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. We're looking for a self-motivated, entrepreneurial tech leader to own and drive the full-stack architecture, infrastructure, and platform build for PledgePay. You’ll work directly with the founders to build the MVP, set the product velocity, and grow the engineering culture from scratch. 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]"

As an experienced and skilled individual, you will be responsible for architecting and developing the entire tech stack, which includes the frontend, backend, API layers, lender integrations, dashboards, and analytics. You will take the lead in managing the backend infrastructure for real-time mutual fund-backed credit flow, which involves pledge APIs, eligibility engine, credit decisioning, and data security. It will be essential for you to ensure compliance with RBI Digital Lending Guidelines, data localization, audit trails, and customer privacy frameworks. Additionally, you will have the opportunity to hire, mentor, and lead a competent tech team, fostering an engineering-first culture. Your involvement in overseeing the performance, scalability, and security of the platform right from the initial stages will be crucial. Your background should include a strong engineering experience in building scalable fintech products, preferably from the ground up. Proficiency in microservices, API security, serverless/backend infrastructure, and DevOps is highly desired. Your ability to prioritize tasks, make critical architecture decisions, and uphold code quality, performance, testing, and documentation standards will be invaluable. Familiarity with cloud infrastructure such as AWS/GCP, event-driven architecture, and real-time systems is advantageous. An entrepreneurial mindset with a bias for action and ownership is key, and an educational background from IIT/NIT/BITS is preferred. While not mandatory, past experience as a Founding Engineer or Tech Lead at a startup and knowledge of building or scaling products within the framework of RBI/SEBI financial regulations are considered advantageous. Exposure to RTA ecosystems, account aggregator frameworks (AA), or credit decisioning engines is a plus. Joining our team will allow you to collaborate directly with IIT/IIM founders who possess deep knowledge of fintech, product development, and go-to-market strategies. You will play a pivotal role in building a product that facilitates access to credit for millions of Indians. Furthermore, you will have the opportunity to own equity and be part of the founding journey of a potential unicorn, shaping the future of embedded lending in India. If you are excited about this opportunity and meet the qualifications mentioned above, we encourage you to apply and be a part of our innovative team.,