Nikhil Kassetty

CEO

United States12 yrs 9 mos experience
Most Likely To SwitchAI Enabled

Key Highlights

  • Expert in AI-driven fintech solutions.
  • Proven track record in cloud architecture.
  • Strong mentor and industry speaker.
Stackforce AI infers this person is a Fintech Architect specializing in AI-driven solutions and cloud architecture.

Contact

Skills

Core Skills

Cloud ArchitectureFintech SolutionsSpring BootSystem ModernizationFinancial SolutionsCustomer EngagementMicroservices ArchitecturePayment ProcessingClaims ManagementData ManagementResource ManagementApplication Modernization

Other Skills

AI-powered payment solutionsreal-time processingcompliancefintech integrationscustomer messaging systemsautomated data managementpricing and availability systemscredit card innovationsSoFi Rewards Systemmember benefits hubmicroservicesfraud detection mechanismssystem architectureIntegrated Claims Management SystemSpring MVC

About

As an AI-driven fintech architect, I specialize in designing and scaling secure, intelligent payment and compliance solutions that serve millions globally. My expertise spans leading innovation in cloud architecture, machine learning, and complex fintech integrations,making financial products smarter, safer, and more user-centric. I’ve delivered results for top-tier technology, government, and financial organizations, launching cross-functional projects that accelerate revenue, reduce risk, and unlock new digital capabilities. Recognized for bridging strategy and engineering, I mentor future tech leaders and build teams with a culture of excellence and trust. Passionate about advancing secure digital finance, I collaborate at the intersection of AI, cybersecurity, and operational reliability. Let’s connect to pioneer the next generation of transformative fintech solutions together

Experience

12 yrs 9 mos
Total Experience
1 yr 9 mos
Average Tenure
1 yr 11 mos
Current Experience

Gen ai global

Volunteer | Advisory Director, Finance & Technology Operations

Apr 2025Present · 1 yr · Remote

  • Advise on finance and technology strategies to accelerate global adoption of generative AI in industry and education. Support the AI-powered professional network, developed in collaboration with MIT Professional Education,to connect innovators and senior leaders, foster cross-sector collaboration, and drive the scaling of trustworthy, socially beneficial AI solutions. Champion best practices for digital transformation and data-driven decision-making in nonprofit and academic alliances

The digital economist

Executive Fellow

Apr 2025Present · 1 yr · Washington DC

  • Provide thought leadership, strategic insight, and cross-sector expertise to a global impact platform dedicated to advancing a human-centered digital economy. Collaborate with investors and innovators to launch programs supporting sustainability, digital transformation, decentralization, and data privacy.
  • Active speaker, thought leader, and active white paper author on technology, AI, fintech, sustainability, and blockchain. Regularly deliver talks, contribute to global conferences, and publish research to advance industry best practices and inspire responsible innovation in the digital economy

Intuit

Software Architect

May 2024Present · 1 yr 11 mos · On-site

  • Architected and led the delivery of AI-powered and agentic payment solutions that streamline financial operations for millions of users and businesses across 150+ countries. Designed resilient infrastructures supporting real-time processing, compliance, and seamless integrations with major banks, card networks, and fintech partners. Enabled advanced payment experiences spanning e-invoicing, checkout, subscriptions, billing, and third-party integrations, powered by intelligent and adaptive workflows for faster transactions, smarter financial services, and autonomous decision-making on global platforms.
  • Contributed to revenue and advertising-adjacent platforms by building data and workflow foundations that supported ad monetization, sales enablement, and customer engagement insights, enabling growth teams to better understand usage, performance, and revenue signals across digital surfaces.
  • Collaborated with cross-functional teams to advance automation, elevate reliability, and drive next-generation revenue intelligence. Played a key role in transformation initiatives that made financial and commercial operations more efficient, scalable, secure, and user-centric across global platforms.
AI-powered payment solutionscloud architecturereal-time processingcompliancefintech integrationsCloud Architecture+1

Home depot( hd supply)

