Raj Kumar Raj

Operations Associate

Bengaluru, Karnataka, India4 yrs 6 mos experience

Key Highlights

Expert in full stack development with Java and Angular.
Proven track record in optimizing financial transaction processes.
Strong foundation in computer science principles and methodologies.

Stackforce AI infers this person is a Fintech Full Stack Developer with strong expertise in payment systems integration.

Contact

Skills

Core Skills

Java DevelopmentProject ManagementAgile MethodologiesAngular

Other Skills

AlgorithmsBackend OperationsBehavior-Driven Development (BDD)C++Cascading Style Sheets (CSS)CucumberData StructuresFront-end DevelopmentGherkinHTMLJava SwingLeadershipNode.jsObject-Oriented Programming (OOP)POJO

About

Hi, I am currently working as a Assistant manager system at SBI responsible for end to end integration with SBI Payment System prior to this I worked as software engineer at PayU and I have worked as Software Developer with 2 year working experience in one of the India most reputed IT firm Infosys Private Limited. I am trained and worked as full time employee in full stack development with skills in java, Angular, Oracle. Also I am familiar with C, C++, Python, Selenium, MySQL, Agile Methodology. I have a strong foundation of computer basics concepts like DSA, Algorithm, Databases, Computer Networks.

Experience

State bank of india

Assistant Manager

Oct 2025 – Present · 5 mos · Navi Mumbai, Maharashtra, India

I am responsible for the end to end delivery of new integration with third party aggregator merchants like BillDesk, razorpay, IRCTC, NPCI, WIBMO, PAYU etc with SBI Payment payment. Also customisation of existing features and new integration to meet new merchant requirements

Java DevelopmentProject ManagementProject CoordinationAgile Methodologies

Payu

Associate Software Engineer

Jul 2023 – Sep 2025 · 2 yrs 2 mos · Bengaluru, Karnataka, India · Hybrid

Aggregator Refund Flow End-to-End: Designed and implemented an end-to-end Aggregator Refund Flow, reducing turnaround time (TAT) to 3 days for auto refunds and 5 days for normal refunds, with a 20% decrease in refund reversals.
Instant Refund Feature: Implemented Instant Refunds with pricing optimization for refunds processed within 15 minutes via Virtual Private Address (VPA), resulting in a 10% increase in refund revenue.
Certificate Expiry Alert Service for ACS: Developed a microservice with a configurable cron job to trigger email alerts on predefined schedules, cutting processing time for the bank by 2-3 days.
Maker-Checker Engine for ACS: Created a Maker-Checker engine for ACS, enabling two-eye verification for banking operations (viewing, editing, deleting, user/group assignment), reducing errors by 30%.
Amazon Refund with Convenience Fee: Implemented a single refund solution with a convenience fee for Amazon and similar merchants, reducing API calls and database size by 50%.
Optimised Reporting Queries: Optimised reporting queries with batching, reducing processing time to under 500ms and managing double refund scenarios. Monitored Grafana dashboards during major festival sales (Flipkart BBD, Amazon GIF, Myntra BFF, Ajio, Xiaomi, Meesho), ensuring seamless transactions and performance for traffic exceeding ₹1000 crore.
Loyalty Offer with Chargeback Feature: Designed a refund feature enabling merchants to refund non-loyalty amounts and initiate chargebacks, increasing customer retention by 5-10%.
Location Compare Service for FRM: Developed a Location Compare Service for FRM, enhancing FRM scoring accuracy by 5% and reducing fraud incidents by 2%.
Flex EMI Option SBIC: Backend development of EMI integration in the OTP page, increasing user adoption by 20% and improving transaction completion rates by 15%.

Java DevelopmentPythonSQLAgile MethodologiesData StructuresAlgorithms

Infosys

2 roles

System Engineer

Mar 2020 – Sep 2021 · 1 yr 6 mos

Roles and responsibilities:
Designed, developed, tested and used Angular Framework and Spring Boot tool for T-Mobile, HSBC Client.
Data management using Openworks tool and UI designing and development using java swing tool for Halliburton client.
Collaborated with the clients for requirement elicitation, developed sustainable solutions to enhance banking functionality.
Responsible for maintaining the quality assurance of the existing module using unit testing and performing a sanity check on the implemented queries to ensure optimization.

Java DevelopmentAngularSpring BootSQL

System Engineer Trainee

Oct 2019 – Mar 2020 · 5 mos

Generic Training Module: Python Programming, SQL,Basics of software engineering and OOPs concepts
Stream Training Module: Devised an application using java enterprise application development

PythonSQLJava Development