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