Spring Boot Developer

Feb 2024May 2024 · 3 mos

  • Engaged as a consultant to provide architectural guidance and lead key modernization initiatives for critical backend systems. Focused on driving scalability, efficiency, and enhanced performance across core business operations.
  • Key Contributions
  • Customer Communications Modernization:
  • Redesigned and streamlined customer messaging systems to enable real-time notifications, improving engagement and delivering a more secure and efficient communication platform.
  • Automated Data Management:
  • Developed an automated framework for managing and cleaning notification data, enhancing database performance and system responsiveness while reducing manual intervention.
  • Optimized Pricing and Availability Systems:
  • Led efforts to optimize pricing and availability systems, enabling large-scale data processing with near real-time updates, significantly boosting operational efficiency.
  • Impact
  • Implemented architectural solutions that minimized system bottlenecks, improved operational performance, and elevated customer experiences, laying the foundation for scalable and future-ready business processes.
Spring Bootcustomer messaging systemsautomated data managementpricing and availability systemsSystem Modernization

Sofi

Staff Software Engineer

Apr 2022Jan 2024 · 1 yr 9 mos

  • Led the Member Growth, Benefits, and Payments teams, delivering innovative financial solutions across lending, credit cards, investments, and banking. Played a pivotal role in modernizing systems, enhancing member engagement, and driving operational excellence.
  • Key Achievements
  • Credit Card Innovations:
  • Developed and launched innovative credit card products with personalized features such as balance transfers and 0% APR offers, enhancing operational efficiency and responsiveness to customer needs.
  • Rewards System Expansion:
  • Rolled out a robust SoFi Rewards System that increased customer retention by 40% and introduced cryptocurrency rewards, driving engagement among crypto-savvy users and strengthening loyalty.
  • Unified Benefits Hub:
  • Centralized member benefits into a single, user-friendly hub, reducing customer service queries and improving accessibility to perks across multiple financial products, enhancing the overall member experience.
  • Operational Excellence:
  • Played a key role in enhancing collaboration and efficiency through strategic weekly sessions with engineers and the CTO, driving company-wide initiatives for operational improvements and innovation.
  • Comprehensive Impact:
  • Delivered seamless, personalized financial solutions that improved member satisfaction, streamlined financial experiences, and positioned SoFi as a leader in secure, innovative, and customer-centric financial services.
credit card innovationsSoFi Rewards Systemmember benefits hubFinancial SolutionsCustomer Engagement

Incomm payments

Software Engineer 3

Jun 2017Apr 2022 · 4 yrs 10 mos · Alpharetta

  • Led the design, development, and deployment of microservices to facilitate secure and efficient gift card and payment integrations for top merchants like Walmart, BestBuy, Albertsons, and many others, as well as global vendors such as Amazon, Apple, Netflix, Google, Microsoft, and more. Over five years, played a critical role in modernizing the architecture and scaling the platform to meet the needs of a diverse and growing network of partners.
  • Key Achievements and Impact
  • Reduced Fraudulent Transaction Risks:
  • Implemented strategic security enhancements, including advanced fraud detection mechanisms, achieving a 75% reduction in fraudulent transaction risks, safeguarding the ecosystem for merchants, vendors, and customers.
  • Modernized System Architecture:
  • Restructured and upgraded hundreds of services, transitioning to a scalable microservices architecture that ensured seamless integration with a wide range of merchants and vendors. This modernization significantly reduced integration timelines, enhancing agility and partner onboarding.
  • Scalable and Robust Systems:
  • Designed fault-tolerant, high-performance systems capable of processing millions of transactions daily while maintaining high uptime, reliability, and compliance with industry standards.
  • Comprehensive Ecosystem Impact:
  • Enabled efficient payment and gift card processing for a vast network of merchants and vendors, empowering companies across industries like retail, entertainment, and technology to deliver better customer experiences and drive growth.
  • Delivered a transformative payments platform that strengthened InComm Payments' position as a leader in the gift card and payments industry, providing innovative, secure, and scalable solutions for a rapidly evolving ecosystem.
microservicesfraud detection mechanismssystem architectureMicroservices ArchitecturePayment Processing

