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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.

Role/ Job Title: Senior Technical Architect

Business: New Age

Function/ Department: Information Technology

Place of Work: Pan India

Job Purpose:

Senior technical architect will make sure that technologies function simultaneously and transforming specifications into design and architecture documents utilized by the team to create solutions. Managing the implementation of programs. Coordinating with the software development team to ensure the system runs smoothly.

Roles & Responsibilities:

• Manage one or more Applications Development teams in an effort to accomplish established goals as well as conduct personnel duties for team (e.g. performance evaluations, hiring and disciplinary actions)
• Utilize in-depth knowledge and skills across multiple Applications Development areas to provide technical oversight across systems and applications
• Review and analyze proposed technical solutions for project
• Understand the business strategy and help clients to define the solution with technology
• Assess the impact of the business strategy on the architecture landscape, including organization, information and infrastructure and applications.
• Implement tech roadmap, architectural principles, standards, policies, and solution governance for effective data technology delivery
• Guide smarter technology investments by recommending changes in data systems, infrastructure, process, and IT tools architecture
• Serve as point of contact and review for key issues and decisions for all technical architecture related to strategic projects.
• Providing technical support for installation, configuration, and troubleshooting of computer networks
• Developing and managing project budgets and timelines

Secondary Responsibilities:

• To assist in defining the team's technical strategy and advising on product roadmaps and migration plans to achieve strategic goals
• Produce progress reports
• Monitor systems to ensure they meet both user needs and business goals

Managerial & Leadership Responsibilities:

• Attract and retain best-in-class talent for key roles in their reporting structure
• To plan for team growth considering the skills required within the technical architecture team and to assist in resourcing decisions.
• To drive consistent standards and approaches throughout the team, building an environment that encourages continuous improvement and innovation.
• Mentor Business Architects and Analysts

Key Success Metrics:

• Deliver & effectively track all the deliverables
• Quality of processes
• Track improvements

Qualifications: Graduation: Bachelor’s in engineering / technology / mathematics / commerce / arts / science / biology / business / computers / engineering / management. 

Experience: 10 to 18 Years.

IT Senior Manager Requirements:

• A bachelor's degree in computer science or a related field.

• A master's degree in computer science is preferred.

• Proof of continued education, such as software certifications, is desirable.

• Experience with ERP, CRM, Business Intelligence, Warehouse Management (WMS)/Supply Chain Management (SCM), Cloud Storage (Azure/AWS), DAM, MS 365, Marketing Automation and other business applications

• Knowledgeable in successful API integration of CTI and other communication technologies like whatsapp with business applications

• Identifying vendors, developing SOW and wireframes, successfully managing projects to completion for Websites (js/node/react/shopify/wordpress etc) and application development

• Use of low code/no node application development in MS platforms would be desirable

• At least 3 to 5 years of experience.

• Excellent written and spoken communication and interpersonal skills.

• Strong leadership and project management skills.

• Solid analytical and problem-solving skills

Overseeing all technology operations including Software, Networking, Hardware and Security along with evaluating them according to established goals.

• Devising and establishing IT policies and systems to support the implementation of strategies set by upper management with plans for redundancy, zero to no downtime and constantly improving business operations and processes

• Analyzing the business requirements of all departments to determine their technology needs.

• IT Head manages and supervises an organization's technical operations which includes overseeing IT department employees and ensuring all technology. systems and applications support the organization's goals and objectives.

• IT Head should have in-depth knowledge of new software development, be able to prepare Wireframe design & Architecture, able to design and describe SOW for all new IT software development.

• Overseeing all IT operations infrastructure.

• Developing, implementing, and evaluating IT projects in line with organizational objectives.

• Liaising with other departments to determine and address their IT needs and requirements.

• Managing and supervising employees in the IT department.

• Ensuring the maintenance of current projects and technology systems. • Identifying vulnerabilities, the need for upgrades, and opportunities for improvement.

• Proposing strategic solutions and recommending new systems and software.

• Preparing financial budgets and performance reports.

• Building and maintaining relationships with external advisors and vendors.

• Ensuring reported issues are resolved promptly

• Should have experience researching problem statements and designing solutions that meet the desired UX goals and stakeholder requirements

• Should be able to rapidly prototype ideas; pen and paper will do for mockups. Should be familiar with prototyping tools or front end code for higher fidelity prototyping

• Good communication skills. Must be able to communicate idea to all stakeholders product, engineering and design

• Must have average above average knowledge of the Adobe Suite

• Must be able to look at the product as a whole to design workflows that scale

• Must be able to measure UX changes and suggest further improvements

• Should be able to build UI components that meet the desired UX. Should be able to understand and respect the UX

• Should follow the style guide and design according to the guidelines

• Understanding of typography, typographic grid, grid based systems, design frameworks and responsive design principles is required. Should be able to adapt and extend the style guide as required and define new UI components when needed

• Should be able to build reusable UI components

• Good communication with the product and engineering teams to assess feasibility of UI components

• Experience with motion/interaction design a plus

• Must know the Adobe Creative Suite well. Must also be familiar with prototyping tools