Dilip jain

Co-Founder

Bengaluru, Karnataka, India14 yrs 6 mos experience

Highly Stable

Key Highlights

Architected India's first UPI PSP stack on Cloud.
Led the backend team for the BHIM UPI App launch.
Contributed to democratizing credit access through OCEN.

Stackforce AI infers this person is a Fintech Architect with expertise in scalable payment systems and cloud architecture.

Contact

Skills

Core Skills

Cloud ArchitecturePayment SystemsMobile DevelopmentFinancial TechnologySoftware DevelopmentFunctional ProgrammingSoftware ArchitectureData Engineering

Other Skills

Amazon Web Services (AWS)Android DevelopmentApache SparkAutoPilotBig Data AnalyticsCloud Architecture DesignDynamoDBHaskellJavaSEJavaScriptKubernetesNoSQLDBProgramming-C,C++,Python,C#, OpenCV, C, Cloud-iSCSI, Hadoop, Node.js, Haskell, Functional Programming, PurescriptPurescriptReal-time Data Processing

About

I’ve learned that the best products are built when you stop trying to be right and start trying to understand. Talking to users with genuine curiosity and letting reality shape your thinking is far more powerful than any assumption or framework. I had a front-row seat to this while building at Juspay, joining when the team was under 10 people and scaling products that now power a large part of India’s payments ecosystem. From architecting UPI systems that process millions of transactions daily to contributing to digital public infrastructure initiatives like UPI, AA, OCEN, and Beckn with iSPIRT, I’ve seen what it really takes to build planet-scale systems that work in the real world. This experience shaped my product sense deeply, it taught me that scale is not just about throughput and reliability, but about simplicity, trust and boring consistency. Today, we are applying that same philosophy to Gullak. Gold is a deep-rooted emotion in India, yet it has remained an idle, static asset for centuries, completely devoid of innovation. With Indian households sitting on $5 Trillion of idle gold, there is a massive opportunity to unlock this wealth by making it fully fungible. Just as UPI moved cash from physical wallets to phones, we are now building the rails to ensure every Indian can accumulate and manage their gold balance with a single tap.

Experience

Gullak money

Co-Founder

Nov 2021 – Present · 4 yrs 4 mos · Bengaluru, Karnataka, India

Juspay technologies pvt ltd

4 roles

Head Of Engineering

Promoted

Jun 2018 – Oct 2021 · 3 yrs 4 mos

Architect for Juspay's UPI stack. Responsible for Cloud Architecture Design, building a zero downtime UPI stack. Built a horizontally scalable UPI PSP using cutting edge technologies like Kubernetes / Haskell / NoSQLDB(DynamoDB) / AutoPilot, this stack is deployed in 3 Banks, processes 7 Million payments/day and is load tested to handle 10000 payments/sec. Actively involved in building teams of world-class engineers.
Key Achievements
1) Architected India's first UPI PSP stack on Cloud, went from 0 payments to 3Million payments in 3months, powers upi payments for large UPI apps like AmazonPay / BharatPe.
2) Co-Architected Visa Safe Click with Visa Team, used Android's Device HSM for silent authentication of payments. With Visa Safe Click users can make 1 Click Payments in less than 5secs. Launched in Flipkart / PhonePe / Ola.
3) Initial Contributor to Open Credit Enablement Network(OCEN) Specification - UPI like solution for democratizing credit.

Cloud Architecture DesignKubernetesHaskellNoSQLDBDynamoDBAutoPilot+2

Senior Software Engineer

Promoted

Jun 2016 – May 2018 · 1 yr 11 mos

Was a core part of the platforms team, lead the organization-wide initiative of migrating from Javascript to Purescript(A strongly typed FP language). Functional Programming helped Juspay engineering teams scale, ship bug-free code, and rapidly iterate.
Key Achievements
1) Led the backend team which built BHIM UPI App in 3 weeks, this was launched by PM of India, got 10 Million Downloads in the first 10 days.
2) Developed DBMesh - A Software Shock Absorber Architecture using KV Store as read/write buffer cache. We handled a 10x spike in traffic, processed a peak of 2000 Payments/sec during IPL.
3) Built a DSL using Purescript for writing native apps as conversational goal trees. Presto made the writing of composable apps very easy and significantly improved code readability.

PurescriptFunctional ProgrammingJavaScriptSoftware Development

Software Engineer

Jun 2015 – May 2016 · 11 mos

Worked on building features like OTA updates, self-healing system, unblocker workflows for Juspay Safe Browser(Payments Experience Optimizer). Built a real-time data Pipeline using Apache Spark to analyze conversion funnel and payment success rate across dimensions in real-time.

Apache SparkReal-time Data ProcessingData Engineering