Senior Full-Stack Developer – Fintech

1 day ago

Chandigarh, Chandigarh, India Toshani Digital Full time ₹ 96,00,000 - ₹ 1,30,50,000 per year

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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