product goals with the user's goals.
• Come up with features and improvements that you can ship quickly and measure for effectiveness.
• Design and discover workflows that allow you to test designs early and often, and then iterate upon feedback.
• Identify new product opportunities, inform launch decisions, and product improvements.
• Use and evolve our internal design libraries and design system.
• Work closely with engineers and other partners to ensure what is shipped is true to your design work.
• Help with hiring and establishing a design culture within the company by evangelizing thoughtful design and its impact on the bottom-line.
• Directly contribute to the overall product and design direction of the whole company.

• You have an online portfolio that documents your work and thinking process - or a PDF would do too. (If not, you might be asked to take a design assignment)
• You have a high bar for your work and the team.
• Strong empathy for users
• You have solid Visual Design, UI, and Interaction Design chops.
• You are someone who cares deeply about getting to the root of the problem you're solving and take time to understand all the facts before making informed design decisions.
• You engage complexity head-on before simplifying.
• You have a strong bias for action when it comes to prototyping to help facilitate better product discussions.
• You understand the balance between craft, speed, and impact on the bottom line.

Responsibilities and qualifications

• 5+ years of Android development experience
• Will own several parts of our tech stack, but primarily our Android app
• Build new functionality to the Android app and regularly re-architect it to keep up with latest technologies (e.g., Kotlin)
• Work on new tech that we are already a leading user of (e.g., Google Firebase)
• Work closely with the backend team to construct creative solutions
• Optimize, improve efficiency, scalability, stability of application
• MUST BE reliable, and be able to communicate clearly
• MUST BE able to own and deliver their own work within deadlines, professionally
• Should be passionate about building a strong engineering culture

Bonus Points for experience building high-scale applications, SDKs and other web technologies (like JavaScript).

Who we are

• Fast growing Chennai-based startup (with venture funding)
• Led by strong engineers with significant experience at top tier firms like McKinsey, Oracle, Morgan Stanley, and authors of multiple Java Standards
• Building an awesome product already used by Swigg etc.
• Raised investment, so this role will not vanish in a few months
• Mentors include the Vice Chairman of HCL, Chairman of Singapore Airlines, Senior leaders from LinkedIn etc.

Other background information

• Looking for strong, passionate developers who want to join our team and grow
• We move fast, and will make you an offer in a few days for the right person
• The job location will be in Chennai (it is the SaaS capital of India)
• Please only apply if you are open to moving to Chennai (or are already here)
• This won't be a 10 - 6 job, but you will be given amazing responsibilities
• You will learn a ton, have a lot of flexibility, and have fun while doing it!

Job Perks

• Daily breakfast
• Friday team lunches
• Macbook 
• Office near beach (for when people return after COVID)
• Potential for stock options (in lakhs)
• Stipend to attend conferences
• Potential travel to Singapore and other client locations