The Basics:

Team: Engineering

Experience: 5-7 Years

Location: Mumbai- Andheri East/Remote

Introduction
$11 trillion of money flows every year between companies in India. It typically takes avg. 70 days for a business to get paid, and it’s increasing 5% every year, leading to a severe credit crunch in the economy.

We are building India's first AI-driven Finance & Accounting Company that transforms how businesses pay and get paid. CashFlo already processes INR 20,000+ Crores of invoices every month, across 300,000 MSMEs and 1200+ corporates.

CashFlo is setting up a new AI vertical targeting the global market, and you will join our core engineering team in the vertical. Our leadership consists of ex-BCG and ISB / IIM / ICAI alumni with a team of industry veterans serving on the advisory board. We are backed by Elevation Capital and General Catalyst and share our lineage with HCS, a 25-year-old investment bank and registered NBFC.

We are looking for someone who loves a challenge, is ambitious, persistent, and thrives in a fast-paced startup environment. If solving large-scale engineering problems excites you, we'd love to speak with you.  

About the Role

We're looking for a highly motivated Software Development Engineer 3 (SDE-3) to build and scale the next generation of CashFlo's platform. This is a senior hands-on engineering role where you'll own end-to-end delivery of complex features, influence architecture decisions, and mentor junior engineers while remaining deeply involved in design and implementation.

You'll work across backend services, cloud infrastructure, integrations, and frontend applications to build secure, scalable, and resilient systems that power mission-critical financial workflows.

Key Responsibilities

• Design, develop, test, and maintain scalable backend services using Java, Spring Boot, PostgreSQL, Redis, Kafka, and related technologies.

• Build and enhance modern React-based frontend applications with a strong focus on performance and maintainability.

• Own complete feature development—from technical design through deployment and production support.

• Design APIs and services that are scalable, secure, and easy for other teams to consume.

• Participate actively in architecture discussions and drive technical decisions for complex projects.

• Collaborate closely with Product, Design, QA, DevOps, and other engineering teams to deliver high-quality software.

• Improve application reliability through monitoring, performance optimization, testing, and operational excellence.

• Mentor SDE-1 and SDE-2 engineers through code reviews, technical guidance, and best engineering practices.

• Contribute to engineering standards, reusable libraries, automation, and developer productivity initiatives.

• Deploy, monitor, and optimize applications on AWS infrastructure.

• Contribute to AI-powered engineering workflows and leverage coding agents to improve engineering productivity.

• Contribute to ETL pipelines, data processing workflows, and enterprise integrations whenever required.

What We're Looking For

• 5–7 years of professional software engineering experience building production-grade applications.

• Strong hands-on experience with Java, Spring Boot, REST APIs, and distributed backend systems.

• Solid experience with PostgreSQL, Redis, Kafka, and scalable data storage patterns.

• Strong proficiency with React.js and modern frontend development practices.

• Good understanding of distributed systems, system design, concurrency, caching, and scalability.

• Experience designing, reviewing, and implementing scalable software architecture.

• Hands-on experience with AWS cloud services, CI/CD pipelines, containerization, and modern deployment practices.

• Strong understanding of software engineering best practices including testing, observability, monitoring, and production debugging.

• Experience mentoring junior engineers and conducting high-quality code reviews.

• Hands-on experience using AI coding assistants or agentic development tools (Claude Code, Cursor, GitHub Copilot Agent Mode, or similar) as part of daily engineering workflows.

• Good understanding of LLM-powered workflows, RAG systems, OCR pipelines, or Agentic AI is desirable.

• Experience with enterprise ERP integrations (SAP, Oracle, or similar) is a plus.

• Exposure to ETL pipelines, AWS Glue, Airflow, webhooks, API gateways, or batch reconciliation is an added advantage.

Tech Environment

Java, Python, JavaScript/ReactJS  |  Spring Boot, FastAPI, Django, Flask  |  PostgreSQL, DynamoDB, Redis, Elasticsearch  |  Kafka, SQS, Celery  |  AWS, Kubernetes, Terraform, GitHub Actions/GitLab CI  |  Temporal, gRPC, GraphQL, OpenAPI  |  Keycloak, OAuth2/OIDC  |  Prometheus, Grafana, Datadog  |  AWS Glue, Airflow (ETL)  |  SAP/Oracle ERP integration connectors, EDI/SFTP  |  Claude Code, GitHub Copilot (agentic/AI-assisted development).

Joining CashFlo - Why it’s a great choice:

      Uniquely Positioned for Success: CashFlo sits at the unique intersection of Payments, Lending, and SaaS- three of the fastest-growing and most lucrative spaces globally and in India. As a part of our team, you will be a key player in an industry-defining company.

       An Opportunity to Create Wealth: At CashFlo, we understand that our success is deeply linked with the success of our employees. That's why we offer the potential to create exponential wealth through equity in our rapidly growing early-stage company. You will not only contribute to our growth story, but also share in the rewards.

       A Collaborative and Driven Team: We pride ourselves on fostering a culture that encourages kindness, collaboration, and a shared commitment to quality. Our team members are always there to help each other, and we believe in lifting each other up. Your growth is our growth, and we succeed as a team.

       Direct Impact on Company Success: At CashFlo, every role is crucial. Your work will have a real, tangible impact on our success. You'll see the results of your hard work in real-time.

       Fast-Track Your Career: We invest in our employees' professional growth through comprehensive training programs, mentoring opportunities, and clear growth paths. Whether you aspire to grow as an individual contributor or on a management track, we provide the resources and support you need to accelerate your career.

      Best-in-class Compensation and Benefits: We offer competitive compensation, with best-in-class incentive structures. We value the work you do, and our compensation package reflects our commitment to attracting and retaining the best talent.

       Unwavering Commitment to Excellence: We are seeking individuals ready to dive into challenging work, individuals who are excited about going above and beyond to drive their own growth and the company's. If you are motivated by ambitious goals and are ready to make a significant impact, CashFlo is the place for you.