Utkarsh Upadhyay

CTO

Noida, Uttar Pradesh, India13 yrs 6 mos experience
Most Likely To SwitchAI Enabled

Key Highlights

  • Led fintech platforms processing 1000+ TPS.
  • Scaled onboarding systems for 50K+ field agents.
  • Delivered high-impact projects in record time.
Stackforce AI infers this person is a Fintech and eCommerce engineering leader with expertise in high-throughput systems.

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Skills

Core Skills

Platform EngineeringGenai PlatformsLogistics IntegrationsKyc & AmlWorkflow EnginesMerchant OnboardingMenu & Ordering Platform

Other Skills

Amazon Web Services (AWS)Apache KafkaCSSDistributed SystemsDjangoEngineering MentorshipEvent-Driven MicroservicesFintech ArchitectureGo (Programming Language)HTMLHTML5Leadership Development CoachingMemcachedMultilingual Voice AIMySQL

About

Engineering leader with 13+ years scaling fintech, regtech, and eCommerce platforms at Paytm, Zomato, and Adobe. At Paytm, I lead merchant onboarding, KYC, GenAI voice bots, device lifecycle, logistics, and warehouse operations — including a Pre-Dispatch Inspection service for asset quality. Platforms under my leadership process 1000+ TPS, handle 1Cr+ tasks biweekly, and support 50K+ field agents. I also drive the international rollout of onboarding and device platforms and act as a catalyst for stalled initiatives across the merchant platform team. Previously at Zomato, I scaled the Menu & Ordering Platform (500K RPM), integrated 200+ POS systems, and launched Contactless Dining in 7 weeks. At Adobe, I co-authored test frameworks for Acrobat adopted globally. Passionate about mentoring and enabling teams to deliver resilient, high-throughput systems in regulated environments.

Experience

Paytm

4 roles

Senior Director of Engineering

Promoted

Apr 2025Present · 11 mos · Noida, Uttar Pradesh, India

  • Rolling out multilingual GenAI voice-bot for 50K+ field agents, enabling onboarding, payout, and service query resolution across Indian languages.
  • Scaling earlier charters (onboarding, KYC, logistics, compliance) into strategic pillars across new business verticals, automation layers, and regulatory touchpoints.
  • Leading device deployment, service, and SIM lifecycle platforms with Airtel, VI, and logistics partners for warehouse, activation, and DoT compliance.
  • Building a Pre-Dispatch Inspection service, giving Paytm greater control and visibility into warehouse operations, asset quality, and compliance before shipment.
  • Driving international rollout of Paytm’s merchant onboarding and device lifecycle platforms, adapting regulatory and operational workflows for new markets.
  • Continuing to play a catalyst role across the merchant platform, ensuring execution velocity and alignment on critical, cross-team initiatives.
  • Mentoring senior leads on scaling teams, systems, and platforms.
  • AI/Automation Leadership: Driving adoption of speech, orchestration, and LLM frameworks (e.g., Whisper, Google TTS/STT, LangGraph, GPT-4o, OpenAI embeddings, Cohere re-rankers, Bedrock). Applying these to power workflow automation, multimodal assistance, retrieval-augmented guidance, and AI-driven root-cause analysis — reducing manual effort, accelerating compliance, and scaling platform efficiency.
Platform EngineeringGenAI PlatformsWorkflow EnginesLeadership Development CoachingKYC & AMLRegulatory Technology+11

Director of Engineering

Promoted

Jul 2024Mar 2025 · 8 mos · Noida, Uttar Pradesh, India

  • Led KYC remediation post-embargo, building a unified repository with cross-bank visibility for ecosystem-wide transparency.
  • Built multilingual GenAI bot integrated with onboarding and agent systems; adopted by 40K+ field executives for real-time guidance.
  • Delivered image classification service on AWS Bedrock, reducing QC turnaround from over an hour to minutes, and automated onboarding flows to lower manual dependency.
  • Expanded logistics with direct-from-warehouse and hub-based replacement flows; courier-integrated workflows improved merchant serviceability by over 80%.
  • Acted as a catalyst across the merchant platform team, reviving and accelerating slow-moving projects into production-ready, scalable systems.
  • Scaled onboarding, KYC, and workflow platforms into org-wide enablers for compliance, automation, and resilience.
Platform EngineeringGenAI PlatformsWorkflow EnginesLeadership Development CoachingKYC & AMLRegulatory Technology+11

