Apr 2023 – May 2024 · 1 yr 1 mo

• Continued engagement with PPBL Product Services:
• Overseeing:
• 1. Implementing the new product offerings and feature enhancements for multiple bank products (Account, Card, DBT, Cheque Book, Fixed Deposit, Bank Mandate , Virtual Account Number, Operational Risk Framework).
• 2. Orchestrating the architectural refinement of Product Services to accommodate scale and ongoing divers changes, including the breakdown of services into distinct microservices—Product Onboarding Service, Product Service, and Card Service.
• 3. Executing a comprehensive technology upgrade initiative, seamlessly upgrading Java, Cassandra, and Elastic Search without any downtime.
• 4. Implementing a tech initiative for database revamp and migration to a new DB setup, API performance improvement, enabling caching,  creating lightweight APIs, and migrating existing APIs.
• 5.Establishing multiple reconciliation and reporting setups to identify gaps and discrepancies in implemented business processes, and proactively addressing and rectifying them.
• 6. Driving cost optimisation and savings initiatives by refining and rearchitecting the tech implementation.
• 7. Enabling AI tools or generative AI to enhance day-to-day tech implementation for the team.
• 8. Establishing the disaster recovery infrastructure for the services.
• 9. Implementing a BackOffice panel to dynamically adjust application behavior at runtime without requiring deployment, achieved in just near real time.
• 10.Forge a highly skilled, more focused, and engaged team to deliver top-notch banking services to our esteemed customers, showcasing an exceptional success rate, rapid response times, and uninterrupted service
• Team Size -  25

May 2022 – Apr 2023 · 11 mos

• Paytm Payment Bank - A leading financial institution committed to providing top-notch banking services to our valued customers, boasting an exceptional success rate, swift response times, and uninterrupted service.
• In my current role, I am spearheading the comprehensive development and enhancement of the Paytm Payments Bank, ensuring its seamless operation. I meticulously manage Bank Product Services, overseeing the entire life cycle of products such as Current Accounts, Savings Accounts, Individual Current Accounts, Cards, Cheques, and Direct Benefit Transfers (DBT).
• Key Responsibilities Include:
• 1. Accounts: Streamlining account onboarding, managing account upgrades/downgrades, and handling all types of account operations.
• 2. Cards: Facilitating card orders, overseeing card issuance, managing activations, and handling various card-related operations.
• 3. Bank Mandate: Establishing bank mandates and ensuring timely presentment in accordance with due dates.
• 4. Dakia: Efficiently managing order processes, courier logistics, and vendor assignments for the delivery of cards, address verification letters, and cheque books.
• 5. Direct Benefit Transfer (DBT): Enabling seamless receipt of credits directed by government schemes through DBT.
• Technology Stack:
• Development:
• Java, Spring Boot, Micro Services
• Kafka, Elastic Search, Active MQ
• SPRING JPA, Hibernate
• Cassandra, MySQL, Proxy SQL
• HTTP Client, Git, GitHub Copilot
• SFTP, AWS S3
• Deployment:AWS, Kubernetes, Jenkins, Docker
• Monitoring:Uptrace, New Relic, Kibana, Grafana
• Documentation: Swagger and Github Copilot
• Web/App Server: Tomcat, Nginx
• Operational Metrics:
• Scale: Handling up to 5 lac requests per second, encompassing both read and write operations.
• Team Size: A dedicated team of 22 professionals.

Apr 2021 – Apr 2022 · 1 yr

• International Remittance
• Building International Remittance Switch to enable PPBL's customers to seamlessly receive money from abroad (Inward Remittance ) under RBI Money Transfer Service Scheme .
• This project encompasses some modules :
• 1. Reconciliation Framework : To take the partially completed or pending transaction to the desired state after cycle completed.
• 2. Reporting Module : To publish the daily or weekly summary providing comprehensive monitoring insights.
• 3. Jobs :
• Facilitating retry and callback mechanism for stuck cases , taking the pending transaction to terminal state at the earliest.

Apr 2019 – Apr 2021 · 2 yrs

• Rupay Acquiring Switch
• Design and developed PPBL Rupay Acquiring Core Switch from scratch to support ecom transactions.
• Completed multiple rounds of rigorous certification from NPCI for launch.
• AEPS (Aadhar Enabled Payment System)
• Created AEPS core platform for PPBL to support payment using Aadhar.

Oct 2017 – Apr 2019 · 1 yr 6 mos

• UPI Switch
• Created UPI Core Switch which supports ~15 million daily transactions.
• Recon Engine (Fast and Highly scalable)
• Developed Reconciliation Engine to ensure correct fund movement between various entities and acting as a check against any bug creep in the realtime payment system.
• It takes few mints to reconcile ~10 million records.

Apr 2016 – Oct 2017 · 1 yr 6 mos · Gurgaon, Haryana, India

• Modern Trade System
• Developed modern trade system to manage HK product sell in supermarkets and hypermarkets.

Jun 2014 – May 2016 · 1 yr 11 mos · Noida, Uttar Pradesh, India

• IBPS -Intelligent Business Process Management System
• iBPS Case Management :
• Worked upon designing and development of new features which strengthen iBPS to handle unstructured flow of business process.
• iBPS Analytics :
• Build an application which consume business process''s historical data and provide the suggestion for next activity / step.
• iBPS Simulator
• Worked upon development of automatic scenario creation from historical data to run simulation of a business process.
• Hivr EasyCM(Easy Case Management System)
• Worked upon on a case management solution that would assist knowledge workers across glob to manage their work swiftly through powerful yet intuitive tools of case management.