AJAY M

Software Engineer

Bengaluru, Karnataka, India3 yrs 9 mos experience
Highly Stable

Key Highlights

  • Reduced loan processing time by 91% through automation.
  • Secured $200K funding for company expansion into Malaysia.
  • Engineered AI solutions saving over $100K annually.
Stackforce AI infers this person is a Backend Engineer specializing in Fintech solutions with a focus on automation and microservices.

Contact

Skills

Core Skills

MicroservicesAws LambdaFintech Integrations & ComplianceRest ApisMachine Learning

Other Skills

Go (Programming Language)PostgreSQLEventBridgeSQSCamundaPython (Programming Language)FlaskAmazon Web Services (AWS)GitHub CopilotAppsmithNode.jsNo-Code DevelopmentEvent-Driven ArchitectureAutomationWorkforce Development

About

I build scalable backend systems that automate loan origination, underwriting, and credit decisioning platforms across Southeast Asia, enabling faster, reliable financial workflows at scale. Backend Engineer at Funding Societies, specializing in Golang microservices, AWS serverless (Lambda), event-driven architectures, and high-performance FinTech APIs powering multi-country lending platforms. IMPACT - Reduced loan processing time from 3 hours to 20 minutes (91% faster) through workflow automation - Integrated multiple third-party credit bureau and data vendors across SEA markets - Engineered AI-powered bank statement parser, reducing processing time by 85% and saving $6K+ monthly - Delivered $26K+ annual infrastructure savings through system optimization and automation - Led MVP engineering that secured $200K funding and expanded operations into Malaysia - Maintained 100% uptime for mission-critical financial processing pipelines - Automated 30,000+ loan pre-screenings monthly, improving approval turnaround and operational efficiency TECHNICAL EXPERTISE Golang • AWS Lambda • Microservices • Event-Driven Architectures • Distributed Systems • REST APIs • PostgreSQL • Node.js • Python • Serverless Platforms • FinTech Integrations & Compliance RECOGNITION - Patent holder: Blockchain–IoT marketplace (App No. 202241043879) - Published researcher: PCCDS 2022 Conference - National Hackathon Runner-Up (CSI Chennai) BEYOND TECH Tamil poet with 110K+ followers, programming mentor, and hands-on workshop instructor helping students and developers transition into real-world backend engineering. Open to connecting with engineers, founders, and global teams building FinTech platforms, distributed systems, and building systems at scale.

Experience

3 yrs 9 mos
Total Experience
3 yrs 9 mos
Average Tenure
3 yrs 9 mos
Current Experience

Funding societies | modalku group

3 roles

Software Engineer (L4)

Promoted

Jul 2024Present · 1 yr 10 mos · Remote

  • Engineered an AI-powered bank statement parser that eliminated $100K+/year in vendor costs (81% reduction) by routing Malaysia's top 5 banks through internal processing with automated fallback - zero manual intervention required.
  • Built a fully serverless document linking pipeline (AWS Lambda + EventBridge + SQS) that cut document retrieval time by 70% and recovered 20+ hours of manual work per week - deployed with zero downtime.
  • Contributed to migrating legacy Java services to a Node.js using AI Agents, significantly reducing infrastructure overhead and improving horizontal scalability.
  • Designed a centralized risk decisioning engine supporting 6 entity types; ensured 100% audit compliance and prevented cross-system fraud propagation.
  • Accelerated delivery cycles by 86% (from 4 weeks to 5 days) by delivering a compliance automation platform using AI-assisted development and no-code tooling.
  • Orchestrated multi-vendor credit bureau integrations with 20+ validation layers, automating 90% of loan pre-screenings for 30,000+ monthly applications.
  • Owned production reliability across core financial pipelines — resolved 400+ incidents with 75% same-day closure rate, maintaining high availability for systems processing 30,000+ monthly loan applications.
Go (Programming Language)PostgreSQLMicroservicesAWS Lambda

Software Engineer (L3)

Jul 2022Jun 2024 · 1 yr 11 mos · Remote

  • Architected customer onboarding MVP with 95% successful conversion, securing $200K funding and enabling company expansion into the Malaysian market.
  • Engineered a high-throughput loan processing platform handling 30,000+ monthly applications with a consistent ~500ms API response latency.
  • Built an Instant Approval system with vendor Perfios API, reducing bank statement parsing time by 85% and slashing support tickets by 97%.
  • Automated Loan Renewal workflows, eliminating 30 hours of manual processing weekly (99% reduction, from 30 hours to 15 minutes).
  • Designed a pre-screening microservice for micro-loans, automating 90% of Questnet validations and saving 20+ hours of manual review weekly.
  • Developed a serverless Auto Top-Up platform (AWS Step Functions), reducing operational workload by 80% and generating $150K in annual savings.
Go (Programming Language)REST APIsMicroservicesFinTech Integrations & Compliance

Software Engineer Intern

Jan 2022Jun 2022 · 5 mos · Remote

  • Engineered and deployed microservices integrating 12+ internal services, reducing loan application processing time by 90%
  • Designed automated loan origination and underwriting workflows using Camunda, streamlining financial processing across Southeast Asia
  • Integrated CLIK credit reporting APIs, saving $20K annually, reducing system latency 30%, and decreasing production issues by 75%
  • Refactored legacy codebases and service integrations, improving maintainability, readability, reducing complexity, and enabling long-term scalability
  • Increased unit test coverage to 85% for critical services and 95% for new APIs, strengthening system reliability, deployment confidence, and regression prevention
Go (Programming Language)REST APIsMicroservices

Zoho corporation

Summer Intern

May 2021Jul 2021 · 2 mos · Chennai, Tamil Nadu, India · Remote

  • Learned and applied core ML/DL concepts from scratch, implementing model inference pipelines, data preprocessing, and REST-based integration for real-time and static image workflows
  • Built end-to-end web applications for face mask detection, face recognition, and facial landmark detection, integrating Flask APIs with deep learning models including MobileNetV2, Siamese Networks, and MTCNN
Python (Programming Language)Machine Learning

Education

Coimbatore Institute of Technology

Bachelor's degree — Information Technology

Aug 2018May 2022

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