Niraj Kumar

CTO

South Delhi, Delhi, India13 yrs 6 mos experience

Highly Stable

Key Highlights

Led teams to build real-time payment systems.
Expertise in scalable and secure system design.
Strong background in fintech and banking integrations.

Stackforce AI infers this person is a Fintech expert with strong capabilities in scalable payment systems and microservices architecture.

Contact

niraj@payvizio.com LinkedIn

Skills

Core Skills

Payment SystemsArchitecture & ScalabilityHealthcare SystemsCross-functional CollaborationMicroservices ArchitectureOnline Gaming PlatformsEpublishingContent Management Systems

Other Skills

Amazon Web Services (AWS)Apache KafkaBack-End Web DevelopmentBanking API ConnectivityBook IndexingBusiness Intelligence (BI)Client CollaborationCloud ComputingCloud-Native (AWS/GCP)Communication ProtocolsComputer ScienceContent ManagementCore JavaData AnalyticsData Mining

About

I am a Technology Lead specialising in fintech platforms, digital payments, and banking integrations, with expertise in scalable, secure, and compliant system design. I have led teams to build real-time payment systems, wallets & ledgers, and financial transaction infrastructures that serve millions of users. My approach combines deep technical expertise with strategic product thinking, ensuring that solutions are robust, regulatory-compliant, and business-aligned. Core Areas of Expertise: Payment Systems: Gateway integrations, UPI, wallets, settlement & reconciliation. Banking & Financial APIs: Seamless integrations with multiple partners and providers. Architecture & Scalability: Microservices, event-driven systems, cloud-native solutions. Risk & Compliance: KYC, AML, fraud detection, PCI DSS readiness. Leadership: Driving technology roadmaps, mentoring engineers, and collaborating with cross-functional teams.

Experience

13 yrs 6 mos

Total Experience

4 yrs 2 mos

Average Tenure

11 mos

Current Experience

Payvizio

Technology Lead

Jul 2025 – Present · 11 mos · Bengaluru, Karnataka, India · On-site

Payment SystemsArchitecture & Scalability

Treint business

Senior Software Engineer

Nov 2023 – Aug 2025 · 1 yr 9 mos · Noida, Uttar Pradesh, India · On-site

Collaborating with cross-functional teams to enhance application performance.
Serving as an individual contributor, owning multiple modules of the complete healthcare system.
Responsible for the Appointment Modules, Calendar Modules, Treatment Manager, Medical Record Management, and the Authorization and Authentication Server.
Ensuring the seamless integration and operation of these modules to provide a comprehensive and efficient healthcare management solution.
Continuously optimizing and improving module performance to meet the evolving needs of healthcare providers and patients.

Healthcare ManagementModule IntegrationPerformance OptimizationHealthcare SystemsCross-Functional Collaboration

Junglee games

SDE III -Backend

Mar 2019 – Nov 2023 · 4 yrs 8 mos · Gurugram, Haryana, India · On-site

Engineered and sustained online gaming platforms, ensuring optimal availability and performance.
Migrated numerous services from a monolithic architecture to microservices.
Managed and maintained multiple microservices.
Integrated robust authentication and authorization mechanisms to enhance user security.
Leveraged Spring Boot and Spring Cloud to construct a microservices architecture.
Developed and deployed data-driven solutions using Flask.

MicroservicesSpring BootData-Driven SolutionsMicroservices ArchitectureOnline Gaming Platforms

Aptara

Assistant Manager

Dec 2012 – Mar 2019 · 6 yrs 3 mos · Noida Area, India

Contributed to the creation of publishing applications, enhancing content management capabilities.
Led a team of HTML specialists focused on ePublishing projects, ensuring timely and accurate delivery of client requirements.
Troubleshooted queries from new team members, providing guidance and support to resolve issues efficiently.
Collaborated with clients to understand their needs and implemented new features according to their specifications.
Coordinated with cross-functional teams to ensure seamless integration of new features and improvements into existing systems.

Content ManagementTeam LeadershipClient CollaborationePublishingContent Management Systems