Neeraj Kukreti

CTO

Singapore, Singapore15 yrs 7 mos experience

Most Likely To SwitchHighly Stable

Key Highlights

14 years of experience in building internet-scale software products.
Led engineering teams across four countries.
Expert in Fintech innovation and greenfield product development.

Stackforce AI infers this person is a Fintech expert with extensive experience in engineering leadership and product development.

Contact

Skills

Core Skills

Engineering ManagementLeadershipFinancial TransactionsProduct DeliveryTechnical DirectionApi DevelopmentTechnical Architecture

Other Skills

Software ManagementTeam ManagementKey Performance IndicatorsRoad MapsBusiness InsightsSkill DevelopmentWhiteboardingOptimisingStrategyLedger ManagementTeam CultureStakeholder RelationsBusiness RequirementsDefining RequirementsLoan Origination

About

Engineering Leader with 14 Years of experience building internet-scale software products across Fintech, E-commerce, Telecom etc. Implemented numerous greenfield initiatives leveraging cloud platforms (GCP/AWS etc) in different capacities over the years (Individual Contributor, Lead, Architect, Engineering Manager, Senior Engineering Manager) and scaled to reach million+ end users. Leading global engineering teams distributed across 4 countries. Key Skills: Strategic Leadership | Engineering Architecture | Engineering Roadmap | Team Scaling | Fintech Innovation | Greenfield Product Development | Engineering Management | Cross-Functional Collaboration | Hiring Top Talent | OKR Implementation | Budget.

Experience

15 yrs 7 mos

Total Experience

2 yrs 7 mos

Average Tenure

6 yrs 9 mos

Current Experience

Goto group

4 roles

Head of Engineering

Promoted

Jan 2026 – Present · 4 mos

Software ManagementEngineering ManagementTeam ManagementLeadership

Senior Software Engineering Manager

Jan 2024 – Feb 2026 · 2 yrs 1 mo

Engineering leader on a mission to improve the lives of millions across Southeast Asia, facilitating their journey towards realizing their dreams by offering seamless and responsible access to credit through innovative Fintech solutions.
Overseeing multiple lending products offered across GoJek, GoPay, Tokopedia, and TikTok platform while leading various product engineering teams. Scaled Lending products under the Pinjam brand to serve over 1 million MTUs, handling high-ticket loan values.
GoPay Pinjam (GoJek / GoPay / Tokopedia / Tiktok App)
Vehicle Financing (GoJek / GoPay App)
GoModal (Merchant Lending offering in GMA App - GoTo Merchant App)
Toko Capital (Productive loan offering for Tokopedia Seller App)
Institutional Financing (Settlement / Invoice financing)

Technical DirectionSoftware ManagementKey Performance IndicatorsRoad MapsAPI DevelopmentBusiness Insights+19

Software Engineering Manager

Promoted

Jan 2021 – Jan 2024 · 3 yrs

Led the GoTo's Lending Core Platform engineering team, overseeing critical systems for loan book management, repayment systems, and credit/account.
Expanded the platform to support GoTo’s BNPL and institutional lending products (including settlement and invoice financing), scaling to serve up to 2 million Monthly Transacting Users (MTUs).
Focused on building scalable distributed systems using Java, Spring Boot, Kafka, Redis, and Kubernetes on GCP.
Later, leadership moved me to lead the engineering effort to build and launch GoPay Pinjam — GoTo’s flagship cash loan product — from the ground up.
Acted as architect, engineering lead, and stakeholder manager, driving technical execution while aligning with product, risk, and operations teams. The product evolved into one of the key lending offerings in GoTo Finance.
As part of the above, built and matured high-performing teams through hands-on mentorship and strategic hiring, including many fresh or transitioning engineers.

ReliabilityMultinational Team ManagementCommunicationStrategic InitiativesTechnical DirectionTechnical Recruiting+42

Lead Software Development Engineer

Jul 2019 – Dec 2020 · 1 yr 5 mos

Built GoTo’s in-house lending platform from scratch, laying the foundation for loan application processing, customer management, and risk & operations systems.
Led end-to-end development, from designing scalable system architectures to implementing core backend services.
Worked hands-on across technical design, coding, and system integration, while mentoring junior engineers and fostering best practices in engineering.
Played a key role in setting technical direction and collaborating with cross-functional stakeholders across product, data, and risk teams.

ReliabilityClean CodingTeam ManagementAPI DevelopmentTechnical ArchitectureWhiteboarding+14

Equinix

Senior Software Developer

Aug 2017 – Jul 2019 · 1 yr 11 mos · Singapore · On-site

Joined Equinix Singapore as part of the Global Interconnection Product team. During the same, worked with a larger product engineering team to re-architect our Interconnection product to overcome issues with the existing stack around performance/scalability/maintenance etc.
As Senior engineer worked on the Design and implementation to move the Customer Platform layer from NodeJS to Java-based microservices using Spring Cloud technology.

Clean CodingAPI DevelopmentTechnical ArchitectureBack-End Web DevelopmentN-tierProblem Solving

Nearbuy (formerly groupon india)

Principal Software Engineer

Jun 2015 – Aug 2017 · 2 yrs 2 mos · Gurgaon, India · On-site

I Joined Nearbuy as a core member of the founding engineering team with the mission to create a hyper-local e-commerce platform tailored for the Indian market, and to spearhead its expansion to serve millions of users.
My role involved conceptualizing, designing, and implementing several pivotal products from the ground up, employing Micro Service Architecture and NoSQL database technology (Mongo) as the underlying infrastructure to underpin our hyper-local business.
Notable products I contributed to include:
Promo Platform: Developed a sophisticated platform that empowered our Go-to-Market (GTM) teams to leverage discounts strategically, enhancing our user acquisition at the top of the sales funnel. This initiative played a crucial role in scaling our user base and improving user retention.
Merchant Payments System: Acted as lead to create a robust payment system that streamlined transactions between our platform and the merchants. This system also seamlessly integrated with SAP HANA, addressing financial and regulatory compliance requirements, thus enhancing the overall efficiency of our operations.

Clean CodingTechnical ArchitectureEngineering ManagementBack-End Web DevelopmentN-tierProblem Solving

Comverse technology, inc.

Software Development Engineer

Oct 2013 – Jun 2015 · 1 yr 8 mos · Gurgoan

Worked as a part of team to build CRM Solution on the top CSS (Comverse Self Service) platform.
Solution developed was integrated with KenanFx to enable core billing functionalities.
Role involve working closely work with BAs and product owners to analyze and refine requirement and implement as part of different milestone.
Project was driven by Agile methodology involving bug fixes/support for milestone delivered to client along with current assignment/milestone.

Technical ArchitectureBack-End Web Development

Tata consultancy services

System Engineer

Dec 2010 – Sep 2013 · 2 yrs 9 mos · Mumbai Area, India

Worked as Java Developer to build software solutions using Java+Web technology stack for various General Electric Business Verticals.
Worked on JAVA, JSP, HTML5, REST, Jquery, Memcache, Oracle 11g, Bootstrap etc to build/enhance web based solutions for General Electric.

Technical ArchitectureBack-End Web Development

Oati

Associate Software Developer

Jul 2010 – Nov 2010 · 4 mos · Mohali

Worked as an individual performer on product providing energy trading solution to MISO Energy.
Involved in product enhancement, debugging, bug fixing and troubleshooting
Ensured timely and quality delivery
Coordinated with system testing team for bug fixing during system testing phase

Technical ArchitectureBack-End Web Development