Position title Full Stack Deceloper Description A Full Stack Developer is a versatile software engineer who can work on both the front-end (client-side) and back-end (server-side) of web applications and software. They are responsible for designing, developing, and maintaining the entire application, from user interface to databases and servers. Work across the full stack, building highly scalable distributed solutions that enable positive user experiences and measurable business growth Develop new features and infrastructure in support of rapidly emerging business and project requirements Assume leadership of new projects, from conceptualization to deployment Architect and provide guidance on building end-to-end systems optimized for speed and scale Ensure application performance, uptime, and scale, and maintain high standards for code quality and application design Engage with inspiring designers and front-end engineers, and collaborate with leading back-end engineers to create reliable APIs Work with agile development methodologies, adhering to best practices and pursuing continued learning opportunities Job Location Hyderabad Responsibilities Front-end Development: Building and maintaining user interfaces (UI) using languages like React, HTML, CSS, and JavaScript. Creating interactive and responsive web pages. Ensuring a smooth and intuitive user experience. Back-end Development Developing and managing server-side logic, APIs, and databases. Designing and implementing database structures. Experience with Postgres and MySQL. Working with backend languages like Node.js and Python. Experience with AWS is must. Strong experience with third party integrations.A Full Stack Developer is a versatile software engineer who can work on both the front-end (client-side) and back-end (server-side) of web applications and software. They are responsible for designing, developing, and maintaining the entire application, from user interface to databases and servers. Work across the full stack, building highly scalable distributed solutions that enable positive user experiences and measurable business growth Develop new features and infrastructure in support of rapidly emerging business and project requirements Assume leadership of new projects, from conceptualization to deployment Architect and provide guidance on building end-to-end systems optimized for speed and scale Ensure application performance, uptime, and scale, and maintain high standards for code quality and application design Engage with inspiring designers and front-end engineers, and collaborate with leading back-end engineers to create reliable APIs Work with agile development methodologies, adhering to best practices and pursuing continued learning opportunities Valid through June 9, 2025 Qualifications B.Tech Skills Understanding of system architecture, design principles and deployment architecture. Proficiency in version control systems like Git, Github. Collaborating with designers, product managers, and other developers. Excellent debugging, troubleshooting and optimization skills Experience in unit/integration testing Ability to stay updated with the latest technologies and trends. Experience 10+ years Willing to work from office for 6 days Show more Show less

Position title Credit Analyst Description We are looking for a meticulous and forward-thinking Credit Analyst to join our underwriting and credit team. You will play a key role in evaluating creditworthiness, analyzing financial statements, assessing risk, and structuring optimal credit solutions for MSMEs across various sectors. This role will directly contribute to building a robust and scalable credit infrastructure for Karncy’s lending ecosystem. Job Location Hyderabad Responsibilities Conduct in-depth financial and operational analysis of MSME borrowers including balance sheet, P&L, and cash flow assessment. Evaluate customer credit applications using data from GST returns, banking transactions, trade references, and credit bureaus. Develop credit scoring models, risk assessment tools, and early warning systems for default prevention. Prepare detailed credit appraisal notes and recommendations for approval committees. Monitor and review existing portfolios to ensure timely risk mitigation and covenant compliance. Collaborate with sales, legal, and operations teams to structure and finalize credit solutions. Maintain strong knowledge of industry trends, sector risks, and policy frameworks impacting MSMEs. Engage with underwriting partners, NBFCs, and insurers to co-design risk-sharing models. Qualifications Bachelor’s/Master’s degree in Finance, Accounting, Economics, or related field. 3+ years of experience in credit underwriting, preferably in MSME, NBFC, invoice discounting, or fintech domains. Proficiency in financial modeling, ratio analysis, and risk evaluation tools. Strong analytical and communication skills with an eye for detail. Familiarity with credit bureau reports, GST analysis, and banking transaction interpretation. Understanding of RBI and regulatory frameworks for MSME lending is a plus. Preferred Attributes Prior experience in a fintech lending or invoice discounting platform. Knowledge of escrow structures, credit insurance, and alternative data underwriting. Proficiency with credit automation tools, Excel, and financial analytics platforms. Job Benefits Why Join Karncy? Be part of a mission-driven team unlocking capital for India’s growth engines – MSMEs. Shape innovative financial products in a rapidly evolving sector. Enjoy flexibility, ownership, and a collaborative work environment. Show more Show less