Software Engineer - AI-Native Product Engineering

mymoneykarma
mymoneykarma

Software Engineering, Product, Data Science

Bengaluru, Karnataka, India · Hyderabad, Telangana, India

Posted on Jun 30, 2026
AI-Native Product Engineering | Full-TimeIn India, 300 million people are creditworthy but invisible to banks. Home ownership—the cornerstone of middle-class wealth—remains out of reach for millions who deserve it. We're changing that.MoneyKarma is India's fastest-growing AI-powered home loan platform. We don't just connect buyers with banks—we've built the intelligence layer that's democratizing access to credit across the country. Our engineering team is small, fast, and deeply integrated with product and business—every engineer here is a product thinker first and a coder second.Backed by institutional investors and built by a team combining Stanford pedigree with deep India market expertise, MoneyKarma offers engineers something rare: the chance to build AI-native products that serve millions, with real ownership and zero bureaucracy.Why Join Us:• Ship AI-Native Products — You won't just "use AI"—you'll build products where AI is the product. From intelligent credit decisioning to LLM-powered customer experiences, AI isn't a feature here—it's the architecture.• Think Like a PM, Build Like an Engineer — We don't hand you specs. You'll own problem statements, define solutions, and ship end-to-end. The best ideas at MoneyKarma come from engineers who understand the "why" behind what they build.• Stay on the Cutting Edge — We actively adopt the latest in AI tooling—from Cursor and Copilot to custom agents and RAG pipelines. If there's a better way to build, we find it and use it.• Small Team, Outsized Impact — Our engineering team is deliberately lean. That means every engineer touches critical systems, ships to millions of users, and sees the impact of their work in real time.• Equity & Growth — High performers receive ESOPs and a fast track to engineering leadership. We promote based on output, not tenure.Tech Stack: Python, TypeScript, React, Node.js, AWS, LLMs, RAG pipelinesGrowth Path: Engineer → Senior Engineer → Staff / Engineering Lead (18–36 months for top performers)Our Selection Process:1. Application Review — We review your work, GitHub, and product portfolio2. Technical Deep Dive — Live problem-solving session focused on product thinking + AI fluency (no whiteboard puzzles)3. Product & Architecture Discussion — Conversation with engineering leadership on how you'd approach real MoneyKarma challenges4. Founder Connect — Our founder meets every engineer personally. That's how seriously we take this.5. Offer — Within 48 hours of final roundWhat You'll Do• Build AI-First Features: Design and develop product features powered by LLMs, ML models, and intelligent automation.• Own Full-Stack Delivery: Take features from ideation to deployment.• Prototype Rapidly with AI Tools: Use Cursor, Copilot, Claude, custom agents to accelerate output.• Solve Product Problems: Understand user pain points and drive technical decisions that move business metrics.• Build Scalable Infrastructure: Design systems that serve 10M+ users; work with APIs, microservices, cloud infrastructure, and data pipelines.• Experiment & Iterate: Run quick experiments, build MVPs, and validate hypotheses.• Collaborate Cross-Functionally: Work with product, design, data science, and business teams.Required• 4+ years of professional software engineering experience with a strong portfolio of shipped products• Proficiency in Python, JavaScript/TypeScript, Go, or similar• Demonstrated experience building with AI/ML (LLMs, RAG, AI-powered features)• Strong product instinct• Fluency with AI-assisted development tools (Cursor, Copilot, ChatGPT, Claude)• Experience with cloud platforms (AWS/GCP/Azure), containerization, CI/CD• Comfort with ambiguity; full-stack capability or deep backend expertise with willingness to stretchPreferred• Experience in fintech, lending, or financial services• Hands-on with LLM APIs (OpenAI, Anthropic, open-source), prompt engineering, agent frameworks• Open-source contributions or visible technical presence• Experience with data pipelines, analytics systems, or ML ops• Prior startup experienceCompensation: Competitive base + performance bonuses + ESOPs for high performersPosted on 26 June 2026
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