Masum Kumar Lodha

Engineering Manager

Bengaluru, Karnataka, India13 yrs experience

Most Likely To SwitchHighly Stable

Key Highlights

Led development of critical financial infrastructure.
Expert in architecting scalable distributed systems.
Proven track record in fintech and ad tech industries.

Stackforce AI infers this person is a Fintech and Ad Tech expert with strong capabilities in distributed systems and payments architecture.

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Skills

Core Skills

PaymentsSoftware ArchitectureFintechAd Tech

Other Skills

AJAXAd platform developmentAlgorithmsApache KafkaApache StormArtificial IntelligenceAudit readinessAzure Cosmos DBAzure cloud servicesCC++Card processingComputer Network OperationsData StructuresData analysis

About

I'm a Engineering Leader with a decade of experience building and scaling products from 0 to 1 — often in high-stakes, high-throughput environments. My journey spans the payments and ad tech industries, where I’ve led cross-functional teams to deliver complex systems. I’ve had the opportunity to help grow startups like InMobi and PhonePe, contributing across both technical and organisational dimensions. Currently focused on the payments space, I bring deep domain expertise in both Card and UPI ecosystems. At PhonePe, I led the end-to-end development of multiple critical initiatives, including the Money Management Platform, core banking integrations, and the Tax Platform—helping shape financial infrastructure used by millions. At present, leading the end-to-end development of a device-based payments business—enabling card acceptance through custom hardware and integrated software platforms (All in One Payment Device). I specialise in architecting distributed systems that can handle scale, performance, and reliability. Beyond the technical, I’m passionate about growing teams and developing talent. I’ve led large, multi-org programs that required not just engineering leadership, but the ability to align diverse stakeholders, define clear outcomes, and deliver consistently. I thrive in ambiguity, particularly when turning a rough idea into a working system that serves millions.

Experience

Phonepe

2 roles

Engineering Manager

Promoted

Jul 2021 – Present · 4 yrs 9 mos

Led the team that built the EDC (Electronic Data Capture) business and supporting tech platform from the ground up. I was closely involved in shaping the strategy and driving key decisions in engineering. This included overseeing development of the device application, merchant onboarding flows, sales and servicing operations, and logistics. On the payments front, we enabled seamless card and UPI transaction processing across domestic and international networks with robust integrations. The platform also handled chargebacks, multi-system reconciliation, and was built with audit readiness in mind.
Wearing dual hat handling software architecture and managing Money Management and Fund Transfer teams that handles all banking interactions and money movement for the company along with Merchant Settlements, Automated Taxation (B2B and B2C), Reconciliation, Book Keeping and Cost/Revenue management
Building Multi Bank capabilities reducing human effort to almost zero by dynamically having multiple integrations and switching based on maintenance downtime of partners or failure rates etc

Card processingUPI transaction processingSoftware architectureMulti-system reconciliationAudit readinessPayments+1

Engineering Lead

Oct 2019 – Jun 2021 · 1 yr 8 mos

Lead Engineer for Money Management (logistics of fin-tech) which includes Accounting, Merchant Settlements, Taxation, Book Keeping and Reconciliation Systems
Optimised and scaled up merchant on-boarding platform from few thousands to hundreds of thousands.
Automated tax flows and built control flow management for finance and tax teams to group invoices based on various SACs and regulations thereby removing engineering effort for the same.
Building realtime pricing engine platform to be used across Phonepe for calculating and managing revenue on the fly.

Merchant onboardingTax automationReal-time pricing engineFintech

Inmobi

4 roles

Senior Technical Lead

Jan 2019 – Sep 2019 · 8 mos

One of the lead engineers for "DSP", building the new ad platform from scratch on Azure cloud services along with guiding the team by taking care of major aspects - efficiency, scale, debuggability, functionality, business, reporting and data analysis.
Designed an independent "throttling library" which has smart throttling capability and is being adopted across the company.

Azure cloud servicesAd platform developmentData analysisAd Tech

Technical Lead

Promoted

Jul 2017 – Dec 2018 · 1 yr 5 mos

3+ years of experience in large scale distributed system and building micro services interacting with each other for both high scale and low latency as per the requirement.
Leading the ad-serving team technically, which is the core of Inmobi mobile ad domain. Handling tech designs, code reviews, contract closures, implementations and mentoring for the team.
Independently designed and delivered the only Risk Management Service @ Inmobi. Pre detects any abnormality in the system by comparing historical data with expected current data and takes smart decisions to minimise loss.
Designed and implemented the Central budget management system. Smart budget allocation to minimise over spend due to having a large distributed network and very high scale.

Distributed systemsMicroservicesRisk managementAd Tech

Senior Software Engineer

Promoted

Jan 2016 – Jun 2017 · 1 yr 5 mos

Playing major role in planning, designing and implementing business critical services @ Inmobi to scale up performance and efficiency.
Part of Middleware team. Was responsible for building and managing various services that powers the Inmobi Ad Network, Inmobi Portal and External Apis.
Built one of Inmobi's Live reporting systems which pulls data from various services and databases and provides a concrete summarized report to advertisers and publishers at Inmobi real time.

Middleware servicesLive reporting systemsAd Tech

Software Engineer

Jul 2014 – Dec 2015 · 1 yr 5 mos

Part of Middleware team. Was responsible for building and managing various services that powers the Inmobi Ad Network, Inmobi Portal and External Apis.
Built one of Inmobi's Live reporting systems which pulls data from various services and databases and provides a concrete summarized report to advertisers and publishers at Inmobi real time.

Middleware servicesLive reporting systemsAd Tech

Devathon (crypsis technologies pvt. ltd.)

Software Developer Internship

May 2013 – Jul 2013 · 2 mos · Hyderabad Area, India

Member of Image Processing and Computer Vision team @ Crypsis. Was responsible for building image processing api's for simplifying image editing. As part of this various advanced algorithms such as Seam Carving(Liquid Rescaling), Reverse Image Search, Color based look up, feature matching etc were implemented in a short span of time.

Iiit hyderabad

Teaching Assistant

Aug 2012 – Apr 2014 · 1 yr 8 mos · Hyderabad Area, India

I was selected as one of the Teaching Assistant's at IIIT-H in 3rd and 4th year for following courses: Digital Logic Processor, Engineering Systems, Digital Image Processing and Engineering Systems - II