Ashwini Kumar

Backend Engineer

Bengaluru, Karnataka, India2 yrs 10 mos experience

Key Highlights

Led successful revamp of CRM authentication systems.
Designed scalable microservices for credit card onboarding.
Improved product performance for 700+ real estate agencies.

Stackforce AI infers this person is a Backend Engineer specializing in Fintech and SaaS solutions.

Contact

ashwinikumarnit19@gmail.com LinkedIn

Skills

Core Skills

Api DevelopmentMicroservicesUser Experience DesignBackend DevelopmentPayment ProcessingDashboard Development

Other Skills

AdyenAgile MethodologiesAlgorithmsAngularBack-End Web DevelopmentC++Computer ScienceDashboard OptimizationData StructuresDesign PatternsDocumentationElasticsearchFraud ChecksGitlabJava

About

As a results-driven Software Development Engineer, I specialize in building high-performance APIs, optimizing backend systems, and enhancing product analytics. With a B.Tech in Computer Science from NIT Patna, I have excelled in the fintech and SaaS sectors, delivering scalable and efficient solutions. At Uni Cards, I have led the revamp of authentication and authorization for CRM systems, improving security, user onboarding, and backend event integrations. My work has streamlined processes, enhanced system reliability, and optimized operational efficiency. Previously, at FlashHouse India (Fello), I improved permission management, agent tracking, and user experience for 700+ U.S. real estate agencies. Proficient in C++, Java, TypeScript, and SpringBoot, I take ownership of critical projects and thrive in fast-paced environments. My proactive approach emphasizes continuous learning, mentorship, and collaboration, ensuring the delivery of high-quality, scalable solutions. By integrating feedback and refining best practices, I drive innovation and contribute to team success. I am passionate about solving complex problems and pushing the boundaries of software development. Always eager to take on new challenges, I remain committed to making a lasting impact through technology and innovation.

Experience

2 yrs 10 mos

Total Experience

1 yr

Average Tenure

10 mos

Current Experience

Cred

Backend Engineer (L4)

Aug 2025 – Present · 10 mos · Bengaluru, Karnataka, India · On-site

Building Cred Cash 💰

Uni cards

2 roles

Software Engineer 2

Promoted

Jan 2025 – Jul 2025 · 6 mos · On-site

> Uni BOB Credit Card Onboarding: Designed and independently led the end-to-end onboarding flow for the BOB co-branded credit card, including KYC/VKYC, fraud checks, limit evaluations, and regulatory compliance. Developed 7 scalable microservices with secure, vendor-isolated integrations while mentoring junior developers.
> Uni Yes Bank Card Funnel Optimization: Spearheaded onboarding enhancements such as address enrichment, VKYC drop-off analysis, biometric KYC integration, and pincode-based risk assessment. These efforts improved funnel performance by 20% and enabled onboarding of 12,000+ Yes Bank cards monthly.
> CRM Authentication and Authorization Revamp: Migrated 1,500+ CRM agents to OAuth 2.0 via Google and restructured authorization using an internal platform. Built high-throughput APIs capable of handling 25,000 RPM for CRM auth operations.
> Robust Third-Party KYC Integrations: Successfully integrated with Perfios, Signzy, MBS, Yes Bank, and BOB to strengthen KYC, VKYC, biometric KYC, and address enrichment workflows, ensuring secure and compliant onboarding processes.

OAuth 2.0MicroservicesAPI DevelopmentKYCFraud ChecksVendor Integration

Software Engineer 1

Feb 2024 – Jan 2025 · 11 mos · On-site

Building next generation Credit Cards with User Onboarding and KYC Tech Team

Fello

Software Engineer

Jul 2023 – Feb 2024 · 7 mos · Hyderabad, Telangana, India · Remote

Core Engineering Team
> Enhanced Agent Assignment Tracking: Revamped custom user dashboard to optimize Agent assignment tracking, ensuring seamless handling of 50,000+ monthly leads from the Lead Generation Platform. Improved real-time monitoring and traceability, enhancing overall operational efficiency.
> Revamped UX for 700+ US real estate agencies.: Transformed the user experience for 700+ real estate agencies and brokerages in the USA by redesigning user registration processes and optimizing custom dashboard widgets, resulting in improved journey touchpoints. Enhanced product usability, elevating user satisfaction and efficiency.
> Enhanced Product Performance via Migration: Improved filter response time by 30% through MongoDB to Elasticsearch data migration, enhancing product performance and efficiency.

User Experience DesignMongoDBElasticsearchDashboard OptimizationBackend Development

Olx group

Software Engineer Intern

Jan 2023 – Jun 2023 · 5 mos · Gurugram, Haryana, India · Remote

Payments and Promotion Team
> Improved Payment Flow & Reduced Failures: Accomplished successful execution of PDCT and CDCT initiatives, ensuring seamless provider-consumer flow in the payment service. Thoroughly documented processes for team reference while ensuring the pipelines failure rate is reduced by 50%.
> Developed Redash Dashboards for Global Teams: Developed real-time dashboards for 3 countries using Redash and MySQL. Empowered 5 internal teams with live data insights and visualizations, handling the data of 20,000 monthly transactions.
> Turkish Payments Innovation via PayU: Led pioneering Payments Capability creation in Turkey Market via PayU payment gateway. Created end-to-end POC and RFC documentation & presented to stakeholders, driving potential 2000+ monthly high-ticket transactions of cars.

Payment ProcessingDashboard DevelopmentDocumentation