Senior Engineering Manager

Promoted

Apr 2022Jun 2024 · 2 yrs 2 mos · Noida, Uttar Pradesh, India

  • Owned backend systems for 35K+ Field Service Executives, covering onboarding, tasking, performance tracking, and exit flows.
  • Architected Task Management System handling 1Cr+ fortnightly tasks with incentive/skill-based task distribution and real-time reassignment.
  • Designed Workflow Engine powering onboarding, compliance, and operational flows; also built Review System with maker-checker flows and audit-ready data and approval handling.
  • Delivered Shipment Tracking System integrated with logistics partners for replacements, handovers, and visibility.
  • Enhanced 1000+ TPS Central Onboarding Engine and owned External Gateway Service for Airtel, ICICI, and CleverTap integrations.
Platform EngineeringApache KafkaWorkflow EnginesKYC & AMLRegulatory TechnologyService-Oriented Architecture (SOA)+8

Engineering Manager

Dec 2020Mar 2022 · 1 yr 3 mos · Noida, Uttar Pradesh, India

  • Led sales and onboarding journeys for merchant devices (EDC, Soundbox, App POS, Dynamic QR) across assisted, self-serve, and Paytm Mall channels.
  • Scaled Central Onboarding Platform for profiling and identity resolution; built Plan Master Management Service for real-time commercial plan retrieval during devices sales/service & profile enhancement journeys.
  • Built Asset Tracking Service managing lifecycle of devices, SIMs, FASTags, QR Stickers/Standees, and merchandising kits — handling 2L+ daily inventory handshakes across sourcing, deployment, and recovery.
  • Developed External Gateway Service for Airtel, ICICI, and CleverTap integrations.
  • Built in-house CRM and Lead Management Platform for sales and revisit workflows.
Platform EngineeringApache KafkaWorkflow EnginesKYC & AMLRegulatory TechnologyService-Oriented Architecture (SOA)+8

Zomato

Engineering Team Lead

Jun 2017Nov 2020 · 3 yrs 5 mos · Gurugram, Haryana, India

  • Built Menu & Ordering Platform handling 500K+ RPM across Online Ordering, Alco-bev, and Contactless Dining.
  • Reduced API payload by 98% and cut render latency by 800ms, significantly improving app performance.
  • Designed POS integration framework adopted by 200+ F&B brands for seamless onboarding aggregator and direct integration models.
  • Spearheaded Contactless Dining launch during COVID, delivering MVP to production in 7 weeks.
  • Delivered features like Meals for One, Healthy Meals, PiggyBank (loyalty), and Scheduled Ordering.
  • Collaborated across backend teams to shape reusable APIs for multi-channel growth.
Platform EngineeringApache KafkaPHPService-Oriented Architecture (SOA)Go (Programming Language)Memcached+7

Zopper.com

Senior Software Engineer

Feb 2016Jun 2017 · 1 yr 4 mos · Noida, Uttar Pradesh, India

  • Backend lead for merchant operations stack, including locality listing, reconciliation systems, and access control.
  • Owned global config system and contributed to internal dashboards.
  • Supported front-end flows for business-facing operations.
DjangoService-Oriented Architecture (SOA)MySQLPythonEvent-Driven MicroservicesDistributed Systems

Adobe systems india pvt. ltd.

Software Engineer

Oct 2013Feb 2016 · 2 yrs 4 mos · Noida, Uttar Pradesh, India

  • Core test automation engineer for Acrobat Reader & Pro desktop products.
  • Co-authored TUF (Test Utility Framework), a JavaScript-based UI automation system equivalent to Selenium.
  • Enabled scalable UI regression coverage across major Acrobat releases.
Platform Engineering

Tata consultancy services

Assistant Systems Engineer

Jun 2012Oct 2013 · 1 yr 4 mos · Noida, Uttar Pradesh, India

  • Module lead for AS/400 development at CVS Caremark, a U.S. pharmacy benefit manager.
  • Built Excel-VBA + AS/400 automation tools, reducing test cycle cost by 75% and analysis time by 15%.
  • Developed graphing tool for mainframe systems, enabling auto-scaling data visualization for impact analysis.
  • Contributed to test optimization and modernization of legacy systems.

Education

Madan Mohan Malaviya University of Technology

Bachelor of Technology - BTech — Computer Science and Engineering

Jan 2008Jan 2012

St. Fidelis College

Jan 1995Jan 2007

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