Senior Full Stack Engineer Fintech

## About the Role We're seeking a Senior Full Stack Engineer with deep BFSI domain expertise to take ownership of our Credit Portfolio Manager platform - an enterprise-grade credit risk management solution for financial institutions. This is a unique opportunity to work directly with the CTO, shape product architecture, and transition from contract to a permanent leadership role. Our MVP is live, and we need a seasoned engineer who can drive the product forward with technical excellence and business acumen. ## What You'll Own ### Product Development & Architecture - Lead end-to-end development of core features in our credit risk management platform - Design and implement scalable solutions for high-volume data processing and real-time analytics - Build ML-powered risk assessment pipelines and automated compliance workflows - Own the technical architecture decisions and drive platform evolution ### Core Responsibilities - Develop complex features including multi-source data ingestion (API, Excel, manual entry) - Build real-time portfolio analytics dashboards with sub-second query performance - Implement AI-powered chat interfaces for portfolio insights and analysis - Create robust ETL pipelines for financial data processing and risk scoring - Design and optimize database schemas with proper indexing and RLS policies - Develop RESTful APIs with comprehensive validation and error handling - Ensure platform security, compliance, and audit trail capabilities ### Technical Leadership - Report directly to the CTO with full product ownership - Drive technical decisions and architectural improvements - Mentor junior developers (as team scales) - Participate in product strategy and roadmap planning ## Required Skills & Experience ### Must-Have Technical Expertise - 5+ years of full-stack development experience - 2+ years in BFSI/Banking/Fintech domain (credit risk, lending, compliance systems) - Expert-level proficiency in our core stack: - Next.js (App Router, React 19) and TypeScript (strict mode) - Supabase (PostgreSQL, real-time subscriptions, RLS policies) - Advanced SQL - complex queries, optimization, indexing, query planning - React Query (TanStack) for state management - Tailwind CSS + component architecture - Strong understanding of financial data models and risk assessment workflows - Experience with real-time data processing and async job processing - Proven track record of building scalable, production-grade applications ### Bonus Skills (Highly Valued) - Python for data processing and ML pipelines - AWS services (Lambda, S3, ECS, RDS, CloudWatch) - AI/ML experience - LLMs, RAG systems, vector databases - NoSQL databases (MongoDB, Redis, DynamoDB) - Experience with credit scoring models and compliance automation - Familiarity with Zod, Recharts, date-fns, CVA - Knowledge of regulatory requirements (GST, EPFO, audit compliance) ### Domain Knowledge - Understanding of credit risk assessment methodologies - Experience with financial reporting and analytics - Knowledge of compliance monitoring and audit trails - Familiarity with portfolio management workflows ## What We Offer ### Growth & Impact - Contract-to-permanent opportunity with competitive equity - Full ownership of product features and technical decisions - Shape the future of an early-stage fintech startup ### Work Culture - Location: Bengaluru (Hybrid - 3 days/week office) - Open to fully remote for exceptional global talent - Fast-paced startup environment with rapid learning - Collaborative team with direct access to leadership - Modern tech stack with best practices ### Technical Environment - Clean, well-architected codebase with TypeScript strict mode - Comprehensive documentation and development guides - CI/CD pipelines and automated testing - Focus on code quality, performance, and security ## Ideal Candidate Profile You're a perfect fit if you: - Have built production fintech/BFSI applications with real users - Can translate complex business requirements into elegant technical solutions - Excel at both backend data processing and frontend user experiences - Write clean, maintainable, well-documented code - Thrive in startup environments with ambiguity and rapid iteration - Take initiative and ownership without constant oversight - Have strong communication skills and can explain technical concepts clearly - Are passionate about building products that solve real business problems ## Interview Process - Technical Screening (45 min) - System design & architecture discussion - Coding Assessment - Take-home challenge on our stack - Technical Deep Dive (90 min) - Live coding + BFSI domain discussion - CTO Round (60 min) - Culture fit, vision alignment, and offer discussion Timeline: 7-10 days from application to offer ## About Us We're a Bengaluru-based fintech startup building the future of credit risk management. Our Credit Portfolio Manager platform helps financial institutions make faster, smarter lending decisions through AI-powered risk assessment and real-time compliance monitoring. Our Tech Philosophy: We believe in modern stack, clean architecture, type safety, comprehensive testing, and building products that users love. ## To Apply Share your resume along with: - Link to your GitHub/portfolio showcasing relevant projects - Brief description (100 words) of the most complex BFSI feature you've built - Your experience with our tech stack (Next.js, Supabase, TypeScript, SQL) Contract Details: 3-6 month contract with transition to permanent based on performance and mutual fit. Questions? Feel free to reach out - we're happy to discuss the role in detail!