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Andan H M

FinTech Engineering Lead | Credit Systems | Risk Engine | Rewards & Loyalty Platforms | Go | Distributed Systems | AWS | Scalable FinTech Architecture

Bengaluru

11+ years of work experience

Skor Technologies
Sep 20224 yrsPresent

Bengaluru, Karnataka, India

Skorcard – Co-branded Credit Card Platform • Architected the core credit card issuance platform, including onboarding pipelines, rule-driven decisioning services, bank integration layers, and distributed workflow orchestration using Go, Redis, PostgreSQL, and Temporal. • Redesigned the underwriting decision flow, improving scoring precision and reducing approval latency by 60% through optimized data indexing, precomputed risk signals, and async verification pipelines. • Led the Rewards v2 system re-architecture, introducing a modular rules engine, mission-based campaign framework, and scalable partner adapters (KrisFlyer, LinkMiles, Guard). • Implemented a config-driven rules DSL, reducing campaign ops complexity and cutting configuration time from 1 day → 1 hour. • Delivered a real-time rewards engine with parallel evaluation, idempotent accrual logic, and event-sourced tracking, increasing user engagement by 25%. • Built a bank-agnostic integration layer for issuance, credit pulls, and settlement workflows using retry-safe adapters, audit logging, and circuit-breaker patterns.
BookMyShow
Nov 20165 yrs 10 mosAug 2022

Bengaluru, Karnataka, India

Involved in BMS 2.0 design and development using OpenSource technology NodeJS, Golang, ReactJS, Python. Currently working Identity and Access Management project.
Tiger Innovations
Aug 20151 yr 4 mosNov 2016

Greater Bengaluru Area

Application Developer
Intern at Tiger Innovations
Jun 20152 mosJul 2015

Greater Bengaluru Area

Android Development
GitHub
@andanhm
YouTubeyoutube.com/@andanhm

Andan’s AI Stack

antigravity
antigravity
claude
claude
opencode
opencode

Education

Master's Degree, Computer Engineering

Amrita Institute Of Technology Science

20132 yrs2015

Master of Science (MSc), Computer Science

Amrita school of arts and sciences

20112 yrs2013

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Headline

FinTech Engineering Lead | Credit Systems | Risk Engine | Rewards & Loyalty Platforms | Go | Distributed Systems | AWS | Scalable FinTech Architecture

About

I’m a Engineering Lead with 9+ years of experience architecting scalable financial platforms across credit issuance, risk assessment, user onboarding, rewards systems, and real-time transaction processing. My work spans the full ecosystem of digital credit products — from building co-branded credit card platforms to designing risk engines, underwriting rules, and fraud prevention workflows. I specialize in building systems that are reliable, compliant, and scalable for millions of users. At Skortech (Skorcard & Skorlife), I led the engineering behind a modern credit card issuance platform, improved underwriting efficiency, built a mission-based rewards engine, integrated airline mileage partners, and delivered a risk engine that improved loan approval conversion by 30%. I’ve also contributed to major cost reductions, platform migrations, and engineering culture improvements across the organization. Previously at BookMyShow, India’s largest entertainment platform, I built highly scalable backend services, an enterprise SSO/IAM platform used by 80+ apps, and an automation system that reduced SRE turnaround time from 12 days to 15 minutes. I enjoy solving complex financial engineering problems — credit decisioning, fraud detection, risk scoring, campaign systems, partner integrations — and transforming them into stable, high-performance distributed platforms. Core strengths: FinTech systems architecture, credit/risk platforms, rewards ecosystems, Go microservices, AWS, distributed systems, DevOps, scalability, leadership, engineering processes, cross-functional execution.

Location

Bengaluru

AI stack

antigravity

claude

opencode

Work experience

Lead Backend Engineer at Skor Technologies, Sep 2022 - Present · 4 yrs, Bengaluru, Karnataka, India, Skorcard – Co-branded Credit Card Platform • Architected the core credit card issuance platform, including onboarding pipelines, rule-driven decisioning services, bank integration layers, and distributed workflow orchestration using Go, Redis, PostgreSQL, and Temporal. • Redesigned the underwriting decision flow, improving scoring precision and reducing approval latency by 60% through optimized data indexing, precomputed risk signals, and async verification pipelines. • Led the Rewards v2 system re-architecture, introducing a modular rules engine, mission-based campaign framework, and scalable partner adapters (KrisFlyer, LinkMiles, Guard). • Implemented a config-driven rules DSL, reducing campaign ops complexity and cutting configuration time from 1 day → 1 hour. • Delivered a real-time rewards engine with parallel evaluation, idempotent accrual logic, and event-sourced tracking, increasing user engagement by 25%. • Built a bank-agnostic integration layer for issuance, credit pulls, and settlement workflows using retry-safe adapters, audit logging, and circuit-breaker patterns.

SD3 at BookMyShow, Nov 2016 - Aug 2022 · 5 yrs 10 mos, Bengaluru, Karnataka, India, Involved in BMS 2.0 design and development using OpenSource technology NodeJS, Golang, ReactJS, Python. Currently working Identity and Access Management project.

Software Developer at Tiger Innovations, Aug 2015 - Nov 2016 · 1 yr 4 mos, Greater Bengaluru Area, Application Developer

Software Developer at Intern at Tiger Innovations, Jun 2015 - Jul 2015 · 2 mos, Greater Bengaluru Area, Android Development

Education

Master's Degree, Computer Engineering, Amrita Institute Of Technology Science

Master of Science (MSc), Computer Science, Amrita school of arts and sciences

Public links

github: https://github.com/andanhm

youtube.com: https://youtube.com/@andanhm