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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.

Strong Transaction associate profile

Mandatory (Experience 1): 6 months+ of exprience in documentation (Open to fresh graduates / entry-level candidates, no prior experience is mandatory)

Mandatory (Experience 2): Must have the ability to coordinate end-to-end transaction lifecycle, documentation, and internal coordination

Mandatory (Tools): Must have good working knowledge of MS Office, especially Excel

Mandatory (Skills): Must have strong attention to detail, structured working style, and clear communication

Preferred

Preferred (Education): Education in B.Com / CS / Legal or similar streams

Preferred (Note): Immediate joiners preferred

Strong Product Designer, with a focus on B2B SaaS / Enterprise UX Products

Mandatory (Experience) : Must have 3+ YOE in UI + UX design experience in B2B SaaS or Enterprise products

Mandatory (B2B Exposure) : Must have hands-on B2B experience (NO pure B2C profiles)

Mandatory (UX Skills) : Must have strong end-to-end UX experience (research, flows, wireframes, journey, prototyping)

Mandatory (UI Skills) : Must be able to deliver high-fidelity, developer-ready Figma designs

Mandatory (Design tools): Hand on experience with Adobe XD, Photoshop, Illustrator, Figma. Knowledge of Axure, InVision are a plus

Mandatory (Portfolio) : Must have strong portfolio of Product Design works from SaaS / B2B / HRMS / Intranet Products. The portfolio should show detailed case studies, not just UI screens

Mandatory (Education) : Bachelor's degree specializing in Design or related field (NID / NIFT / IIT / equivalent preferred). No candidates who have only done short UX bootcamps (2–7 days).

About Team Pumpkin : 

Team Pumpkin provides end-to-end technology and marketing solutions to multiple Global brands. Our services range from software development and feature enhancement of current products to marketing and customer outreach activities. With a strong and diverse team, we provide creative solutions to complex business problems that further enable the organizations we work with to ideate and break through traditional business barriers. 

About this Role :

As a UI/UX Designer you will have the opportunity to build & work on complex products/projects across industries and segments. We at Team Pumpkin want you to grow professionally and thus provide you an environment where you take ownership of the project/products you work on.

Responsibilities

• Working on multiple projects, applications and websites
• Working on cross platform designs to provide optimised design for an application/website
• Understanding client requirements to provide designs/flows as per expectations
• Conducting in-depth research on potential competitive landscape to understand industry specific trends/benchmarks
• Developing wireframes to provide/communicate potential screenflows
• Analysing client feedback and incorporating design changes 
• Designing UI elements such as navigation/interaction elements, CTAs, widgets, buttons, search bars etc.
• Assisting the engineering and development team to translate design to code

Requirements:

• Atleast 6-8 years of experience in developing and managing complex design projects
• Have a strong design principles and have a diverse portfolio to showcase
• Proficiency in any of the design suites such as Figma, Indesign, Photoshop , Invision etc. 
• Ability to understand company/brand guidelines and incorporate the same within design
• Extensive experience in collaborating with multiple teams both inter/intra company
• Experience in providing creative insight to improve existing products
• Basic front end knowledge of HTML/CSS is a plus

Job Title : Assistant Manager

Function :

Location : All Locations

>> OVERVIEW

An independent audit of financial statements is essential for the effective operation of business entities and the capital markets. We are committed to providing a constructive and challenging audit, one that is also independent and delivers the messages that matter to management and the audit committee. We add value beyond the financial statement through the insights we bring, based on our knowledge of a client’s business drivers and of individual sectors. Apart from financial statements audit (including IFRS and US GAAP reporting), we also provide other forms of assurance and attestation reporting. Our approach is based on robust audit methodologies, appropriate use of technology and a wide range of compliance tools underpinned by sound judgement and objectivity..

>> ROLE & RESPONSIBILITIES

· Work with the Audit practice to execute Statutory Audit/ Indian GAAP/ IFRS/ US GAAP accounting services and related services for clients

· The candidate will be expected to be a team member in large assignments and lead small / medium audit teams whilst exercising compliance with our Audit manual, Auditing Standards and legal regulations

>> THE INDIVIDUAL

· Be a qualified CA

· Have 3 - 5 years post qualification experience in Statutory Audit in a similar environment (Audit and Accounting firms)

· Have the ability to work under stringent deadlines and demanding client conditions

· Be willing to travel within India or abroad for continuous/ long periods of time

· Have strong soft skills like inter personal, team and communication skills both verbal and written

>> SELECTION PROCESS

· Candidates should expect minimum 3 rounds of personal interviews to assess clarity on concepts, communication skills and attitude

>> COMPENSATION

· Details of the compensation breakup will be shared with short-listed candidates only

About Role: 

1. We are looking for a Node.js Developer responsible for managing the interchange of data between the server and the users.  
2. Your primary focus will be the development of all server-side logic, definition, and maintenance of the central database, and ensuring high performance and responsiveness to requests from the front-end.  
3. You will also be responsible for integrating the front-end elements built by your co-workers into the application. A basic understanding of front-end technologies is necessary as well. 

Key Responsibilities: 

1. Integration of user-facing elements developed by front-end developers with server-side logic 
2. Writing reusable, testable, and efficient code 
3. Design and implementation of low-latency, high-availability, and performant applications 
4. Implementation of security and data protection 
5. Integration of data storage solutions such as database, caching servers 

Qualification & Skills: 

1. Strong proficiency with JavaScript and Typescript 
2. Knowledge of Node.js and frameworks available for it such as Express, StrongLoop, etc 
3. Proficient in database systems (eg. MySql, MongoDB, DynamoDB) 
4. Understanding the nature of asynchronous programming and its quirks and workarounds 
5. Basic understanding of front-end technologies, such as HTML5, and CSS3 
6. Understanding accessibility and security compliance 
7. User authentication and authorization between multiple systems, servers, and environments 
8. Integration of multiple data sources and databases into one system 
9. Understanding fundamental design principles behind a scalable application 
10. Understanding differences between multiple delivery platforms, such as mobile vs. desktop, and optimizing output to match the specific platform 
11. Creating database schemas that represent and support business processes 
12. Implementing automated testing platforms and unit tests 
13. Proficient understanding of code versioning tools, such as Git