Software Engineer · Fintech · ONDC FS · Ahmedabad, India
I build the systems that move money — from three ONDC Financial Services Buyer Apps I took live from scratch (Hamaramall, BuddyLoan, EasyCred) to scalable fintech infrastructure processing 100K+ daily transactions, and AI-augmented engineering pipelines that make teams ship 40% faster.
From multi-tenant financial infrastructure to ONDC Financial Services — turning complex domain problems into production-grade software.
I'm a results-driven software engineer with 5.5+ years of hands-on experience — starting as an intern in January 2021 — building and scaling systems inside India's fast-moving fintech ecosystem. I've shipped code that processes 100K+ daily financial transactions and taken three ONDC Financial Services Buyer Apps live from scratch, holding myself to a bar where reliability, performance, and compliance aren't optional.
I specialise in Java, Spring Boot, React, and AWS — and I've been one of the earliest engineers in my teams to deeply integrate AI-powered development workflows using Claude and ChatGPT, cutting delivery timelines by 40%. I'm currently deepening my AI toolkit with RAG pipelines, LangChain, LangGraph, LangSmith, the OpenAI API, and embeddings.
I thrive at the intersection of backend engineering, product thinking, and system design — translating ambiguous financial requirements, from ONDC lending journeys to gold loan products, into elegant, scalable solutions that compound in value over time.
The principles that guide every system I design, every PR I raise, every architecture decision I own.
Code is the last thing I write. Before any implementation, I deeply understand the financial or business domain — because wrong assumptions at this stage compound into expensive bugs.
Speed matters in startups, but never at the cost of observability. Every system I build ships with monitoring, alerting, and the ability to debug at 3am without guesswork.
I use AI tools aggressively — but always as a multiplier for my thinking, not a substitute. I own every line of code, every design decision, every tradeoff.
The best architecture is the one your team can maintain confidently at scale. I actively resist unnecessary complexity and refactor toward clarity, not away from it.
Not just a coder — a fintech engineer who understands the regulatory, business, and technical layers of India's financial stack.
Owned three ONDC Financial Services Buyer Apps — Hamaramall, BuddyLoan, and EasyCred — end-to-end: architecture, Beckn Protocol integration, order/loan lifecycle, and regulatory compliance, taking each one live from scratch. Later added gold loan as a new lending product line within ONDC FS.
Designed RESTful APIs for the RBI-regulated AA framework — enabling consent-based financial data sharing across FIPs and FIUs for PFM tools.
Built PFM tooling for categorisation, cashflow analysis, and financial health scoring — integrating with banking data sources via AA and direct feeds.
Pioneered internal AI tooling workflows using Claude and ChatGPT — from automated code review to spec-to-implementation pipelines that cut delivery by 40%.
Built an intelligent bank statement parsing engine — automated extraction and classification that improved loan approval efficiency by 90%.
Built highly available multi-tenant financial infrastructure managing 100K+ daily data pulls — designed for fault tolerance, strict isolation, and horizontal scale.
Battle-tested across real fintech production environments — not tutorial projects.
Technology moves fast. Here's what I'm actively studying and building with right now — mostly deepening my AI/LLM toolkit.
Real systems, real scale, real impact — built and maintained in production fintech environments.
Took three ONDC Financial Services Buyer Apps — Hamaramall, BuddyLoan, and EasyCred — from architecture to production, building fully compliance-first lending journeys on the Beckn Protocol from scratch. Later extended the platform with gold loan as a new lending product line.
Multi-tenant infrastructure managing 100K+ daily financial data pulls with strict tenant isolation. Integrated with Account Aggregator APIs for consent-based data access and PFM analytics at scale.
Designed and evangelised internal AI tooling pipelines using Claude and ChatGPT — automated spec translation, code review, boilerplate generation, and docs. 60% productivity boost, 40% faster delivery.
Intelligent bank statement parsing module — automated extraction, transaction classification, and financial pattern detection. Reduced loan approval processing time by 90% through smart automation.
5.5+ years shipping fintech products at India's high-growth startups — starting as an intern in January 2021.
Business impact, competitive programming, hackathons, and speaking on the record.
Open to senior engineering roles, fintech projects, and AI/LLM collaboration opportunities.
I respond within 24 hours — or ping me on WhatsApp directly.