Vikash Dwivedi

Director of Engineering

Gurugram, Haryana, India10 yrs 5 mos experience
Highly StableAI Enabled

Key Highlights

  • Led high-performing engineering teams for 10 years.
  • Expertise in Fintech product development.
  • Proven track record in mentoring future leaders.
Stackforce AI infers this person is a Fintech Engineering Leader with extensive experience in product development and team management.

Contact

Skills

Core Skills

Engineering ManagementTechnical RoadmapConsumer App DevelopmentTeam BuildingCredit Card IntegrationPayouts DevelopmentTeam LeadershipProduct DevelopmentPayment GatewayMicroservicesFull Stack Development

Other Skills

AWSAlgorithmsBBPS ManagementCheckout SystemConsumer LendingDashboard DesignData StructuresData SynchronizationEngineering LeadershipExtjsGenerative AIGitIntegrationJavaJavaScript

About

Experienced Software Engineering Manager with 10 years of leading high-performing engineering teams and building scalable systems. Managed and delivered complex projects from start to finish, consistently meeting goals and deadlines. Skilled in the Fintech industry with expertise in Fintech products - Payment Gateway, Payouts, BBPS, DMT, Lending, Personal Loan, Credit Cards, and UPI TPAP projects. Dedicated and accountable leader focused on achieving success in challenging environments. Proficient in team building, engineering advisement, cross-functional collaboration, and helping employees reach their utmost potential.

Experience

Bharatpe

2 roles

Senior Engineering Manager

Promoted

Apr 2025Present · 11 mos · Gurugram, Haryana, India · On-site

  • ▸ Leading the Consumer Lending Engineering division, owning the tech roadmap for Credit Card, Credit Line, and Personal Loan offerings.
  • ▸ Responsible for the end-to-end lifecycle of consumer lending products—right from discovery to delivery and scale.
  • ▸ Enabling strong engineering culture, with a focus on technical excellence, delivery velocity, and mentoring next-gen leaders.
Engineering ManagementTechnical RoadmapConsumer Lending

Engineering Manager

Feb 2024Mar 2025 · 1 yr 1 mo · Gurugram, Haryana, India · On-site

  • ▸ Led end-to-end development of the BharatPe Consumer App, delivering scale and reliability.
  • ▸ Spearheaded the complete tech revamp and rebranding from postpe to BharatPe (consumer) app.
  • ▸ Launched UPI TPAP, enabling BharatPe to become a certified third-party UPI platform.
  • ▸ Rolled out the Rupay Credit Card product, integrating card issuance, lifecycle management, and seamless in-app usage for consumers.
  • ▸ Boosted app performance with 80% faster launch and 70% faster UPI transactions.
  • ▸ Built and mentored a 12+ member engineering team into high-performing contributors.
  • ▸ Streamlined escalation workflows, reducing engineering support bandwidth by 60%.
  • ▸ Managed Other key products: BBPS, CCBP, DSA PL, ONDC, and Gift Vouchers.
  • ▸ Drove system availability and reliability KPIs across consumer platforms.
Consumer App DevelopmentUPI TPAPCredit Card IntegrationTeam Building

Payu

3 roles

Engineering Manager

Promoted

Apr 2022Feb 2024 · 1 yr 10 mos

  • 𝗣𝗮𝘆𝗼𝘂𝘁𝘀 & 𝗕𝗕𝗣𝗦 𝗣𝗹𝗮𝘁𝗳𝗼𝗿𝗺
  • ▸ Led a team of 15+ engineers for end-to-end development of the Payouts & BBPS Product at PayU.
  • ▸ Successfully recruited 10+ engineers at various levels, led the entire hiring and onboarding process, and built a strong engineering team.
  • ▸ Managed approximately 10+ services within Payouts & BBPS including Ledger, Beneficiary, VA Ecollect, Fund-Processor, Smart Pay, Webhook, Recon, Notification, Reporting, Invoicing, Approval Service, BPPS-COU, BBPS-BOU, and DMT.
  • ▸ Scaled the Payouts platform to support high TPS (~500), improving TAT and achieving a 99% SRT.
  • ▸ Collaborated with PM, Business, QA, and Design teams on roadmap planning, feature deployment, adaptation strategy, GTM, and translation of customer requirements into product features.
  • ▸ Inspired the engineering team to achieve a high level of technical productivity and reliability.
  • ▸ Anticipated, flagged, and resolved blockers both within and outside the team.
  • ▸ Established and maintained strong relationships with internal and external stakeholders.
  • ▸ Made crucial strategic product decisions for the engineering team to meet business goals.
  • ▸ Streamlined processes and constructed standard tools, reducing engineering touch by 20%.
  • ▸ Ensured team coordination, communication, and career growth for team. Successfully promoted team members and nurtured new leaders.
  • ▸ Managed Multiple External & Internal Audits for PayU.
Payouts DevelopmentBBPS ManagementTeam Leadership

