Senior Mobile Engineer - Flutter

SarvaGram Fincare Private Limited; Pune District; On-site; INR 2,400,000 - 3,000,000; Full time

Job summary

SarvaGram Fincare Private Limited is seeking a Senior Mobile Engineer to own the Customer App on Flutter, focusing on architecture, performance, and offline-first design for rural users. You will shape a low-end device friendly experience with AI-assisted development and scalable release processes.

The role demands deep Flutter expertise, experience with constrained devices and intermittent connectivity, and a mindset for empirical performance improvements in a fintech context.

Qualifications

• 6 to 8 years in mobile engineering with 3+ years in Flutter.
• Shipped production Flutter apps with real users and lifecycle ownership from architecture to Play Store release.
• Experience designing for constrained devices and variable connectivity, including offline-first strategies.
• Owned mobile architecture decisions in a production app (state management, offline strategy, navigation).
• Active AI tool user (Cursor and Claude) for Flutter development.

Responsibilities

• Own the Customer App architecture: structure, state management, navigation, API layer, and long-term decisions.
• Conduct a full 30-day technical audit to identify performance bottlenecks, security gaps, offline limitations, and debt.
• Own app performance budget: define load times, memory, battery usage, and APK size targets for low-end devices.
• Implement offline-first architecture with local data caching and sync strategies.
• Own the release process: Play Store management, versioning, staged rollout, and A/B testing infrastructure.

Skills

Flutter (3.x)

Dart

State management (Riverpod / BLoC / P”

Tools

Kotlin / Java Android

React Native

Job description

SarvaGram is building India’s first household centric, data led ‘high-tech high-touch’ FinTech platform to meet the growing aspirations of rural India, with a bouquet of financial and productivity enhancing offerings.

We achieve this by offering a suite of customized financial and capacity-building products designed to meet the unique requirements of rural households. From loans and insurance solutions to innovative services like Farming-as-a-Service (FaaS), we equip rural communities with the tools they need to prosper.

Job Description

About the role

The Senior Mobile Engineer joins us to own the Customer App technically: architecture, performance, offline capability, and the Flutter engineering standards that will serve SarvaGram as the app grows from its current state to a full-feature platform.

Flutter is technology. Rural India is the user base. The intersection of those two facts means this role requires both technical depth (performance engineering, offline-first architecture, low-end device optimisation) and the empathy to build software for users who may be accessing the internet for the first time on a low-end smartphone in a village with intermittent connectivity.

Key Responsibilities

Customer App - Technical Ownership

• Own the Customer App architecture - Flutter project structure, state management approach, navigation patterns, API integration layer, and the architectural decisions that will govern the app for the next three years
• Conduct a full technical audit in the first 30 days - document the current state, identify performance bottlenecks, security gaps, offline capability limitations, and technical debt that needs remediation
• Own the app performance budget - define acceptable load times, memory consumption, battery usage, and APK size targets for a rural user on a low-end Android device, and build to those constraints
• Implement offline-first architecture - local data caching, sync strategies, conflict resolution, and the graceful degradation patterns that keep the app functional during connectivity drops
• Own the app release process - Play Store release management, versioning strategy, staged rollouts, and the A/B testing infrastructure for feature experiments

WhatsApp Integration & Lending Flows

• Own the mobile-side WhatsApp integration architecture - how the Customer App and WhatsApp channel share state, handoff flows, and deep link handling for the agentic lending workflows being designed
• Implement the loan application journey in Flutter - the full origination flow from lead capture through KYC, document upload, and application submission; designed for rural users with variable literacy and connectivity
• Build the repayment and EMI management UIs - payment flow, BBPS integration, eNACH mandate management, and the notifications that drive on-time repayment behaviour
• Implement the field officer mobile tools - the screens that field officers use for customer onboarding, visit documentation, and collections activity capture in the field

Rural UX & Performance Engineering

• Build for low-end Android devices that SarvaGram's borrowers use require deliberate performance engineering; this is not a nice-to-have, it is the primary performance constraint
• Design for low-literacy users - icon-first navigation, voice input support, regional language readiness (Marathi, Hindi), and the interaction patterns that work for first-time smartphone users
• Implement progressive loading and skeleton UIs - perceived performance patterns that make the app feel fast even on 2G connections by loading critical content first
• Own crash reporting and real-user monitoring - Firebase Crashlytics, performance monitoring, and the analytics that tell you how real users in rural Maharashtra and Karnataka are experiencing the app
• Use Cursor / Claude as primary development tools - AI-assisted Flutter development is the engineering standard; widget generation, state management boilerplate, and test writing are AI-augmented
• Design the AI feature integration on mobile - how the WhatsApp AI agent, agentic underwriting flows, and AI-generated personalisation surface in the Customer App UI
• Define Flutter engineering standards for Nexus - code organisation, widget composition patterns, state management approach, testing strategy, and the review criteria that govern all Flutter code
• Mentor the Mobile Engineers- structured development toward ownership of feature domains and eventual independence on production deployments

Requirements

Professional Experience

• 6 to 8 years in mobile engineering with 3+ years in Flutter - has shipped production Flutter apps with real users and managed the full lifecycle from architecture to Play Store release
• Has engineered for constrained devices and connectivity - has worked on an app where device capability and network quality were genuine engineering constraints, not edge cases
• Has owned mobile architecture decisions in a production app - not just implementing features but making the architectural choices (state management, offline strategy, navigation) that the team lives with
• Active AI tool user - uses Cursor and Claude for Flutter development today; AI-augmented development is standard practice
• Fintech mobile experience is a meaningful plus - payment SDK integration, KYC flows, and bureau API mobile surfaces are common territory

Mindset & Soft Skills

• Rural empathy: Rural user empathy: the app's users are not developers or urban smartphone power users - designs for the actual user, not the imagined user
• Performance obsession: Performance obsession: a feature that works beautifully on a Pixel 8 but is unusable on a Redmi A2 has not shipped for SarvaGram - performance on low-end devices is the acceptance test
• Technical ownership: Technical ownership: 'I inherited this codebase' is not an excuse - audits, fixes, and refactors are the Senior ME's responsibility from week one
• AI-native: AI-native developer: reaches for Claude before writing Flutter boilerplate or writing documentation - AI-augmented mobile engineering is standard, not occasional

Technical Skills

Flutter (3.x) & Dart

State management (Riverpod / BLoC / Provider) & Flutter performance profiling

Firebase (Crashlytics / Analytics / FCM)

Rural & Low-Bandwidth UX

Low-end device optimisation & APK size management

2G/3G performance patterns & Offline / local persistence (Hive / Isar / SQLite)

Progressive loading / skeleton UI & Regional language / i18n

AI Native - Core Expectation

AI-assisted state management & AI feature integration on mobile

Prompt engineering for Flutter code

Added advantage

WhatsApp Business API mobile integration & Payment SDK integration (BBPS / eNACH)

Play Store release management & A/B testing on mobile

React Native (for context) & Kotlin / Java Android

SarvaGram is on a mission to revolutionize financial services for millions in rural India. We're building the nation's first data-driven platform that combines cutting-edge technology with a human touch to unlock financial possibilities for underserved households.

This is your chance to be at the forefront of innovation. Join us and:

• Shape the future of FinTech: We're not just building a product, we're creating a new category. Be a part of defining the future of financial inclusion for rural India.
• Embrace a high-growth, high-impact environment: This is a non-linear growth opportunity. Build a platform used by millions and witness the network effect drive massive scale.
• Tackle real-world challenges: Apply your skills to solve critical problems and directly empower rural communities.
• Craft solutions that touch lives: Develop innovative products used by diverse household members, each with unique needs