Ayush Raj

Software Engineer

Bengaluru, Karnataka, India4 yrs 8 mos experience

Most Likely To SwitchAI Enabled

Key Highlights

Expert in building scalable payment systems.
Proven track record in optimizing payment workflows.
Strong background in event-driven architectures.

Stackforce AI infers this person is a Backend Engineer specializing in Fintech with expertise in scalable payment systems.

Contact

Skills

Core Skills

PaymentsApi DevelopmentMicroservices

Other Skills

Payment Card ProcessingBanking SoftwareProactive MonitoringSQLCaching PatternsSpring BootDatabase ModelingRedis CachingPythonUI DevelopmentAWS LambdaPython (Programming Language)Machine LearningConceptual DesignService Optimization

About

I am backend software engineer with ~4 years of experience building scalable, fault-tolerant systems, mainly in the payments and distributed systems space. I’ve worked extensively with Java and Kafka, designing event-driven architectures that handle high-throughput, high-reliability workflows like RTGS/NEFT payments. My work focuses on solving real production problems idempotency, retries, exactly-once processing, state consistency, and failure recovery the kind of issues that don’t show up in diagrams but matter a lot in real systems. I enjoy working close to the core of the system: designing state-machine-based workflows, making systems resilient to crashes and duplicate events, and ensuring data correctness even under retries and partial failures. I care deeply about clean design, correctness, and production readiness, not just making things “work”. I like understanding why things fail, Kafka rebalances, consumer lag, duplicate callbacks, race conditions and building systems that can handle those failures gracefully.

Experience

4 yrs 8 mos

Total Experience

1 yr 9 mos

Average Tenure

2 yrs 5 mos

Current Experience

Birla pivot

SDE-2

Jan 2024 – Present · 2 yrs 5 mos · Greater Bengaluru Area · On-site

Aditya birla (pivot)

Software Engineer

Jan 2024 – Present · 2 yrs 5 mos

Automated RTGS & NEFT payment workflows, enabling 300-400 crore/month payout processing by integrating secure banking APIs (mTLS, encryption), eliminating 100% manual finance operations. Designed and implemented end-to-end Turnover Discount (TOD) computation and vendor credit automation, reducing credit settlement time from T+7 days to T+0. Resolved high-priority production incidents and introduced proactive monitoring, reducing payment-related escalations. Improved service reliability by optimising SQL queries, caching patterns, reducing API latency by 25–30% across critical payment flows.

Payment Card ProcessingBanking SoftwareProactive MonitoringSQLAPI DevelopmentCaching Patterns+1

Jumbotail

2 roles

Software Development Engineer

Dec 2021 – Dec 2023 · 2 yrs

Currently Working with Fintech team

Spring Boot

Software Engineer

Dec 2021 – Dec 2023 · 2 yrs

Engineered a lender-agnostic integration layer that onboarded 3 third-party lenders, transitioning credit exposure away from internal capital and increasing company cash flow by 40% to scale core business operations. Designed and launched a task-management microservice handling 50K+ monthly tasks for credit collection, reducing manual effort by 70% and improving SLA compliance. Owned low-level design, API development, and database modeling for multiple microservices, improving cross-team collaboration through versioned service contracts. Enhanced system stability by resolving high-frequency customer issues and optimising heavy-read APIs using Redis caching, query optimisations improving read throughput by 10×.

API DevelopmentDatabase ModelingMicroservicesRedis Caching

Google summer of code

Google summer of code 2019 intern at Redhenlab

May 2019 – Aug 2019 · 3 mos · Redhenlab(Remote)

Planned, designed and developed a Gesture Annotator Tool to visualize and validate human-pose
extracted from ancient paintings under the mentorship of Leo Impett, with over 2000 lines of the
codebase.
Developed the UI and integrated the plotting features with backend API and deployed in singularity.
Build web scraper in python to get the GBs of data and optimised code with URL table and local caching