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Backend Engineer, Payments Core

Kavach Fintech

Actively hiring🇮🇳 Mumbai, IndiaHybridFull-time₹12L – ₹18L /yr4–8 yrs expBackend Developer
Posted 1mo agoBe an early applicant

What this role pays, in context

This listing pays 131% above the median for Backend Developer roles in India, which sits at ₹6.5L a year.

25th pct ₹4.8L75th pct ₹6.5L

Median of 14 other live Backend Developer listings in India on this board that state pay. Roles that do not disclose a salary are excluded rather than counted as zero.

About the team

Payments Core owns the ledger, the disbursement pipeline and the repayment engine. When a loan is approved somewhere upstream, everything that happens to the money afterwards is our responsibility, and every rupee has to be accounted for at end of day.

What you will do

Design and build services that move money and record it correctly. That means double-entry accounting done properly, idempotent APIs, careful handling of partial failure with a bank that timed out but may or may not have processed the instruction, and reconciliation jobs that make a discrepancy loud rather than silent.

You will also spend real time on the boring, essential parts: audit trails, replayable event logs and the runbooks an on-call engineer reads at 3am.

What we look for

Four or more years of backend engineering with meaningful exposure to systems where correctness matters more than throughput. Fintech experience helps but is not required; we have hired excellent people from logistics, ticketing and telecom billing.

What is not optional is rigour. If your instinct on hearing about a duplicate webhook is to add a uniqueness constraint rather than a retry counter, you will fit here.

Responsibilities

  • Build and operate ledger, disbursement and repayment services
  • Design APIs that are safe to retry under any failure mode
  • Own daily reconciliation and make discrepancies impossible to ignore
  • Write runbooks and take part in a structured on-call rotation
  • Review designs across the team with an eye for correctness

Requirements

  • 4+ years of backend engineering in production
  • Strong relational database skills including transactions and isolation levels
  • Experience with event-driven or queue-based architectures
  • Understanding of double-entry accounting, or willingness to learn it quickly
  • Comfortable working under regulatory and audit constraints

Skills

Benefits

  • Above-market base with an annual performance bonus
  • Comprehensive health, term life and accident cover
  • Hybrid: three days in Lower Parel
  • Sponsored certifications in security and cloud

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