Senior Full-Stack Developer – Fintech / NeoBanking Platform

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.