Senior Full-Stack Developer – Fintech
1 day ago
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+, , TypeScript, React Native, Redux Toolkit
Backend: (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 / 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.
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