Senior 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.

Developer – Full stack

·        Full stack development experience for 1-2 years

·        Implement new application features and improvements to existing features based on defined project requirements.

·        Experience with React or Angular framework

·        Familiarity of HTML5, CSS3, and JavaScript skills.

·        Experience developing server side applications in at least Java 8.

·        Experience with Spring Boot and REST APIs.

·        Collaborate with cross-functional teams to design, develop and deploy new features and applications

·        Ability to write and optimize SQL queries and database performance tuning

·        Familiar using source control systems, preferably Git.

·        Troubleshoot and resolve application bugs

·        Passionate about developing high quality code that has been thoroughly tested.

·        Strong written and verbal communications skills.

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

·        Implement automated testing and continuous integration and deployment processes

·        Ability to learn quickly.

Good to have skills

·        Python, Flask, Fast API knowledge

·        Cloud knowledge – preferably AWS

·        Understanding of graph database

·        Familiarity with containerization technologies such as Docker and Kubernetes

Roles and Responsibilities 

1) Understand client requirements and functionalities. 

2) Write well-designed, testable, efficient code. 

3) Responsible for solving complex technical issues. 

4) Ensure quality projects are delivered within defined timelines. 

5) Active involvement in client communication to understand functional requirements. 

6) Maintain high standards of quality for code, documentation and other deliverables. 

Required Skills 

1) Good experience in Angular/React

2) Hand on Node.JS./Express JS 

3) Database : MYSQL/MongoDB 

4) Experience in Java Script, Typescript. 

5)Good experience in HTML5, CSS3, JavaScript, Jquery 

6) Experience working in an Agile environment. 

7) Good communication skills.

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Work Location: Remote

Work Experience : 3 to 7 years

(Minimum 2.5 years of experience into MERN Stack)

Immediate Joiner Preferred.

We are looking for a Full Stack Web Developer (MERN Stack). Passionate about programming end to end, i.e both frontend and backend modules and applications. Open and keen to learn new technologies.

Job Description

• Develop interactive, user-friendly applications using the latest frameworks
• Translate designs and wire-frames into high quality and responsive screens
• Developing Front-End and Back-end Web Application
• Creating servers and databases for functionality
• API design, creation and integrations
• Staying abreast of developments in web applications, app development and programming languages.

Desired Candidate Profile

• Must have strong knowledge of Object-Oriented JavaScript
• Experience building applications in React and Node.js
• Design, modify, develop, test and implement flawless and clean code
• Experience with MongoDB and MYSQL
• Good knowledge of coding standards, design patterns and unit testing.
• Experience in API design and development
• Expertise in building secure, scalable & reliable systems
• Understanding of libraries like Next.js, Jquery, Adonis.js(optional)
• Good knowledge of CSS and HTML
• Experience working with GIT
• Experience with RESTful APIs

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.