Aug 2017 – Jan 2022 · 4 yrs 5 mos · India · Remote

• ● Served as a technical reviewer for multiple internationally published engineering and software development books with Packt Publishing.
• ● Contributions helped ensure technical accuracy, clarity, and real-world applicability for thousands of global learners and practitioners.
• ● Books Reviewed:
• Hands-On Software Engineering with Python
• Learn Programming in Python with Cody Jackson
• Clean Code in Python
• Mastering Python Design Patterns
• Neural Network Programming with Python
• Learning Python by Building Games
• ● This body of work reflects commitment to strengthening the global developer ecosystem and supporting high-quality technical publishing.

Jan 2017 – Present · 9 yrs 5 mos · Mumbai Area, India · On-site

• As Co-founder and technology & product leader at Upwards, built a full-stack digital lending platform serving 5M+ under-served customers. Led engineering, product, data science and platform architecture, scaled the organization, and drove the company to a successful acquisition by Lendingkart in a ₹120 Cr transaction.
• ● Founder Achievements
• Built digital lending for unbanked India; scaled to multi-million customers.
• Raised ₹400+ Cr in equity & debt from top VCs and lenders.
• Achieved exit via acquisition by Lendingkart (~₹120 Cr).
• Recognitions: Times 40U40, ET Promising Entrepreneurs, Forbes Select 200, GFM Most Innovative Lending 2023, Inc42 Top Acquisitions, MobileAppsDaily 40U40.
• ● Tech & Product Leadership
• Built a high-performing engineering, product & data org with strong culture and hiring bar.
• Re-architected platform multiple times to improve reliability, speed & customer satisfaction.
• Collaborated with bureaus, NBFCs, partners & vendors to expand capabilities and efficiency.
• Guided leadership on product strategy, OKRs and long-term roadmap.
• ● Key Product & Platform Contributions
• Led development of: Consumer Lending Android apps (6), fintech utility apps, web platforms, embedded lending APIs, LMS, analytics engine, MIS/KPI dashboards, campaign engine, internal ops tools, SEO & branding assets.
• Designed end-to-end lending stack: on-boarding, KYC, credit, underwriting, lifecycle, collections, integrations.
• ● Technical Impact
• Architected cloud-native microservices with 99.9% uptime and millions of monthly transactions.
• Built ML-driven underwriting models and alternate scorecards, reducing decision time 60%.
• Enabled 4× improvement in collections efficiency through tech-enabled ops.

Dec 2015 – Jan 2017 · 1 yr 1 mo · Mumbai Metropolitan Region

• ● Built a Routing service, comprising 45+ APIs, with versioning support in Flask, from the scratch. Open sourced the Boiler Plate for the Project. https://github.com/nimeshkverma/Deflection
• ● Scalability and Microservices:
• Designed a scalable backend architecture for top and middle layer services and implemented it in Python+Scala. This improved system reliability and increased development speed
• ● Improved concurrent­ load capacity by 6x and improved response time to 1/5th by serving following components using Flask-Jinja2 instead of Magento for Craftsvilla website:
• Product Description Page
• Search and Discovery Page
• Seller Display Page
• ● Developed consumers in Java for processing and storing Images in S3 and updating Product details in ES
• ● Reduced Cart­page drop­off by enabling real­time catalog­ metadata update on Elastic Search using RMQ
• ● Built Email Sender Service using Amazon Lambda, SES, NodeJS. https://github.com/nimeshkverma/aws-lambda-node-mailer
• ● Conceptualised and developed a consolidated Analytics Dashboard with the data fetched from Google-Analytics, Google-Play, Google-Adwords, Google-Spreadsheets and in house databases.
• ● Was involved in the Interview process, mentored the new Joinees and GIT, Swagger and new technology bootcamp for colleagues.

Apr 2015 – Nov 2015 · 7 mos · Mumbai Metropolitan Region

• Worked on the following products:
• ● Broker Rating Algorithm
• Designed and implemented the architecture for assigning ratings to real estate brokers across all major cities in India. Ratings were derived from data as well as user-generated content.
• ● Key Performance Indicator (KPI) for the Buy Platform for Search Ranking
• Conceptualised and built a Django application for computation of KPIs like CTR, impressions, etc. from events captured, to be used in the search ranking of properties on the platform.
• ● Google Analytics Data Storage Cron Framework
• Built a cron framework for pulling events data from Google Analytics and populating Tables (Master, Child and Aggregation), used for analytics.

May 2014 – Apr 2015 · 11 mos · Greater Delhi Area

• Member of the Search & Discovery Team at the Slideshare-LinkedIn
• ● Built scripts for capturing user-triggered events, used for generation of recommended slideshows
• ● Programmed scripts to monitor search & related metrics & rectified errors which cropped up
• ● Upgraded existing Collaborative-Filtering algorithm for generation of recommended ppts.

May 2013 – Jul 2013 · 2 mos · Noida, Uttar Pradesh, India

• Frauds Team, Paytm.com
• ● Built customer profiling software for fraud detection, prevention & predictive analysis in payments
• ● Blocked potential fraud users and seized their Paytm Wallet Cash

Sep 2012 – Sep 2013 · 1 yr · Mumbai Metropolitan Region

• ● In a team of 3, conceived the idea of a Text-Free mob banking app for illiterate & elderly customers
• ● Critically analyzed customers by surveys & developed an android app with easily interpretable GUI
• ● Amongst top 3 teams in India; demonstrated the app to Executive Director, ICICI in Prototype Round
• ● Successfully took an exit from the venture by selling the IP, Tech and Product to ICICI Bank

May 2012 – Jul 2012 · 2 mos · Gurugram, Haryana, India

• ERP Software-prototype,
• ● Developed a cloud based product prototype for storage & analysis of actual & budgeted data
• ● Built scripts to migrate data from clients & generate descriptive reports by analyzing data

Aug 2011 – Sep 2011 · 1 mo · Greater Delhi Area

• ● Led team of 6 for successful organization of various events by coordinating with administration & staff
• ● Ensured availability of infrastructural requirements by contacting & coordinating with respective vendors

Jul 2011 – Nov 2012 · 1 yr 4 mos · Greater Delhi Area

• ● Responsible for guiding freshers and ensuring their smooth transition into the campus life.
• ● Motivated them to maintain a balance between academic & co-curricular activities

Dec 2010 – Dec 2011 · 1 yr · Greater Delhi Area

• ● Created a website for catalogs, deals & events at nightlife junctions in NCR
• ● Generated association rules to enhance clients' business growth by mining website data

Jul 2009 – Jun 2014 · 4 yrs 11 mos · Greater Delhi Area

• 5 Year Integrated M.Tech in Maths and Computing