Mohammed Abdul Sofiyan

Software Engineer with 4+ years of experience building and scaling high-throughput backend systems in fintech and payments. Experienced in distributed systems, microservices, and real-time financial workflows at BharatPe and Zuora.


Experience (4+ years)

Software Engineer 2

  • Designed and integrated the payment gateway infrastructure for the auto-collections system, embedding it into the customer portal, resulting in an 18% increase in portal traffic and reducing manual collection costs by 2% per transaction.
  • Led a 4-engineer pod, driving technical design, code quality standards, and production reliability for lending and repayment systems.
  • Architected and built all lending microservices using Spring WebFlux (reactive, non-blocking model), improving request handling capacity by 2x and reducing memory footprint by ~30% under peak load.
  • Designed and integrated payout infrastructure for the auto-disbursal system, initially launched in pilot mode covering 10% of total loan disbursals, with strict safeguards ensuring zero tolerance for double disbursals.
  • Re-architected the KYC workflow into a parallel, multi-vendor failover funnel, reducing KYC error rates by 10% while maintaining consistent response latency and high availability.
  • Tuned Kafka Messaging queue to process 1M+ transactions per day without system degradation.
May 2025 - Present
Gurugram, India

Software Engineer

  • Led the full separation of TrillionLoans and LiquiLoans infrastructure, executing a zero-downtime migration with no data loss across the services.
  • Integrated Account Aggregator services into the Business Rule Engine (BRE) to ingest GST and bank account statement data, enabling more accurate assessment of customer eligibility and optimized loan amount determination.
  • Re-architected the complex Business Rule Engine (BRE) by extracting it from the monolithic Loan Origination System (LOS) into a dedicated Risk microservice, improving modularity, scalability, and independent deployment.
  • Optimised the microservice memory management and GC tuning, reducing memory consumption by 30% and eliminating production memory leaks.
July 2023 - May 2025
Mumbai, India

Software Engineer

  • Designed and migrated Real-Time-Reconciliation Payment Microservice from a monolithic database to a multi-sharded database, enabling horizontal scaling for a rapidly growing global user base.
  • Designed and built Stripe Payment Microservice that handles 1M+ transactions per month.
  • Built a generalised smart bot attack prevention framework to dynamically detect and mitigate brute-force payment attempts across integrated gateways (Adyen, Stripe, Worldpay, PayPal, Bluesnap), which reduces the attack surface.
  • Served as primary/secondary on-call engineer for high-impact payment incidents, driving root-cause analysis and system hardening initiatives.
July 2021 - Dec 2022
Chennai, India

Software Engineer Intern

  • Developed a scalable batch reconciliation framework to process high-volume payment records, identifying discrepancies through rule-based matching and ensuring financial consistency.
  • Designed secure webhook handlers for payment status callbacks, implementing signature verification and eventual consistency mechanisms to handle asynchronous gateway events.
  • Improved unit test coverage across payment services by 45%, strengthening reliability and reducing regression issues in production releases.
May 2021 - June 2021
Hyderabad, India

Skills

Backend Development:
  • Spring Boot Framework
  • Microservices and Monolithic based Architecture
  • Kibana and Grafana
  • Django Framework
  • AWS services like EC2, RDS, ECS, BeanStalk
  • Docker

Data Structure & Algorithm:
  • GFG:      450+ Questions solved
  • LeetCode: 100+ Questions solved

Programming Languages
  • Java
  • C++

Education

SRM IST, Chennai

Bachelor of Technology
Computer Science Engineering

CGPA: 9.10

June 2017 - May 2021

Milliya Junior College, Beed

Mathematics & Computer Science

Percentage: 82.00%

2016

Milliya Boys High School, Beed

SSC
Science & Mathematics

Percentage: 88.40%

2014

Recommendations

What colleagues say about working with me — from my LinkedIn Recommendations.

"Sofiyan worked on electronic payment processing and payment gateway integrations in Zuora Payment Engineering team, he picked up the domain knowledge real quick and learnt our tech stack well, he is proactive and has the willingness to solve complex problems."

"I worked closely with Sofiyan during the early and most critical phase of building the TrillionLoans technology infrastructure at BharatPe. Sofiyan was the first engineer on the TrillionLoans tech stack, joining at a time when the business was scaling rapidly and the system was still being built from the ground up. For nearly six months, he independently owned the entire backend ecosystem — from designing and implementing core services to ensuring system stability, scalability, and reliability as transaction volumes grew...."

"Sofiyan has been a consistent and reliable worker during his time with us. He is a team player with a knack for organizing his work, which was particularly helpful given the context switching involved in working with different gateways in Zuora. It was a pleasure working alongside him, and I have no doubt that he would be a great asset to any company he joins."

"It was a great pleasure working with such an innovative brain! During his tenure in Zuora, Sofiyan has consistently contributed and improved the code base whether it's legacy or new microservices. He is really good at implementation! — yeah you can't challenge him in 'SOLID' principles! Really good in system design along with amazing implementation skills. Really enjoyed working with him! Best of luck Sofiyan!"


Achievments

  • 5-Year Scholarship: Received a scholarship for higher education under the Innovation in Science for Inspired Research (INSPIRE) program based on ranking within the top 1% of students in the Class 12 exams.
  • 4th Rank in Microsoft HackNight 3.0.
  • Top 5 in Rush 2.0 Hackathon (organized by SRM College), resulting in the first internship offer.
  • Placement in top 10 of Microsoft HackNight 1.0.