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Role: Backend Engineer Function: Backend Engineering Location: Bengaluru Type: Full-time Industry: Information Technology & Services, Computer Software, Fintech, Financial Services About Company A Bengaluru-based enterprise tech startup founded in 2016. The company builds paperless digital solutions that power financial inclusion and digital transformation across India. Its platform covers digital identity verification, legal e-signing, document automation, and payment automation. It serves 1,500+ enterprises and 100 million individual users. The company is RBI-authorized as a payment aggregator and compliant with SEBI, RBI, and UIDAI frameworks. Backed by investors including Groww and Rainmatter, it operates with a team of ~90 people. Position Overview The company is hiring 2–3 backend engineers across its revenue-critical product pods — Payments, KYC, and Account Aggregator (AA). Seat assignment is determined at offer based on candidate domain expertise and current pod priority. Engineers own workstreams end-to-end: design, build, ship to dates, and operate in production. Raising the bar through design docs, code reviews, and mentoring junior engineers is a core expectation, not optional. Role & Responsibilities Own committed workstreams end-to-end within the assigned pod — from system design through shipping and production operation. Payments seat: contribute to payment orchestrator architecture (Switch, Collect-Console, card mandates, subscriptions, UPI-based OTM PG); prototype on research-track problems in collections and agentic checkout. KYC seat: build compliance-grade identity verification APIs and SDK surfaces within CKYC, KRA, and UIDAI regulatory constraints without sacrificing shipping velocity. AA seat: design and build the loan underwriting and monitoring rule engine; lead BSA revamp; extend into FIU/FIP consent flows and PFM/AA APIs. Apply rigorous systems thinking across all seats — idempotency, reconciliation, partial-failure handling, and auditability in high-stakes financial flows. Drive design documentation and code reviews; actively pair with and mentor junior engineers on the pod bench. Propose and ship improvements proactively — identify gaps in the system before they are specced and drive them to completion. Must Have Criteria 3–7 years of backend engineering experience spanning service design, data modeling, API design, and production failure handling. Demonstrated range across multiple backend domains — single-domain-only profiles will not be considered; breadth is a hard requirement. Strong systems thinking in high-stakes financial flows: idempotency, reconciliation, partial-failure reasoning, and auditability must be practiced, not theoretical. Track record of proposing and shipping something that was not specced — evidence of independent technical conviction. Comfortable operating without direct production access, using platform tooling and observability for debugging and incident response. Domain depth in at least ONE of: payment rails (UPI, mandate flows, orchestration), identity verification (KYC/KYB, CKYC/KRA/UIDAI), or lending decisioning/data modeling — drives seat assignment. Nice to Have Hands-on experience with NPCI/UPI rails, card mandate flows, or payment switch architecture. Prior work within UIDAI, CKYC, or KRA ecosystems at compliance grade. Experience building rule engines or decisioning systems for loan underwriting or credit monitoring. Demonstrated mentoring of junior engineers in a fast-moving, under-resourced team context. Exposure to Account Aggregator framework, FIU/FIP consent flows, or BSA-related data pipelines. What We Offer Direct ownership of workstreams in the company's highest-priority, revenue-critical product pods. Work on infrastructure used by 100M+ individuals and 1,500+ enterprises across regulated financial domains. Lean, high-ownership environment at a funded fintech-infra startup with a clear product roadmap and expanding pod surface.
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