Backend Systems Architect

The Role

We are building a next-generation fintech platform with deep integrations into banking systems, handling high transaction volumes and mission-critical financial operations. As a Tech Lead – Backend, you’ll play a pivotal role in defining the system architecture, driving engineering excellence, and leading a high-performing backend team.

This is your chance to shape a scalable, secure, and reliable financial platform from the ground up. You’ll combine strong hands-on backend engineering with technical leadership, ensuring delivery of enterprise-grade solutions in the fintech and banking ecosystem.

What we’re looking for

• 8–12 years of backend engineering experience with at least 2–3 years in a lead / architect role.
• Strong expertise in Node.Js, NestJS (or equivalent frameworks), with deep understanding of microservices.
• Proficiency in SQL and NoSQL databases (PostgreSQL, MongoDB, Redis, etc.), schema design, and query optimization.
• Solid experience with asynchronous programming, distributed systems, and event-driven architectures (Kafka / RabbitMQ).
• Hands-on experience integrating with banking systems (UPI, cards, payments, reconciliation, ledgers).
• Strong knowledge of system security practices, authentication / authorization, and data protection.
• Experience designing and managing high-throughput, low-latency systems.
• Proficiency in cloud infrastructure (AWS preferred) and deployment strategies.
• Ability to design and implement high-level and low-level architecture with sound design patterns.
• Proven ability to lead teams, mentor engineers, and set engineering best practices.
• Bonus : Exposure to regulatory compliance systems (RBI, PCI, GDPR).

What you’ll do

Who we are

Refyne is Asia’s largest and the world’s second-largest financial wellness platform, on a bold mission to deliver 360° financial wellbeing for every stakeholder — corporates, employees, and pensioners.

In under four years, and with a lean team of just 140, we’ve partnered with 500+ leading corporates across 23 sectors, reaching over 10 million employees. Backed by $106 million in equity from marquee investors like ICICI Bank, Tiger Global, QED, and DST Global — all within a year of launch — Refyne is among the fastest-scaling fintechs in the world.

Our relentless focus on regulatory-first innovation, built specifically for India’s salaried class, has driven 90%+ employee retention and helped employers boost productivity and speed up hiring.

Today, Refyne isn’t just profitable — we’re the 3rd largest by revenue and 2nd by volume globally in our space. Our vision is ambitious : to build a sustainable, nation-shaping business that stands the test of time. For us, the runway is infinite — and we’re not settling for anything less.

Refyne helps users avoid high-interest payday loans & microlenders, debt traps and build financial resilience. Our highly scalable platform enables employers to proactively ensure their workforce’s financial wellbeing and puts employees in the driver’s seat to control their financial position. Refyne is building a sustainable financial future, encouraging everyone’s participation in the formal financial ecosystem.

Refyne is the largest EWA provider in Asia backed by marquee global investors like Tiger Global and DST Global having raised $106M in funding.