Lead Software Engineer

Apr 2021Mar 2022 · 11 mos

  • 𝗣𝗮𝘆𝗼𝘂𝘁𝘀 & 𝗢𝗻𝗲𝗣𝗮𝘆𝗨 𝗣𝗹𝗮𝘁𝗳𝗼𝗿𝗺
  • ‣ Designed, Architected & developed PayU Payouts product from scratch.
  • ‣ Key contributor in planning, designing, development & execution of OnePayU migration.
  • ‣ PayU notification service optimization and scaled to support 500 TPS for Flipkart BBD.
  • ‣ Bank Partner Integration for payouts Yes Bank, ICICI Bank, M2P, Axis Bank, APB.
  • ‣ Third-party vendor integration with Karza, Gupshup, Value First, Infobip for Email/SMS.
  • ‣ Azure to AWS migration of PayUMoney infra.
Product DevelopmentSystem ArchitectureIntegration

Senior Software Engineer

Jul 2019Apr 2021 · 1 yr 9 mos

  • 𝗣𝗮𝘆𝗨𝗠𝗼𝗻𝗲𝘆 𝗣𝗮𝘆𝗺𝗲𝗻𝘁 𝗚𝗮𝘁𝗲𝘄𝗮𝘆 : Handling PayUMoney complete end to end checkout(payments) system. Process involves from customer (payment source) to bank end (payment processor).
  • [𝗝𝗮𝘃𝗮, 𝗦𝗽𝗿𝗶𝗻𝗴 𝗠𝗩𝗖, 𝗧𝗼𝗺𝗰𝗮𝘁, 𝗦𝗽𝗿𝗶𝗻𝗴 𝗕𝗼𝗼𝘁, 𝗠𝘆𝗦𝗤𝗟, 𝗥𝗲𝗱𝗶𝘀, 𝗥𝗮𝗯𝗯𝗶𝘁𝗠𝗤]
  • ‣ Implemented Seamless checkout feature on PayUMoney.
  • ‣ Implemented DBQR (Dynamic Bharat QR) option on PayUMoney checkout page.
  • ‣ Added OLA postpaid payment option on checkout page.
  • ‣ Microservice Architecture.
  • 𝗣𝗮𝘆𝗨 𝗗𝗠𝗧: Domestic Money transfer. Payment solution for cash to account transfer. Design and developed complete application(transaction engine) single handedly from scratch. Managing complete application life cycle from requirement gathering, design discussion, development & deployment.
  • [𝗝𝗮𝘃𝗮, 𝗦𝗽𝗿𝗶𝗻𝗴 𝗯𝗼𝗼𝘁, 𝗠𝘆𝗦𝗤𝗟, 𝗥𝗲𝗱𝗶𝘀]
  • ‣ Requirement gathering and flow design
  • ‣ Design and application development
  • ‣ Banking partner Integration
  • ‣ Virtual account System.
  • ‣ Money transfer from virtual account to bene account using IMPS only.
  • ‣ Concurrency handling on different credit/debit action over account balance.
  • ‣ Reports and wallet statement.
  • ‣ Commission settlement flow.
  • ‣ Automatic invoice and digital sign flow.
Payment GatewayCheckout SystemMicroservice Architecture

Mtree software pvt. ltd

3 roles

Senior Software Developer

Promoted

Jan 2019Jul 2019 · 6 mos

  • Senior Backend Developer:
  • 1. 𝐍𝐨𝐭𝐢𝐟𝐢𝐜𝐚𝐭𝐢𝐨𝐧 𝐒𝐞𝐫𝐯𝐢𝐜𝐞 : A micro service to send notification via email or message to merchants or internal alerts. Multiple services can use this to send their notifications on specific events.
  • ‣ Independent Micro service. 𝗞𝗮𝗳𝗸𝗮, 𝗝𝗮𝘃𝗮, 𝗦𝗽𝗿𝗶𝗻𝗴 𝗕𝗼𝗼𝘁, 𝐉𝐏𝐀.
  • ‣ Multiple service will push their events with details on Kafka topic.
  • ‣ Listener will process this event and sent notifications accordingly.
  • ‣ Notification Templates. 𝐌𝐮𝐬𝐭𝐚𝐜𝐡𝐞 𝐉𝐬
  • 2. 𝐑𝐞𝐩𝐨𝐫𝐭𝐢𝐧𝐠 𝐒𝐞𝐫𝐯𝐢𝐜𝐞: A micro service responsible to generate different reports on scheduled times when required.
  • ‣ Separate micro service. 𝗝𝗮𝘃𝗮, 𝗦𝗽𝗿𝗶𝗻𝗴 𝗕𝗼𝗼𝘁, 𝐉𝐏𝐀.
  • ‣ Connect with read only db and generate different reports.
MicroservicesNotification ServicesReporting Services

