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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.
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.
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.
Kavach is a lending infrastructure company. Banks and NBFCs use our platform to underwrite, disburse and service unsecured credit, and we process a meaningful share of the small-ticket personal loan volume written in India every month.
Because we sit in a regulated path, correctness beats speed here. Services carry real test coverage, changes go out behind flags, and every ledger movement is reconciled daily. Engineers who enjoy reasoning about invariants, idempotency and audit trails do very well.
We are headquartered in Lower Parel, Mumbai, with a second engineering floor in Bengaluru. Most roles are hybrid at three days in office.


Meridian Gulf Digital🇦🇪 Dubai

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