Bengaluru, Karnataka, India
I’m a software engineer specializing in large-scale fintech and real-time payment systems, currently building and scaling UPI platforms processing tens of millions of transactions daily. My work focuses on distributed systems, reliability, and data-driven product features that directly impact payment success, user trust, and engagement. I’ve led end-to-end development of critical payment flows (Autopay, merchant payments, refunds, reconciliation), built durable workflow systems using Temporal, and driven architectural redesigns for horizontal scalability at 50M+ transactions/day. Beyond core payments, I enjoy building intelligent systems—from rule-based recommendation engines to LLM-powered support tools—that improve user experience and operational efficiency. I’ve mentored engineers, interviewed candidates, and helped shape team quality and culture. I care deeply about clean architecture, measurable impact, and solving real customer problems at scale.
UPI Payments - Working on a UPI platform processing 10M+ transactions/day, scaling architecture to support 50M/day capacity - Architected ledger capabilities for lien management and refunds, improving financial accuracy, traceability, and auditability. - Designed automated refund reconciliation workflows using Temporal, eliminating manual effort and reducing reconciliation time from days to <5 minutes. - Leading re-architecture of UPI systems with data partitioning and a ground-up redesign to enable horizontal scaling for 50M+ transactions/day. (In progress) - Developing a predictive kill switch system (self-initiated) to proactively block high-risk transactions and reduce failure impact. Growth & Engagement Systems (35M reads/day per system) - Designed ranking algorithms for recent contact suggestions using transaction history, improving payment speed and repeat usage. - Built a Nudges Engine to surface actionable prompts on the home screen, improving task completion and user engagement. - Developed backend-driven home screen architecture leveraging user context and campaign systems for dynamic personalization. Team - Mentored and managed 3 interns and 2 full-time engineers, driving onboarding, code quality, and delivery. - Conducted SDE1/2 interviews and contributed to hiring decisions
UPI Payments - Merchant Payment Flows - Designed and implemented merchant payment flows, enabling credit acceptance, refunds, and mandate setup on the platform. - Implemented wallet-to-VPA transfer feature allowing users to send full wallet balances to a chosen VPA. - Built refund functionality for UPI credits stuck due to user limits via merchant VPAs. Core Payment Rehaul - Designed and implemented new debit processing flows, reducing P99 latency by 15% and lowering processing costs by 7%. - Built a rule-based payment source recommendation engine (adhering to NPCI OC183 guidelines) to optimize payment success. - Migrated VPA validation flows to a stateless design, eliminating unnecessary database writes and improving P99 by ~5%, reducing ~8M DB writes/day. - Built a task scheduler to validate merchant data with NPCI servers in a controlled manner. - Designed a transactional data pipeline capturing point-in-time merchant metadata from application databases to ClickHouse via scheduled jobs, enabling accurate historical analysis. - Designed and implemented user suspension flows, including internal client authentication and automated suspension lifting mechanisms. KYC & Compliance - Designed CKYC workflows to synchronize customer data with government authorities using Temporal-based durable workflows to ensure reliable and compliant synchronization. Customer Support: - Built and launched an RAG-based LLM-powered chatbot for customer queries using a vector knowledge base. - Enabled function-calling to fetch live user data for contextual responses. Released for 20K users. - Designed FamCare, an in-house support ERP replacing FreshDesk for CX operations. Team - Mentored and managed 3 interns and 2 full-time engineers, driving onboarding, code quality, and delivery. - Conducted SDE1/2 interviews and contributed to hiring decisions
UPI Payments - Designed and built UPI Autopay from scratch, owning the full lifecycle from architecture to production rollout. - Delivered the first PPI AutoPay implementation in the industry, enabling 120k daily mandate setups and ~150k daily transactions. - Rewrote transaction listing APIs, reducing response times by ~15% and lowering 5xx errors by ~5% across individual and list-view APIs. - Built retry and refund functionality to resolve incoming credits if first attempt fails due to business declines. Customer Support and automations - Built automation bots that deflected 98% of incoming customer support tickets - Developed an ETL pipeline to route customer support tickets from Freshdesk (ERP) to the Refshift data lake for analytics. - Built and publushed custom plugins (SmartPlugs) integrated with payment services and internal auth to provide real-time customer data to support teams. KYC & Compliance - Designed and implemented data-intensive AML (Anti-Money Laundering) systems from scratch, ensuring real-time compliance with RBI and government regulations. - Enabled real-time screening during onboarding and retrospective checks across the entire user base when new risk patterns were introduced. - Implemented Re-KYC flows (selfie, signature) to maintain compliance with RBI regulations as users ages. Infra and Tooling - Built on-demand dev environments to spin up service stacks for testing. - Deployed internal tools (Redpanda Dashboard, Redis Insights) with OAuth integration on Kubernetes.
Author and Maintainer of a new project built as part of Google Summer of Code, which helps the laboratory administrators to fine-tune the authentication system as per their needs.
To maintain two open source projects of the CurcuitVerse organization on Github, and help contributions make enhancements, suggest methods to improve, and review contributions on the projects.
I will be mentoring the Interactive Book and CircuitVerseDocs Project that aims to create an online interactive guide for digital logic design. https://github.com/CircuitVerse/CircuitVerse/wiki/Google-Season-of-Docs-2020
VITspot is the biggest student community in VIT, spread across multiple campuses. Leading the Engineering team that works on projects to ease the lives of students, automated bots that maintain communities and perform redundant tasks, and toolkits that assist in various domains. Handling a diverse tech stack ranging from cross platform mobile application with 10K+ downloads to serverless lambdas that route university students through whatsapp and other communication media.
Founded in 2017, VITSpot is the first and biggest digital media platform in Vellore Institute of Technology, Vellore. An initiative taken by students to bring ease into the lives of all students of VIT, led to the creation of a website, web application, and mobile application known as VITspot.
Part of the ACM Web Team worked on diverse projects, organized community events, and lead teams on projects.