Software Developer

Jun 2016Dec 2018 · 2 yrs 6 mos

  • Worked as 𝐅𝐮𝐥𝐥 𝐬𝐭𝐚𝐜𝐤 𝐝𝐞𝐯𝐞𝐥𝐨𝐩𝐞𝐫. Projects worked on:
  • 1. 𝐃𝐚𝐬𝐡𝐛𝐨𝐚𝐫𝐝 : Designed a Dashboard web application from scratch with team of 4 people.
  • ‣ Backend RESTful API's development. 𝗝𝗮𝘃𝗮 8, 𝗦𝗽𝗿𝗶𝗻𝗴 𝗠𝗩𝗖, 𝗛𝗶𝗯𝗲𝗿𝗻𝗮𝘁𝗲, 𝗝𝗣𝗔, 𝗣𝗼𝘀𝘁𝗴𝗿𝗲𝗦𝗤𝗟.
  • ‣ Frontend Dashboard, widgets (chart, form, grid etc) design. 𝗘𝘅𝘁𝗝𝘀, 𝗷𝗮𝘃𝗮𝘀𝗰𝗿𝗶𝗽𝘁, 𝗵𝘁𝗺𝗹, 𝗰𝘀𝘀.
  • ‣ Add Localization support for multiple language view for different country. 𝗖𝗼𝗿𝗲 𝗝𝗮𝘃𝗮.
  • ‣ Design a flow to quickly identify root cause of error from logs. 𝗘𝗹𝗮𝘀𝘁𝗶𝗰𝘀𝗲𝗮𝗿𝗰𝗵 & 𝗹𝗼𝗴𝘀𝘁𝗮𝘀𝗵.
  • ‣ System monitoring and Alerts. 𝗚𝗿𝗮𝗳𝗮𝗻𝗮, 𝗣𝗿𝗼𝗺𝗲𝘁𝗵𝗲𝘂𝘀.
  • ‣ System build and Deployment process on cloud VM. 𝗔𝘇𝘂𝗿𝗲, 𝘁𝗼𝗺𝗰𝗮𝘁 𝟴, 𝘀𝗰𝗿𝗶𝗽𝘁𝘀, 𝗱𝗼𝗰𝗸𝗲𝗿 (𝗯𝗮𝘀𝗶𝗰𝘀).
  • ‣ Version control and bug tracking. 𝗚𝗶𝘁, 𝗝𝗶𝗿𝗮, 𝗕𝘂𝗴𝗭𝗶𝗹𝗹𝗮
  • ‣ Database schema and queries design, migration. 𝗠𝘆𝗦𝗤𝗟, 𝗣𝗼𝘀𝘁𝗴𝗿𝗲𝗦𝗤𝗟, 𝗦𝗤𝗟 𝗣𝗼𝘄𝗲𝗿 𝗮𝗿𝗰𝗵𝗶𝘁𝗲𝗰𝘁.
  • ‣ Software support for multiple OS. 𝗟𝗶𝗻𝘂𝘅, 𝗪𝗶𝗻𝗱𝗼𝘄𝘀
  • 2. 𝐒𝐲𝐧𝐜 𝐬𝐞𝐫𝐯𝐢𝐜𝐞: A service to sync live data from multiple data sources into single location in incremental manner. Worked on with team of 2 people.
  • Agent: [𝗡𝗼𝗱𝗲.𝗝𝘀, 𝗥𝗮𝗯𝗯𝗶𝘁𝗠𝗤]
  • ‣ Initial design was pull mechanism (polling) later optimized to push based system.
  • ‣ Agents runs on each data sources machine. (Lightweight process)
  • ‣ Agent gets message to pull the incremental data and push back to MQ.
  • Sync Service: [𝗡𝗼𝗱𝗲.𝗝𝘀, 𝗥𝗮𝗯𝗯𝗶𝘁𝗠𝗤]
  • ‣ Runs from one place, and sends message to agents to get data.
  • ‣ After agent push back into MQ, another worker will read and save into destination.
  • 3. Windows Installer [𝗡𝗦𝗜𝗦, 𝗯𝗮𝘁𝗰𝗵, 𝗽𝗼𝘄𝗲𝗿𝘀𝗵𝗲𝗹𝗹]
  • ‣ Installer to ease out the process of system setup for private web application.
  • ‣ Installer screens design & development.
  • ‣ GUI and silent install support. One click/command install.
  • ‣ Reduced 95% support queries for system setup.
Full Stack DevelopmentDashboard DesignData Synchronization

Software Engineer Intern

Jun 2015May 2016 · 11 mos

Education

Jaypee Institute of Information Technology

BTech - Bachelor of Technology — Computer Science

Jan 2012Jan 2016

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