Nilakshi Lo — Backend Engineer

I’m a senior backend engineer building and operating high-throughput payment systems where correctness is non-negotiable. Over 5+ years at Microsoft and PhonePe, I’ve owned backend services end-to-end across platform and payments domains — designing distributed Java systems running at tens of thousands of RPS and making deliberate trade-offs around reliability, idempotency, failure handling, and data consistency in production. My work has improved system performance, reduced infrastructure and transaction costs, and strengthened payment flows for users and merchants at scale. My interest in systems began through competitive programming in college (ICPC regionals, CodeChef 4★), which shaped how I approach problem solving and system design. What I find most meaningful about financial systems is their real-world impact — improvements to latency, correctness, or reliability directly affect millions of transactions and the people and businesses behind them. I take pride in building systems that remain predictable and resilient under real financial workloads. I’ve grown by owning ambiguous problem spaces, driving critical flows from design to production, and simplifying systems by operating them under real load. I’m now focused on building and evolving large-scale backend platforms and financial infrastructure, with deeper ownership of distributed system design, reliability, and long-term technical direction.

Stackforce AI infers this person is a Backend Engineer specializing in Fintech with a focus on distributed systems.

Location: Bengaluru, Karnataka, India

Experience: 6 yrs 5 mos