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Ayush Mishra

Software Engineer @RivaMoney| Ex- CRED, WellsFargo | NSIT 23| Fintech

Bengaluru

3+ years of work experience

Riva Money
Dec 202511 mosPresent

United Kingdom

Joined at the pre-seed stage to build a B2B cross-border payments platform for fintechs.   - Designed a shared framework for account and payout integrations, connecting six providers across 40+ currencies and reducing typical provider integration time from 25 days to 5.   - Built inbound and outbound payment flows spanning account and beneficiary setup, provider routing, execution, asynchronous callbacks, payment returns, and reconciliation.   - Developed FX pricing and fee services using live market data, persisted quotes, client-specific margins, and route fees so payments retain the agreed commercial terms.   - Added an internal payout idempotency layer after a provider failed to honor its own keys, eliminating duplicate payouts in that integration. Also built callback deduplication and recovery tools for payments whose provider status was unknown.   - Built KYB/KYC and account eligibility flows across backend services and the client console, connecting company and owner information, document collection, verification reviews, and provider readiness.   - Delivered self-service API credentials and signed webhooks, including client scopes, encrypted and rotatable secrets, retries, delivery history, and developer-facing API documentation.   - Improved operational visibility through auditable payment and fee legs, return review, backoffice investigation tools, cross-service testing, and production troubleshooting.
CRED
Aug 20232 yrs 4 mosNov 2025

Bengaluru, Karnataka, India

At CRED, I build and scale the backend infrastructure that drives risk assessment, lending, and identity verification for millions of users. Operating at the intersection of high-throughput distributed systems and stringent financial regulations, my focus is on zero-downtime reliability, system observability, and developer productivity. Core Contributions & System Architecture: Massive-Scale Risk Execution: Designed the risk-policy engine governing the $2B loan book and 70M credit offers. Engineered data pipelines integrating Databricks, AWS SQS, Java, and DynamoDB to process peaks of 10M decisions per day. Zero-Downtime Migrations: Executed a regulation-driven strangler-fig migration, seamlessly shifting 100% of production risk-decisioning traffic to a new microservice with zero failed requests. Greenfield KYC Platform: Designed and developed the foundational KYC platform from the ground up, leveraging Java Spring Boot, AWS Step Functions, and RDS to orchestrate complex identity verification workflows. High-Concurrency Engineering: Scaled credit-offer upgrades from 1,200 to 8,000 RPM utilizing Redis caching and read repair. Implemented per-loan Redis distributed locks to safely serialize competing workflows across bank-to-bank loan transfers, repayments, and collections. End-to-End Observability: Championed platform reliability by establishing comprehensive monitoring, integrating Datadog DLQ monitors, VictoriaDB custom metrics, and PagerDuty alert frameworks.
CRED
May 20233 mosJul 2023

Bengaluru, Karnataka, India

Wells Fargo
May 20223 mosJul 2022

Bengaluru, Karnataka, India

GitHub
@AYUSHNSUT

Ayush’s AI Stack

claude code
claude code
codex
codex
cursor
cursor
Lindy
Lindy
Microsoft Copilot
Microsoft Copilot
Milvus
Milvus

Education

Netaji Subhas Institute of Technology

Bachelor of Technology - BTech, Computer Engineering

Netaji Subhas Institute of Technology

20194 yrs2023

School

Holy Angels' School

200710 yrs2017

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Headline

Software Engineer @RivaMoney| Ex- CRED, WellsFargo | NSIT 23| Fintech

About

As a Backend Engineer at CRED, contributed to KYC, Risk, and Disbursals platforms within the Lending Team, leveraging expertise in software development and low-latency systems. Graduated with a BTech in Computer Engineering from Netaji Subhas Institute of Technology in 2023. Previous internships at CRED and Wells Fargo provided exposure to backend systems and software development processes. Core skills include Java and data structures, with a foundation in mathematics for machine learning from certified coursework. Thrives in collaborative environments that emphasize system efficiency and scalability.

Location

Bengaluru

AI stack

claude code

codex

cursor

Lindy

Microsoft Copilot

Milvus

Work experience

Software Engineer at Riva Money, Dec 2025 - Present · 11 mos, United Kingdom, Joined at the pre-seed stage to build a B2B cross-border payments platform for fintechs. - Designed a shared framework for account and payout integrations, connecting six providers across 40+ currencies and reducing typical provider integration time from 25 days to 5. - Built inbound and outbound payment flows spanning account and beneficiary setup, provider routing, execution, asynchronous callbacks, payment returns, and reconciliation. - Developed FX pricing and fee services using live market data, persisted quotes, client-specific margins, and route fees so payments retain the agreed commercial terms. - Added an internal payout idempotency layer after a provider failed to honor its own keys, eliminating duplicate payouts in that integration. Also built callback deduplication and recovery tools for payments whose provider status was unknown. - Built KYB/KYC and account eligibility flows across backend services and the client console, connecting company and owner information, document collection, verification reviews, and provider readiness. - Delivered self-service API credentials and signed webhooks, including client scopes, encrypted and rotatable secrets, retries, delivery history, and developer-facing API documentation. - Improved operational visibility through auditable payment and fee legs, return review, backoffice investigation tools, cross-service testing, and production troubleshooting.

Software Engineer at CRED, Aug 2023 - Nov 2025 · 2 yrs 4 mos, Bengaluru, Karnataka, India, At CRED, I build and scale the backend infrastructure that drives risk assessment, lending, and identity verification for millions of users. Operating at the intersection of high-throughput distributed systems and stringent financial regulations, my focus is on zero-downtime reliability, system observability, and developer productivity. Core Contributions & System Architecture: Massive-Scale Risk Execution: Designed the risk-policy engine governing the $2B loan book and 70M credit offers. Engineered data pipelines integrating Databricks, AWS SQS, Java, and DynamoDB to process peaks of 10M decisions per day. Zero-Downtime Migrations: Executed a regulation-driven strangler-fig migration, seamlessly shifting 100% of production risk-decisioning traffic to a new microservice with zero failed requests. Greenfield KYC Platform: Designed and developed the foundational KYC platform from the ground up, leveraging Java Spring Boot, AWS Step Functions, and RDS to orchestrate complex identity verification workflows. High-Concurrency Engineering: Scaled credit-offer upgrades from 1,200 to 8,000 RPM utilizing Redis caching and read repair. Implemented per-loan Redis distributed locks to safely serialize competing workflows across bank-to-bank loan transfers, repayments, and collections. End-to-End Observability: Championed platform reliability by establishing comprehensive monitoring, integrating Datadog DLQ monitors, VictoriaDB custom metrics, and PagerDuty alert frameworks.

Backend Intern at CRED, May 2023 - Jul 2023 · 3 mos, Bengaluru, Karnataka, India

SDE Intern at Wells Fargo, May 2022 - Jul 2022 · 3 mos, Bengaluru, Karnataka, India

Education

Bachelor of Technology - BTech, Computer Engineering, Netaji Subhas Institute of Technology

School, Holy Angels' School

Public links

github: https://github.com/AYUSHNSUT

Ayush Mishra - Software Engineer in Bengaluru | Tal