Feb 2025 – Present · 1 yr 4 mos · Remote

• We are a super lean, high-impact team where everyone wears multiple hats. I primarily focus on building backend for user facing products, devtools and managing cloud infra.

Aug 2021 – Feb 2025 · 3 yrs 6 mos · Remote

• Expert in multiple technology domains within OkCredit, representing the senior technical leadership within their organization. Responsible for helping shape the future direction of the technical organization, assisting management to establish technical roadmaps, and driving priorities to meet objectives.
• Strong track record of growing and influencing others, working with all levels of engineers, and fostering the psychological safety and happiness of members of their team.
• Scaled payments system from processing $2M monthly to $20M monthly; responsible for overall payments system and web/app performance
• Architected, designed, and implemented a new multi-gateway payout router, improving UPI payouts latency(p95) from 30 mins to 15s
• Partnered with cross-functional teams to create an internal process for resolving customer queries and bugs
• Led 3rd party UPI app licensing from NPCI; conducted all system and security audits; coordinated and implemented all security and compliance requirements from NPCI/RBI
• Built repayment pipeline for lending products with payment routing to multiple NBFC partners
• Moved from manually tested to fully automated tested microservices including all banking integrations, improving reliability to > 95%.
• Led infrastructure development team, reduced cloud cost by 40% and improved resource utilization by 70%.
• Build internal CLI tools for developers to do code analysis, and build services locally with staging infra, AI commit tools etc.
• Lead all systems and security audits and certifications (including ISO 27001) to comply with all lending and payment regulations.
• Migrated infrastructure from text-based logging to structured logging and developed automation tools for log analysis, resulting in a 50% reduction in on-call tickets
• Designed and implemented a large-scale custom database migration service (10B+ rows), supporting features such as schema migration and data chunking, in conjunction with AWS DMS to migrate data to RDS

Jun 2021 – Aug 2021 · 2 mos · Remote

• Design and build new website for better customer outreach
• Helped Building a product execution plan to achieve fast paced short term product goals
• Advised on engineering team restructuring

Jun 2021 – Aug 2021 · 2 mos · Mumbai, Maharashtra, India

• Setup a detailed structured process towards product development from PRD -> Design -> Engineering.
• Hired engineering team with a structured hiring process (Achieved goal of hiring 3 engineers in 1.5 months)
• Build new microservices based architecture and started migration of services from monolith to microservices
• Built contribution guidelines for engineers to contribute and follow standard practice
• Built platform subscriptions and payments management architecture end to end from user journey to technical arch and DB design
• Built and trained a 4 person data science team to build data and analytics on ocean container tracking

Nov 2020 – Jun 2021 · 7 mos · Westfield, New Jersey, United States

• Loqal is a payment service for consumer to merchant payments built around ACH. So payment happens via bank to bank transfers instead of cards.
• Developed a payments system that would allow consumers to pay using QR code and push-messages, and merchants to reduce cost of payment acceptance by >50%
• Established financial and technology partnerships and negotiated for premium customer support services while adhering to the lowest costing pay-as-you-go terms
• Architected the platform independently, and completed the development and deployment of the product (from conceptualization & design to launch) in under 2 months with a team of 2 engineers and a budget of <$5K
• Developed payment security and privacy systems that would be >2X more secure than credit-card based payment systems
• Recognized by our financial partners for having the most robust payments system built at the fastest pace Executed a trial of our payments system with 35 consumers and 6 merchants, generating >$1K weekly in volume

Jun 2018 – Jun 2021 · 3 yrs · Westfield, New Jersey, United States

• Every time your business makes a cross-border payment through your bank, they charge you an exchange rate that effectively skims the cream off of your hard work. The goliaths of your industry have the muscle to negotiate pricing agreements, so the banks take the fight to up and coming titans of the future, like you. That's a very real problem for your growth and profitability.
• Launched the world’s foreign exchange rate auditing software to help SMEs audit and benchmark the competitiveness of exchange rates received by their financial services providers
• Developed a heavily modified mean-shift algorithm to conduct modal estimations of non-parametric multi- modal datasets, resulting in the ability to detect FX-premiums with an accuracy of >94%
• Built a digital auditing platform to allow customers the ability to upload transactional data from their accounting systems, review our audit reports, and have access to live FX-rates from our integrated FX-rate providers
• Developed the world’s first bank-agnostic international payments router (akin to a stock exchange for international payments). Used this solution to upsell clients from our FX-auditing business, Spotlight.
• Raised $100K from angel investors within 2 weeks of fund raising
• Architected a standardized payment API platform to integrate into any bank for any currency pair (20+ currencies supported) and Managed a team of 4 engineers
• Established partnerships with multiple payments providers and negotiated $0 in implementation charges, and $0 in transaction/monthly fees
• Grew revenues at an average of 30% m/m, and achieved profitability by May 2019, and helped our clients address >$5M in annual savings

Dec 2017 – Jul 2018 · 7 mos

• Here I helped in data and systems part of engineering work.
• Rearchitected AirCTO resume parser for categorized candidate profiles based on gender, skillset, experience, education, projects, resulted into better candidate-job profile match.
• Built a pdf manipulation software to remove sensitive data from pdf with over 95% accuracy.
• Built monitoring and metrics collection system for overall AirCTO platform resulted into improved performance and security.

Jul 2017 – Dec 2017 · 5 mos

• Helped building deployment and migration tools with frabric/fabtools.
• Rebuilt AirCTO dashboard frontend from scratch resulting into improved performance and positive feedback from customers.
• Build AirCTO community platform for interaction between developers resulted in attracting more candidate to AirCTO job board using dgraph in nodeJS and Go.
• Build bunch of utility tools in python, ruby, JavaScript and Go.
• Component UI library for reusable and customizable UI components.

Nov 2017 – Dec 2019 · 2 yrs 1 mo · Bengaluru Area, India

• I advise and help Lonely Cow Entertainment (Under the Stars DriveIn Cinema) on strategy and technology.

Oct 2015 – Feb 2016 · 4 mos

• Under Season of KDE 2015-16 I worked upon Improve stability and feature set of Kexi a visual database applications creator, part of the Calligra Suite by KDE in MS Access import. I also helped there for upgrading codebase from python2 to python3.
• https://community.kde.org/Kexi/Season

Jul 2015 – Apr 2016 · 9 mos

• Studied different types of matching problems, specifically worked on 2 problems:
• Stable Matching Problem(study of stable marriage problem under social stability): Accompanied this problem as NP-Hard with different constraints and described approximation parameters to find maximum optimal stable matchings.
• Kidney Exchanges: A survey on algorithms and constraints for modern kidney exchanges in India.

Apr 2015 – Mar 2017 · 1 yr 11 mos

• Contract web development and systems administration for companies in Bangalore.