Founding Tech Architect / Head of Engineering

About PledgePay

PledgePay is reimagining affordability in India by offering 0% EMI solutions backed by mutual fund collateral. We're solving the “affordability gap” by enabling high-ticket purchases—without credit cards—through a fully digital and secured lending infrastructure. We’re already partnering with merchants and lenders, and we’re on a mission to unlock ₹1.45 lakh crore in lost e-commerce potential.

self-motivated, entrepreneurial tech leader

Key Responsibilities

• Architect and build the entire tech stack – frontend, backend, API layers, lender integrations, dashboards, and analytics.
• Lead backend infrastructure for real-time mutual fund-backed credit flow – including pledge APIs, eligibility engine, credit decisioning, and data security.
• Manage integrations with mutual fund RTAs (e.g., CAMS/KFintech), NBFCs, KYC systems, and payment gateways.
• Ensure compliance with

  RBI Digital Lending Guidelines

  , data localization, audit trails, and customer privacy frameworks.
• Hire, mentor, and lead a lean but powerful tech team; work hands-on and build a strong engineering-first culture.
• Own performance, scalability, and security of the platform from Day 1.

What You Bring

• Engineering experience in

  building scalable fintech products

  , ideally from scratch.
• Experience in

  digital lending, payments, or mutual fund APIs

  is a strong plus.
• Deep understanding of microservices, API security, serverless/backend infra, DevOps.
• Ability to self-lead, prioritize tasks, and make critical architecture decisions.
• Strong belief in code quality, performance, testing, and documentation.
• Exposure to cloud infrastructure (AWS/GCP), event-driven architecture, and real-time systems.
• Entrepreneurial mindset with bias for action and ownership.
• Education: IIT/NIT/ BITS preferred.

Nice to Have

• Past experience as a

  Founding Engineer

  or Tech Lead at a startup.
• Built or scaled products within the framework of RBI/SEBI financial regulations.
• Knowledge of RTA ecosystems, account aggregator frameworks (AA), or credit decisioning engines.

Why Join Us

• Work directly with IIT/IIM founders who understand fintech, product, and GTM deeply.
• You’ll build a product that enables access to credit for millions of Indians.
• Equity ownership and the chance to be part of the

  founding journey

  of a potential unicorn.
• Shape the future of embedded lending in India.

To Apply:

📩 founder@pledgepay.in | Subject: "Founding Tech Architect – [Your Name]"