Senior Full-Stack Developer

Location: New Delhi (On-site only)  Experience: 7–10 Years  Salary: ₹12–15 LPA  Job Type: Full-Time (Founding Team Role)  Company: Toshani Premium Digital Services Pvt. Ltd — Series-A Funded Fintech Startup 🏦 About the Company  We are building India’s next-generation Banking-as-a-Service (BaaS) and Neo-banking  platform, combining digital banking, financial inclusion services, and AI-powered financial  intelligence.  What We’re Building: • Multi-tenant Banking Reseller Platform • Neo-banking App (UPI, Savings, Investments) • Fintech Services: AEPS, DMT, BBPS, Recharge, Insurance, Loans • White-label Banking Solutions for B2B • AI-based financial analytics & personalization  Growth Goals: • 50,000+ Retail Partners (Year 1) • 5M+ End Customers (Year 2) • ₹1,000 Cr+ Monthly Transaction Volume • Presence in 25+ States Across India  💼 Role Overview  As a Senior Full-Stack Developer & Founding Team Member, you will architect, build & scale our end-to-end fintech platform from scratch.  Core Responsibilities ✔ Design microservices architecture for banking platform ✔ Build web portals (admin, retailer, customer dashboards) ✔ Develop React Native mobile apps (iOS/Android) ✔ Integrate 30+ banking APIs — NPCI, AePS, BBPS, UPI, IDFC, Fino, NSDL ✔ Implement real-time transaction engine (10,000+ TPS) ✔ Design cloud infrastructure using AWS/GCP & Kubernetes ✔ Build secure wallet + multi-level commission engine ✔ Implement fraud detection, PCI DSS & RBI compliance ✔ Create AI/ML features (analytics, spend insights, prediction)  🛠 Tech Stack You’ll Work With  Frontend: React 18+, Next.js, TypeScript, React Native, Redux Toolkit  Backend: Node.js (NestJS/Express) OR Java Spring Boot OR Go, Kafka/RabbitMQ  Databases: PostgreSQL, Redis, MongoDB, TimescaleDB, Elasticsearch  Cloud & DevOps: AWS/GCP, Docker, Kubernetes, Terraform, CI/CD, Prometheus  Security: JWT, OAuth2.0, AES-256, TLS 1.3, HSM, API Gateway  Fintech Services: UPI, AEPS, DMT, BBPS, KYC/AML, NPCI APIs  🎯 Required Skills (Must-Have) ✔ 7–10 years of full-stack development experience ✔ Strong backend expertise in Node.js / Java / Go ✔ PostgreSQL & Redis mastery ✔ Microservices + API Gateway + Message Queues ✔ React + TypeScript proficiency ✔ React Native mobile app experience ✔ Fintech/Banking domain knowledge – AEPS, DMT, BBPS, UPI ✔ Cloud deployment using AWS/GCP + Kubernetes ✔ Security-first mindset — PCI DSS / RBI guidelines  🎓 Education & Certifications (Preferred) 🎓 B.E./B.Tech/M.Tech in CS/IT (or equivalent experience) 🧾 AWS / GCP / CKA / PCI DSS / Security Certifications  🌟 Bonus Skills (Great to Have) • Spend analytics & PFM features • Gamification & reward engines • AI/ML insights & recommendation systems • SIP automation & investment platforms • UPI Lite & recurring payments • Fraud detection & anomaly monitoring  💡 Ideal Candidate Traits  You are a strong fit if you have: ✔ Built high-scale fintech platforms handling 100K+ daily transactions ✔ Experience with RBI/payment compliance & reconciliation cycles ✔ Experience in 0→1 startup or high-growth product ✔ Strong problem-solving + system design capabilities ✔ Passion for financial inclusion & building Bharat-first products   Not Eligible For This Role ✘ Freshers ✘ Freelancers / Part-time ✘ Remote workers ✘ Candidates without fintech/banking experience    Be a Core Builder of India’s Next Big Fintech Platform  If you have 70%+ of the skills, apply confidently — we value strong fundamentals &  problem-solving more than knowing everything.