Founding Backend Engineer – Fintech Infrastructure (Go)

Wnted; Gurugram District; On-site; INR 1,800,000 - 3,000,000; Full time

Job summary

Wnted is building a new way for consumers to afford the things they want without debt. You will join as a Founding Backend Engineer to own core financial infrastructure and backend workflows that move, track, secure, and reconcile real money.

You will design and implement money-movement, deposits, ledgers, webhooks, and reconciliation. This role requires strong Go skills, distributed systems expertise, and a focus on security and reliability to support thousands of users on our platform.

Qualifications

• 3-5 years of professional backend engineering experience.
• Fintech, payments, banking, wallets, lending, or marketplace infrastructure exposure preferred.
• Strong experience in Go or a strongly typed language with ability to become productive in Go.
• Strong PostgreSQL knowledge including transactions, indexing, locking, and data modeling.
• Experience building APIs, webhooks, background workers, and asynchronous systems.
• Understanding of idempotency, retries, queues, and failure recovery.
• Experience with Redis or similar caching / distributed-locking systems.
• Docker and cloud deployment (AWS, GCP, or Azure).
• Automated testing, CI/CD, structured logging, monitoring and alerting.
• Security controls, encryption, audit logging, data protection, and production ops.

Responsibilities

• Build and own backend services in Go.
• Design money-movement and transaction workflows.
• Integrate with banking, ACH, open-banking, ledger, KYC, and redemption providers.
• Build recurring deposit and user mandate systems.
• Implement transaction state machines (initiated to reversed).
• Secure webhook processing with verification, deduplication, replay protection, and rate limiting.
• Create idempotent APIs, background workers, retries, and recovery workflows.
• Prevent duplicate withdrawals, credits, redemptions, and processing.
• Reconcile payments, ledger, and bank accounts.
• Create audit trails, transaction histories, monitoring, and investigation tools.
• Handle concurrency, partial failures, timeouts, and out-of-order events.
• Improve security of credentials, sessions, tokens, and services.
• Participate in architecture decisions, code reviews, testing, deployment, and incident resolution.

Skills

Go

Backend engineering

Distributed systems

PostgreSQL

Redis

APIs & webhooks

Security & compliance

Code reviews

Incident response

Tools

Docker

AWS/GCP/Azure

Open banking integrations

Job description

Wnted is building a new way for consumers to afford the things they want without taking on debt.

Users save automatically toward products across different retailers, track their progress, and redeem their savings when they are ready to purchase. We are building the financial infrastructure behind recurring deposits, bank connections, goal-based balances, payments, and redemptions.

We are backed by Berkeley SkyDeck and are preparing to launch with thousands of users already on our waitlist.

The Role

We are hiring a Founding Backend Engineer to help build and own our core financial infrastructure.

This is not a standard API-development role. You will work on systems responsible for moving, tracking, securing, and reconciling real money.

You will own critical backend workflows across bank linking, ACH deposits, transaction processing, ledgers, webhooks, recurring payments, reconciliation, and gift-card redemption.

You should be a strong backend engineer with experience building reliable distributed systems. Previous experience in fintech, payments, banking, wallets, marketplaces, or other transaction-heavy products is highly preferred.

What You Will Work On

• Build and maintain backend services in Go
• Design reliable money-movement and transaction workflows
• Integrate with banking, ACH, open-banking, ledger, KYC, and redemption providers
• Build recurring deposit and user mandate systems
• Implement transaction state machines for initiated, submitted, pending, completed, failed, and reversed transactions
• Build secure webhook processing with signature verification, deduplication, replay protection, and rate limiting
• Implement idempotent APIs, background workers, retries, and failure-recovery workflows
• Prevent duplicate withdrawals, credits, redemptions, and transaction processing
• Build reconciliation between payment providers, the ledger, and bank accounts
• Create audit trails, transaction histories, monitoring, and internal investigation tools
• Handle concurrency, partial failures, provider timeouts, and out-of-order events
• Improve the security of financial credentials, user sessions, provider tokens, and internal services
• Participate in architecture decisions, code reviews, testing, deployment, and production incident resolution

Required Experience

• 3-5 years of professional backend engineering experience
• Prior professional experience working at a U.S.-based fintech company
• Strong experience with Go, or significant backend experience in Java, or another strongly typed language, with the ability to quickly become productive in Go
• Strong understanding of PostgreSQL, including database transactions, indexing, locking, and data modeling
• Experience building APIs, webhooks, background workers, and asynchronous systems
• Strong understanding of idempotency, retries, queues, concurrency, and failure recovery
• Experience with Redis or similar caching and distributed-locking systems
• Experience using Docker and deploying services to AWS, GCP, or Azure
• Experience with automated testing, CI/CD, structured logging, monitoring, and alerting
• Hands-on experience building or maintaining fintech-grade security and controls, including access controls, encryption, secrets management, audit logging, data protection, and secure production operations
• Demonstrated leadership qualities, including technical ownership, sound decision-making, mentoring, clear communication, and the ability to guide projects from architecture through production
• Ability to independently own business-critical backend systems and respond effectively to production incidents

Preferred Experience

Experience in one or more of the following is highly preferred:

• Fintech, payments, banking, wallets, lending, brokerage, crypto, remittance, or marketplace infrastructure
• ACH payments, bank transfers, payouts, recurring payments, or open banking
• Double-entry ledgers or financial transaction systems
• Payment-provider integrations and reconciliation
• Transaction settlement, reversals, disputes, returns, and refunds
• KYC, identity verification, AML, fraud, or risk systems
• Webhook security, HMAC verification, replay protection, and encryption
• Systems handling sensitive financial or personal data
• Production incidents involving payments or financial transactions

What We Look For

• You think beyond the happy path
• You naturally ask what happens when a provider times out, a webhook arrives twice, or a worker crashes midway
• You care deeply about correctness when money is involved
• You can identify security and reliability risks before they reach production
• You take ownership instead of waiting for detailed instructions
• You are comfortable working in an early-stage environment with changing requirements
• You can balance speed with security and financial correctness
• You communicate clearly and document important technical decisions

Why Join

• Become an early engineer with meaningful ownership over the product and architecture
• Build financial infrastructure from the ground up
• Work directly with the founders
• Own systems that will be used by thousands of consumers
• Potential future equity and expanded leadership responsibility based on performance