Santosh Prakash — Director of Engineering

I’m a technology leader with over 17 years of experience building and scaling products across fintech, banking, and startup ecosystems. My journey spans architecting digital lending platforms, driving AI-driven innovation, and leading diverse engineering teams to deliver impactful, scalable solutions. Having worked both in established enterprises and agile startups, I bring a unique blend of strategic vision and hands-on execution. I enjoy transforming ideas into working products — from MVP to market-ready platforms — while balancing speed, scalability, and sustainability. I’m deeply passionate about solving real-world financial challenges through technology — whether it’s modernizing legacy systems, enabling multilingual conversational AI, or driving cloud-native transformation. My leadership philosophy revolves around empowering people, nurturing innovation, and delivering measurable outcomes. Key Areas: Engineering Leadership & System Architecture Startup Growth & Product Scalability (0→1→100) Fintech Expertise: Digital Lending, Credit Decisioning, Risk Engines, API Integrations Cloud & DevOps: AWS, OpenShift, Docker, Kubernetes, CI/CD Pipelines Backend Engineering: Java, Spring Boot, Microservices, Kafka, Redis, PostgreSQL Frontend Systems: Angular, React, TypeScript, Responsive UI/UX AI/ML & Automation: Conversational AI, NLP, Intelligent Process Automation Team & Delivery Management: Agile, OKRs, Mentorship, and Cross-functional Collaboration Let’s connect if you’re passionate about building tech-driven startups, scaling fintech products, or driving innovation through modern engineering practices.

Stackforce AI infers this person is a Fintech Engineering Leader with expertise in scalable product development and digital transformation.

Location: Bengaluru, Karnataka, India

Experience: 17 yrs 7 mos

Skills

Digital Lending
Engineering Leadership
Java Development
Software Architecture

Career Highlights

17 years of experience in fintech and banking.
Expert in building scalable digital lending platforms.
Strong leadership in cross-functional engineering teams.

Work Experience

Perfios

Associate Director of Engineering (3 yrs 2 mos)

Engineering Manager (1 yr 6 mos)

DIGITAL HARBOR, Inc.

Principal Engineer (3 yrs 2 mos)

Oracle

Principal Engineer (1 yr 11 mos)

Tata Consultancy Services

Technical Lead (2 yrs 11 mos)

Techjini Solution

Sr.Software Engineer (4 yrs 11 mos)

Education

Master's Degree at Ramaiah Institute Of Technology

Bachelor's Degree at National Institute of Technology , Patna

Santosh Prakash

Director of Engineering

Bengaluru, Karnataka, India17 yrs 7 mos experience

Most Likely To SwitchHighly Stable

Key Highlights

17 years of experience in fintech and banking.
Expert in building scalable digital lending platforms.
Strong leadership in cross-functional engineering teams.

Stackforce AI infers this person is a Fintech Engineering Leader with expertise in scalable product development and digital transformation.

Contact

Skills

Core Skills

Digital LendingEngineering LeadershipJava DevelopmentSoftware Architecture

Other Skills

AJAXAgile MethodologiesAgile methodologiesAmazon Web Services (AWS)AngularJSArchitectureBootstrapCSSCore JavaCustomer ServiceData StructuresDesign PatternsDocker ProductsEclipseFront-end Development

About

Experience

17 yrs 7 mos

Total Experience

3 yrs 6 mos

Average Tenure

4 yrs 8 mos

Current Experience

Perfios

2 roles

Associate Director of Engineering

Promoted

Apr 2023 – Present · 3 yrs 2 mos

Oversee the entire lifecycle of digital lending platforms, from requirements gathering to post-deployment support.
Develop and execute the strategic vision for product lines, including Loan Origination Systems (LOS), Digital Lending Platforms (DLP), Business Rules Engines (BRE), Assessment tools, and Branch Assist solutions.
Engage in hands-on coding and manage resource allocation to ensure timely and successful implementation of digital lending solutions for enterprise and SaaS clients.
Cultivate and maintain strong client relationships, fostering trust and collaboration.
Contribute to the growth of both enterprise and SaaS business units, driving revenue growth and profitability.
Key Skills:
Deep understanding of digital lending technologies and processes.
Proven ability to lead cross-functional teams and deliver results.
Strong hands-on coding experience with a focus on problem-solving.
Excellent financial analysis skills.
Exceptional communication and interpersonal abilities.
Strategic thinking and robust problem-solving capabilities.

digital lending technologiescross-functional team leadershiphands-on codingfinancial analysiscommunicationstrategic thinking+2

Engineering Manager

Oct 2021 – Apr 2023 · 1 yr 6 mos

Financial service providers are dealing with impatient customers, disruptive challengers, large amounts of disparate data, and stringent privacy and compliance environments. Through all this, they seek to focus on their core competence – using insights to price and manage risk.

Digital harbor, inc.

Principal Engineer

Aug 2018 – Oct 2021 · 3 yrs 2 mos · Bengaluru, Karnataka, India

Social Enterprise Technology (SET) Universal Platform, Digital Harbor seamlessly enables collaboration both within and between the enterprise knowledge workers, end users and all relevant stakeholders, aiding in effective risk management and in making informed decisions; thus transforming the enterprises from focusing on "better transactions" to "better decisions".

Oracle

Principal Engineer

Sep 2016 – Aug 2018 · 1 yr 11 mos · Bengaluru, Karnataka, India

Protecting data in SaaS applications in the cloud is always the #1 security priority. This is where access controls come into play. They are required for users and consumers of the applications, as well as for all the hosting and administration personnel within Oracle. Not all SaaS applications across the cloud industry have additional controls to provide maximum protection for the data stored and processed in the cloud. In this blog, we want to dive a little deeper and share how we take access control to the next level with additional controls, processes, and monitoring.

Tata consultancy services

Technical Lead

Oct 2013 – Sep 2016 · 2 yrs 11 mos · Bangalore

Architect, design, and develop the Events System framework, providing essential support for Events, Incidents, and Problems Management.
Own the end-to-end development and delivery of the Events, Incident, and Problem management system, ensuring alignment with product goals.
Develop and execute comprehensive project plans, identifying risks, dependencies, and tracking progress to completion.
Lead and mentor a team of developers, fostering innovation, collaboration, and technical excellence.
Drive the exploration, evaluation, prototyping, and implementation of new technologies and solutions.
Key Skills:
Deep expertise in Java development and object-oriented programming
Strong understanding of Oracle databases and middleware technologies
Proven ability to architect and design complex software systems
Experience with Agile methodologies and project management
Excellent communication and interpersonal skills
Passion for mentoring and developing junior engineers

Java developmentobject-oriented programmingOracle databasesAgile methodologiesproject managementJava Development+1

Techjini solution

Sr.Software Engineer

Nov 2008 – Oct 2013 · 4 yrs 11 mos · Bangalore

Dedicated to Java web and Android mobile product engineering, with extensive experience in application development and maintenance services. I excel in:
Product Engineering: Designing and implementing scalable web applications, ensuring optimal performance and user experience.
Mobile Application Development: Creating intuitive and responsive mobile applications for iOS and Android platforms, leveraging the latest technologies and frameworks.
Maintenance and Support: Providing ongoing application support and enhancements, ensuring high availability and continuous improvement.
Agile Methodologies: Employing agile practices to streamline development processes, enhance collaboration, and deliver value to clients quickly.
Cross-Functional Collaboration: Working closely with UX/UI designers, product managers, and stakeholders to align product vision with user needs and business goals.