Principal Engineer

Snapmint; Bengaluru; On-site; INR 3,800,000 - 6,000,000; Full time

Job summary

Snapmint is seeking a Principal Engineer to shape the next generation of its high-throughput fintech platform in Bengaluru. You will design systems for 10x–100x growth, make key trade-off decisions, and stay hands-on while mentoring engineers and working with founders and product teams to translate business goals into scalable, reliable systems.

This role offers high ownership in a fast-growing startup environment, with opportunities to influence architecture, drive critical projects, and ensure

Qualifications

• 12–15 years of backend/platform engineering experience.
• Strong CS fundamentals; IIT/BITS/NITs background preferred.
• Proficiency in Node.js, Java or Go.
• Experience scaling systems in high-growth startups.
• Fintech or lending exposure is a strong plus.
• Bias for action and ownership of outcomes.
• Comfortable navigating ambiguity in a startup environment.

Responsibilities

• Design platform architecture to support 10x–100x growth.
• Own systems end-to-end from design to production.
• Lead design discussions and set long-term tech direction.
• Mentor engineers through design reviews, code quality and architecture.
• Partner with founders and product teams to translate business priorities into scalable systems.
• Drive projects with timelines and cross-team coordination.
• Identify bottlenecks and drive scalable solutions.
• Champion engineering best practices across the team.

Skills

Backend development

System design

Leadership

Mentoring engineers

High-scale systems

Fintech experience

Education

IIT/BITS/NITs alumni

Tools

Node.js

Java

Go

Job description

Founded by IIT Bombay alumni (Nalin Agrawal, Anil Gelra, Abhineet Sawa), Snapmint is building India’s most loved payment brand. We pioneered Pay in 3 through UPI and are also home to India’s leading 0% EMI e-commerce app — giving millions of Indians the freedom to shop now and pay in monthly instalments, with no extra cost and no credit card required.

Today, Snapmint has crossed 50M+ app downloads and is the preferred payment partner for 2,000+ leading consumer brands, including Zepto, ixigo, Adani, District Store, Titan and many more. We’re on a mission to make fair, transparent credit accessible to Young India - and make payments simple, enjoyable and worry-free.

Headquartered in Mumbai, with offices across major metros including Bengaluru, Gurugram, Delhi and Jaipur, we’re building at the intersection of commerce, credit, technology and culture. If you want to work on a product used by millions, build a brand people genuinely love, and help redefine how the next generation of India pays and spends you’ll fit right in.

Come build Snapmint and help us change how India pays.

The Role:

Snapmint is entering its next phase of growth from a fast-scaling startup to a robust, high-scale financial platform serving millions of users daily. You'll design systems built for 10x–100x growth, make the key technical trade-off calls, and stay deeply hands-on. Beyond building, you'll mentor engineers and work directly with founders and product teams to translate business goals into scalable, reliable systems. This role is an opportunity to shape the next-generation architecture for a high-throughput fintech system and build systems designed to scale 10x–100x from current volumes

• Role Title: Principal Engineer
• Working Model: Work from Office – 5 Days per Week
• Entity: Snapmint Credit Advisory Private Limited

What You Own:

• Design and evolve the platform architecture to support 10x–100x growth
• Own systems end-to-end from the first design decision to production impact
• Lead system design discussions and set the long-term technical direction for the platform
• Identify scale bottlenecks early and drive solutions
• Mentor and elevate engineers through design reviews, code quality, and architectural thinking
• Partner directly with founders and product teams to turn business priorities into scalable systems
• Operate with high ownership in a fast-paced environment where priorities evolve quickly
• Drive projects independently own timelines, coordinate with teams, and see delivery
• Conduct rigorous code reviews and champion engineering best practices across the team
• Proactively identify gaps in the system and come up with concrete approaches to address them
• Solve technical problems across the company not just confined to a single pod
• Challenge existing architecture with data and reasoning push back when it’s the right call, and drive adoption of better approaches

What You Bring:

• 12-15 years of experience in backend or platform engineering
• Strong computer science fundamentals (preferably from IIT, BITS, NITs)
• Strong proficiency in backend development (Node.js, Java, Go, or equivalent)
• Proven experience scaling systems through high-growth startup phases
• Track record of building and owning critical platforms or systems from scratch
• Exposure to high-volume transactional systems; fintech or lending is a strong plus
• Bias for action - moves fast, makes sound decisions, owns outcomes end-to-end
• Comfortable navigating ambiguity and evolving priorities in a startup environment
• Strong problem-solving skills ability to break down complex technical challenges and arrive at
• pragmatic, well-reasoned solutions
• Hands-on experience with platform engineering developer tooling, shared services, infrastructure
• abstractions, or internal platforms

Good to Have:

Experience scaling infrastructure for high-growth fintech, consumer tech, or high-transaction platforms from 10x to 100x scale.

Why Snapmint:

• Be Part of a 10X–100X Journey - Help build and scale and be part of a high-growth story.
• Raise the Bar - Learn from people who raise the bar.
• Solve Hard Problems - Work on meaningful, high-impact challenges.
• Own the Outcome - Take ownership and make things happen.
• Move Fast, Build Fast - Turn ideas into action, not backlogs.
• Make Real Impact - See your work reach millions of customers.
• Grow with Snapmint - Take on bigger challenges as we scale.