Utpal Chowdhury

Senior Software Engineer

New Delhi, Delhi, India10 yrs 10 mos experience
Highly Stable

Key Highlights

  • Led a team to develop scalable payment systems.
  • Successfully integrated with major financial institutions.
  • Enhanced customer experience through innovative solutions.
Stackforce AI infers this person is a Fintech expert with strong backend development and systems design capabilities.

Contact

Skills

Core Skills

Systems DesignRest ApisFull-stack DevelopmentBackend Development

Other Skills

Apache KafkaCassandraJSON Web Token (JWT)MongoDBCouchbaseASP.NET MVCLow-Level DesignHigh-Level DesignNoSQLAmazon Web Services (AWS)SQLJava DevelopmentAlgoCore JavaSpring Framework

About

As a Senior Technical Lead Engineer at Paytm, I leverage over 9 years of experience to design and develop scalable, reliable systems for the Recharge & Bill Payment vertical. I hold a Master of Technology (M.Tech.) in Computer Science from the Indian Institute of Technology, Roorkee, one of India's most prestigious institutions. I lead a team of 6 engineers, overseeing all recharge-related transactions. I have also managed key financial services such as Credit Card Bill Payment and Rent Payment, successfully integrating with NPCI, Axis Bank, PPBL Bank and Euronet. I am passionate about solving complex challenges and delivering high-quality solutions that enhance customer experience and satisfaction.

Experience

10 yrs 10 mos
Total Experience
3 yrs 2 mos
Average Tenure
1 yr 2 mos
Current Experience

American express global business travel

Senior Software Development Engineer

Mar 2025Present · 1 yr 2 mos · Gurugram, Haryana, India · Hybrid

Paytm

3 roles

Senior Technical Lead

Apr 2024Mar 2025 · 11 mos · Noida, Uttar Pradesh, India

  • 1. Leading a 6-member team to manage a highly scalable Credit Card Bill Payment system at Paytm. Key highlights include implementing 16-digit virtual number-based payments, ensuring compliance with NPCI guidelines such as PCI DSS, processing a high volume of bills, and enabling automatic bill payments.
Systems DesignApache Kafka

Technical Lead

Promoted

Apr 2022Apr 2024 · 2 yrs · Noida, Uttar Pradesh, India

  • 1. Led a 6-member team to develop and manage a highly scalable, fault-tolerant core Fulfillment System for handling all types of recharge and bill payments on the Paytm platform.
  • 2. Developed an intelligent and efficient Operator Down Service to ensure a seamless experience for recharge and bill payments, even when the operator is down, resulting in a 10% increase in vertical revenue.
  • 3. Led a 3-member team to manage the Rent Payment Service at Paytm, supported by Axis Bank and PPBL Bank.
Systems DesignCassandra

Senior Software Engineer

Nov 2019Apr 2022 · 2 yrs 5 mos · Noida, Uttar Pradesh, India

  • 1. Worked on multiple projects with NPCI to handle BOU and COU traffic.
  • 2. Worked on a highly scalable payment gateway service, integrating with various third-party operators (telecom, electricity, gas booking) to facilitate all types of recharge and utility bill payments on the Paytm platform.
JSON Web Token (JWT)REST APIs

Byju's (think & learn pvt. ltd.)

Senior Software Developer

Jun 2018Nov 2019 · 1 yr 5 mos · Bengaluru Area, India

  • 1. Developed a payment gateway service integrating with various payment providers such as PayU, Bajaj Finance, Paytm, Zest Money, and EzCred. This gateway enables students to purchase courses with assistance from Byju’s sales team.
  • 2. Worked as a full-stack developer and developed a complete order management system for Byju’s, enabling the sales team to punch orders. The key components of the application include order management, product management, payment gateway integration, and inventory management.
  • 3. Worked with AWS Batch, Lambda functions, and AWS Jobs for various purposes, including report generation, executing scheduled tasks, running CPU-intensive analytics jobs, and other diverse tasks.
MongoDBJSON Web Token (JWT)Full-Stack Development

Nagarro

Software Developer

Jul 2015Jun 2018 · 2 yrs 11 mos · Gurgaon, India

  • 1. Developed a role-based railway domain web application for forecasting railcar demand for the upcoming quarters, based on complex business logic.
  • 2. Worked on multiple web applications to migrate the security and authentication mechanism from Microsoft AzMan to a custom security provider built with NodeJS and CouchDB.
CouchbaseASP.NET MVCBackend Development

Education

Indian Institute of Technology, Roorkee

Master of Technology (M.Tech.) — Computer Science

Jan 2013Jan 2015

Kalyani Govt. Engg. College

Bachelor of Technology (B.Tech.) — Computer Science

Jan 2009Jan 2013

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