Principal Engineer

Team: Engineering

Experience: 7+ Years

Location: Mumbai/Remote 

Introduction

$11 trillion of money flows every year between companies in India. It typically takes an average of 70 days for a business to get paid, and this number is increasing by ~5% every year. Formal funding options remain limited, covering less than 5% of the addressable market.

At CashFlo, we are building India’s largest B2B Payments Platform, transforming how businesses pay and get paid. Our award-winning platform processes ₹20,000+ Crores of invoices every month, serving 300,000+ MSMEs and 1,200+ corporates, with 30+ lenders integrated into the ecosystem.

You will join a core team of ex-BCG, ISB, and IIM alumni, backed by Elevation Capital and General Catalyst, with deep lineage in financial services via our NBFC roots. We are a team of problem solvers building a technology-first company with a strong product mindset.

If you enjoy solving real customer problems, working across systems, and owning outcomes end-to-end — we want to talk to you.

Role Description

We're looking for a Principal Engineer to own the architecture and technical direction of our core platform. You'll operate at the intersection of high-scale distributed systems and fintech-grade security and compliance, turning fast-growing but increasingly complex product surfaces into resilient, extensible platforms. This is a hands-on technical leadership role: you will design and review critical systems, set engineering standards across teams, and mentor senior engineers, while staying close enough to the code to unblock the hardest problems yourself.

• →Own end-to-end architecture for high-concurrency, high-availability platform services, from design through production operability.
• →Define and drive adoption of architectural patterns (event-driven microservices, multi-tenant SaaS, distributed locking/coordination) across multiple engineering teams.
• →Partner with Product, Risk/Compliance, and cross-functional engineering teams (Payments, Onboarding, DevOps) to translate business goals into platform capabilities.
• →Establish and champion engineering best practices: blameless post-mortems, proactive health monitoring, and structural fixes over firefighting.
• →Directly mentor senior and staff-level engineers; act as a force multiplier for technical decision-making across the org.
• →Drive down operational toil through automation, self-service tooling, and platform abstractions that let other teams move faster independently.
• →Represent engineering in architecture reviews, technical due-diligence, and cross-org planning.

• 7+ years of professional software engineering experience, with a track record of owning systems at scale in production.
• Proven experience architecting and scaling backend platforms handling significant user growth (e.g., 10x-20x) or transaction volume, ideally in fintech, payments, or another regulated domain.
• Deep expertise in distributed systems design: microservices, async workflow orchestration (e.g., Temporal or equivalent), event-driven architecture, and data consistency trade-offs.
• Strong hands-on experience with at least one of Java or Python, and the ability to review and guide code across languages/stacks.
• Experience with cloud infrastructure and platform tooling (AWS, Kubernetes, Terraform, CI/CD pipelines) and observability stacks (Prometheus, Grafana, Datadog, or similar).
• Demonstrated ability to lead cross-functional engineering initiatives and mentor engineers.
• Excellent written and verbal communication; comfortable driving alignment across engineering, product, and compliance stakeholders.
• Experience working with enterprise ERP integrations (SAP, Oracle, or similar) is a plus, especially around master data sync, financial workflows.
• Hands-on experience with agentic development is required — you regularly build with and orchestrate AI coding agents (e.g., Claude Code, Cursor, GitHub Copilot Agent Mode) as part of your day-to-day engineering workflow, not just as an occasional autocomplete tool.
• Working knowledge of ETL and data pipeline design is a plus; hands-on experience with AWS Glue is preferred. SFTP/EDI, webhooks, API gateways, batch reconciliation

Java, Python, JavaScript/ReactJS  |  Spring Boot, FastAPI, Django, Flask  |  PostgreSQL, DynamoDB, Redis, Elasticsearch  |  Kafka, SQS, Celery  |  AWS, Kubernetes, Terraform, GitHub Actions/GitLab CI  |  Temporal, gRPC, GraphQL, OpenAPI  |  Keycloak, OAuth2/OIDC  |  Prometheus, Grafana, Datadog  |  AWS Glue, Airflow (ETL)  |  SAP/Oracle ERP integration connectors, EDI/SFTP  |  Claude Code, GitHub Copilot (agentic/AI-assisted development).

• Own architecture decisions with real, org-wide impact rather than executing someone else's blueprint.
• Work on hard, high-stakes distributed systems problems in a regulated, high-trust domain.
• A culture that treats incidents as learning opportunities, not blame exercises.
• Competitive compensation, meaningful equity, and a seat at the table for platform-level technical decisions