Principal Software Engineer

Bengaluru, Karnataka, India Full-time


Who are we

Payjo is the Leading AI Banking Platform that redefines how banking is done in the soon-to-be AI First World.

In a matter of just over a year since launch, we are already powering some of the top banks worldwide. We are super proud of our world-class team solving the toughest problems towards empowering society to achieve financial freedom.

The founding team brings over 25 years of experience in running several AI & Fintech companies with over $50M in revenue.


What you will be doing?

You will be working with a team of world-class developers on technologies that people won't be able to live without - AI, NLP, Data Science + Bots.

You will be leading technical design, development and implementation of Payjo's conversational AI platform.

You will co-orindate with Lead backend and front-end developers, Lead NLP and Data Science Engineers, DevOps Engineers, Automation Test Leads and Architects, in a fast-moving, collaborative set up.

You will analyze the requirements and provide impact assessment for new features or bug fixes.

You will perform low level design and estimation and build and integrate complex software according to functional and technical design specifications

You will follow software development methodologies and release processes

You will follow quality processes, perform technical root cause analysis and resolve issues

You will ensure all the project agreed deliverables are completed to the required level of quality.


This is for you if you have


10+ years of experience in delivering scalable complex technical products, which includes working in fast-paced startup(s).

Fin-Tech and/or AI / NLP domain experience would be highly appreciated, though not required.

Strong adherence to best practices and experience in implementation strategies.

Expertise in JavaScript and Node.js

Hands-on experience in Node.JS / Express.JS / Hapi.js / Koa.js (or any other Web Framework), NoSQL DBs and Relational Database (preferably MySQL / PostgreSQL)

Hands on experience in Jest or other Javascript testing framework

Strong understanding of systems using real-time interactions (web sockets, long-polling, server-sent events)

Design and implementation of low-latency, high-availability, and performance applications.

Implementation of security and data protection.

Experience managing multiple services and modules with distributed and scalable systems.

Experience working in an agile team environment and proficient understanding of code versioning tools, such as Git.

Development experience in Enterprise SaaS product.

Experience working with clients to understand their requirements and implement optimal solutions

Proactive outlook for ways to make the solution better

Willingness to learn new technologies


Would be nice if you have experience in


HTML5, CSS3, Angular.JS or React.js.

Kafka, or other messaging platforms

Microservices and distributed architectures



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