State of georgia

Senior Java Developer

Feb 2017Jun 2017 · 4 mos · Greater Atlanta Area

  • Enhanced the Integrated Claims Management System (ICMS) by adding new features and improving overall functionality. Played a key role in modernizing the application, ensuring seamless interactions between workers, employers, insurers, and government agencies. Leveraged modern frameworks like Spring MVC and JSF to enhance user experience and backend integrations, delivering a robust and scalable solution.
  • How the Enhancements Made a Difference
  • For Workers: Streamlined the claims process, reducing the time needed to file and track claims. Enabled faster access to benefits, providing much-needed financial stability during challenging times.
  • For Employers and Insurers: Simplified workflows improved efficiency in processing claims, fostering better collaboration and reducing administrative overhead.
  • For the State Board: Improved system reliability and scalability allowed the government to manage claims more effectively. Ensured compliance with state policies and optimized resource utilization to better serve Georgia’s workforce.
Integrated Claims Management SystemSpring MVCJSFClaims ManagementSystem Modernization

Usda

Java Developer

Nov 2014Feb 2017 · 2 yrs 3 mos · Greater St. Louis Area

  • Played a critical role in developing and modernizing key systems that supported broadband data collection and natural resource management. Delivered scalable, reliable solutions that streamlined data processing and improved operational efficiency. Collaborated with cross-functional teams to meet high standards of code quality and ensure seamless deployment in production environments.
  • Project: BCAS-DCS (Broadband Collection and Analysis System – Data Collection System)
  • Designed and implemented microservices to enhance system scalability and modularity. Modernized the UI for better usability and integrated workflows that improved data collection processes, enabling the government to track broadband access more effectively across underserved areas. Contributed to a more efficient deployment process, reducing system downtime and ensuring continuous support for decision-makers working to close the digital divide.
  • Project: NRCS (Natural Resources Conservation Service)
  • Developed services for accurate analysis of environmental data, including rainfall patterns, soil temperatures, and reservoir levels. These services supported government efforts to manage natural resources effectively, helping farmers, conservationists, and policymakers make informed decisions. Enhanced user interfaces improved accessibility for stakeholders, ensuring seamless access to critical data for planning and resource allocation.
  • Key Impact: Delivered systems that improved operational reliability, empowered better decision-making for resource management, and enhanced user experience for government personnel and stakeholders. These solutions played a vital role in advancing broadband access and sustainable agriculture, directly benefiting rural communities and conservation efforts nationwide.
microservicesdata collectionnatural resource managementData ManagementResource Management

At&t

Software GRID Engineer

Jan 2014Nov 2014 · 10 mos · Greater Atlanta Area

  • Backend System for Blacklisted Product Management – AT&T
  • Led the development and optimization of a backend system to streamline blacklisted product data management, ensuring operational efficiency and seamless data handling.
  • Project Leadership: Supervised the end-to-end development of a backend system, integrating it with a user-friendly interface tool for enhanced data management.
  • Strategic Planning: Defined project scope, timelines, and deliverables during the requirements phase, ensuring alignment with business objectives.
  • Data Process Optimization: Championed the optimization of data exchange processes, leveraging Oracle Golden Gate and Apache Active MQ for efficient and accurate product information handling.
  • Deployment Expertise: Played a critical role in deploying the application on Tomcat, contributing to improved operational workflows and seamless data synchronization.
  • Technical Innovation: Utilized Java, JMS, and Oracle Golden Gate to deliver a robust and scalable solution tailored to AT&T's needs.
backend system developmentdata managementData Management

Uspto

Java Developer

Sep 2013Nov 2013 · 2 mos · Alexandria, Virginia

  • Modernized a legacy application for USPTO's patent and trademark website, transitioning from Struts to Spring MVC for enhanced performance and usability.
  • Legacy System Modernization: Migrated the application from Struts to Spring MVC, improving scalability and maintainability.
  • User Experience Enhancement: Revamped the front-end with JSP, JavaScript, and jQuery to deliver a faster, more intuitive interface for users.
  • Security and Compliance: Upgraded the system to align with modern security protocols and USPTO compliance requirements.
  • Efficient Deployment: Implemented the modernized solution on JBOSS EAP, reducing downtime and boosting performance.
  • Collaborative Development: Partnered with USPTO stakeholders to gather requirements and ensure a seamless user experience during migration.
  • Impact: Delivered a streamlined platform that simplifies access to critical patent and trademark data for inventors and attorneys nationwide.
legacy application modernizationStruts to Spring MVC migrationApplication Modernization

Galaxy software solution

Project Intern

Jul 2010May 2011 · 10 mos · Hyderabad Area, India

Education

University of Missouri-Kansas City

Master's degree — Computer Science

St. Martin's Engineering College

Bachelor's degree — Computer Science

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