Apr 2024 – Mar 2025 · 11 mos

• Spearheaded end-to-end architecture for all software systems, scaling key platforms (LOS, LMS) across Singapore, Malaysia, and Indonesia.
• Led the development of advanced credit risk algorithms, collaborating with data science teams to optimize credit limits and purchasing decisions.
• Built mission-critical services (underwriting, risk-based pricing, automated merchant settlements) from 0 to 1, reducing processing time by 98% and achieving zero settlement errors.

Sep 2021 – Apr 2024 · 2 yrs 7 mos

• Lead multiple teams in building LOS, LMS and other backbone services including
• Underwriting (Risk)
• Settlements
• Collections
• Customer and Merchant portals
• Customer Support portals

Mar 2020 – Aug 2021 · 1 yr 5 mos · Bengaluru, Karnataka

• Led the FinOps team, building a payout engine for automated settlements, eliminating manual errors and saving over ₹2 Cr annually.
• Headed the Partners cluster (30 people), leading the redesign of systems including complex payment gateways, pricing engine, partner data management system, partner dashboard, webhook engine, and an orchestrator for order verification with manufacturers.
• Pioneered the design of multiproduct Buy Now Pay Later solutions, integrating payment gateways with major loan providers like HDFC, ICICI, and IndusInd Bank.

Aug 2019 – Mar 2020 · 7 mos · Bengaluru Area, India

• Worked as lead for RazorayX. Delivered architecture and design for approval workflow engine for payouts.

Apr 2018 – Aug 2019 · 1 yr 4 mos · Bengaluru Area, India

• Breaking down large scale projects into manageable chunks
• Lead, designed and developed several microservices including LOS, LMS, Merchant App etc.
• Developed the company’s strategy for using technological resources
• Evaluated and implemented new systems and infrastructure
• Developed technical aspects of the company to ensure alignment with its business goals

Feb 2016 – Mar 2018 · 2 yrs 1 mo · Bengaluru Area, India

• Initial member of technical team, involved in every aspect starting from hiring tech team, architecting and coding various microservices required to build FinTech platform, to launching the AWS instance till production support of developed applications. Recent products: Sales app for internal teams, Merchant app for customers, CRM for internal team etc.
• Roles and Responsibilities as SDE-3:
• Key member in expanding/building tech team from 3 to 28
• Experience on architecting, and coding products from scratch
• As its startup n limited on people - product, people and infrastructure (AWS) management as an add-hoc responsibilty
• Tech Stack: RoR, Java, MySql, AWS

Sep 2014 – Feb 2016 · 1 yr 5 mos · Bangalore, India

• Enhanced the ingestion system by processing multi-terabyte event streams from the website using Kafka, supporting critical business decision-making.
• Developed a comprehensive data abstraction layer, incorporating features like validation, schema management, lifecycle management, dependency management, and versioning.
• Built and optimized MapReduce jobs to enrich the web-analytics framework, generating key logistics statistics and insights.

Jun 2014 – Aug 2015 · 1 yr 2 mos · Bangalore

• Portal for exam material for different quantitative exams,
• Portal was launched with preparation materials and MCQ tests for OCPJP and Aptitude tests.
• It has several sample tests, results are analyzed in details and identifies the strong/weak areas which could help plan better studies.
• Website has admin console through which all the users, tests papers, and other data can be managed.
• Sole developer for end to end development and maintenance.
• Tech Stack: Groovy on Grails, MySql
• Current Status: Closed, unit economics didn't work out.

Aug 2012 – Aug 2014 · 2 yrs · Bangalore, India

• Project Title:
• Modeling Platform
• Project Description:
• Modeling Platform is a tool used by modelers to predict the future spend on advertisement so as to earn maximum sale and thus profit. Tool takes some historical sales data from user and pulls supporting data from Google Analytics, and various future expenditure models can be built using this data. All these models can be simulated with different parameters over period of time,geography or product. The best possible model is chosen and given to the customer.
• Roles and Responsibilities:
• Single member in backend team responsible for all backend deliverable following SDLC, mainly using Java and hibernate.
• Engaged and collaborated with US counterparts for requirement gathering,
• Design and develop features following the scrums (Agile Methodology),
• Involve in writing requirement and design document specifications,
• Develop the backend features mainly in JAVA and other required technologies.
• Write unit test case, and test code using developers test (Junit)
• Integrate backend feature with other products in the company
• Collaborate among other teams for performing end to end integration for this features that spanned across multiple components.
• Engage with clients to check deliverable satisfaction and take feedback.
• Deliver the client feedback to entire team and fulfill the add on requests if any.
• Deploy the developed features on production server.
• Additional:
• Part of interview panal.

Jul 2011 – Jul 2012 · 1 yr · Bangalore, India

• Project Title:
• Cross Channel POS (Point Of Sale)
• Project Description:
• Project is aimed at developing a first web-based IN-STORE POS solution. POS is a billing machine which we generally see in any shops now a days.
• Some of the project features are in-Store offline server for 100% availability, Systems Management for remote management for s/w and h/w management of any POS from remote central location, Uses Sterling Commerce as business logic of the product , Various reports for sales with controls in user hands.
• Responsibilities:
• Design and develop features following the scrums (Agile Methodology)
• Involve in writing design document specifications and test cases for this features.
• Engaged and collaborated with US counterparts for design and requirement collections.
• Develop the features in JAVA and other required technologies.
• Write JUNIT test cases for the code that is developed.
• Collaborate amongst teams for performing end to end integration for this features that spanned across multiple components.