Bharat Kalluri profile photo 1 on Tal

Bharat Kalluri

Founding engineer, Staff engineer @ Refyne India

Bengaluru

6+ years of work experience

Multiplier
Oct 202510 moPresent

Bengaluru

Leading the finance foundations team. Working on critical infrastructure supporting the financial systems in multiplier like forex system, statement of record systems, usage metering systems etc.
Refyne India
Jan 20241 y 4 moMay 2025

Bengaluru, Karnataka, India

* Lead the banking engineering team for Refyne, managing and scaling engineering teams while fostering a culture of technical excellence and innovation * Collaborating with C-suite on technical roadmaps and OKRs to align engineering initiatives with business goals * Work on hiring pipelines to grow a rockstar team
Refyne India
Jan 20231 yrDec 2023

Bengaluru, Karnataka, India

* Reported directly to the CTO. Setup quarterly roadmaps in alignment with the company's vision for the quarter (OKRs) * Major contributions to building out the salary top up loan product, which now powers a book upwards of a 500 Cr. * Major contribution on building the MSME lending product from scratch * Built out the gold savings product & took it to market
Refyne India
Jan 20221 yrDec 2022

Bengaluru, Karnataka, India

* Worked very closely with the CTO on OKRs and team structure, since the team was being built out * Worked on a complete revamp for the loan management system built from scratch in Refyne. Cleared up a lot of debt to make sure that the domain is clear & the system can scale. * Built our the banking engineering team for Refyne, which ends up powering the entire lending inra * Established the B2B data pipelines and integrations, which powers all integrations at scale for Refyne
JiT Finco
Mar 20208 mosOct 2020

Bengaluru, Karnataka

* Joined as the first full time engineer. Worked directly with the founders on developing the tech stack * Helped build out the Invoice discounting based MSME lending stack for JitFin. * Major contributions to React based frontend stack * Major revamps done on the Django based server stack * Worked on and maintained the AWS infra * Was involved in end to end product & engineering development right from understanding and analysing what the customers want to development, QA, go live and demos
Shubh Loans
Aug 20181 yr 8 mosMar 2020

Bengaluru Area, India

- Worked on and managed a highly scalable and concurrent credit decisions system using Python running on AWS Lambdas. - Developed a rule engine in Python to automate credit decisions. - Developed an agent management system from scratch using Python, React and Redux, Postgres for the database. Hosted on AWS Infra. - Worked on several business critical Integrations with third parties - Developed a system to transfer data from S3 to athena compatible data stores for further data analysis using Python
Wells Fargo
Feb 20187 mosAug 2018

Bengaluru, Karnataka, India

- Worked on an internal Data visualization tool to dynamically generate commonly used reports and visualizations - Backend is written in Python and flask, Frontend is written in React, Redux and chart.js
GitHub
@bharatkalluri

Bharat’s AI Stack

claude code
claude code
codex
codex
hermes agent
hermes agent
langchain
langchain
mcp
mcp
opencode
opencode

Education

Bachelor of Technology (B.Tech.), Computer Science

Satyabhama University

20144 yrs2018
Udacity

Machine Learning Basics Nanodegree, Computer Science

Udacity

20171 yr2018

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Headline

Founding engineer, Staff engineer @ Refyne India

About

Currently leading the banking engineering team at Refyne India as a Staff Engineer, focusing on scaling teams and fostering technical excellence. Actively collaborates with C-suite executives to align technical roadmaps and OKRs with the organization’s goals while contributing to hiring pipelines to build a high-performing team. Proficient in MongoDB, AWS, and Git, with a track record of Developing innovative fintech products from scratch, including complex lending products. Dedicated to leveraging technology to drive impactful solutions and cultivating a culture of innovation. Loves teaching & writing, blogs actively at bharatkalluri.com

Location

Bengaluru

AI stack

claude code

codex

hermes agent

langchain

mcp

opencode

Work experience

Lead Software Engineer at Multiplier, Oct 2025 - Present · 10 mo, Bengaluru, Leading the finance foundations team. Working on critical infrastructure supporting the financial systems in multiplier like forex system, statement of record systems, usage metering systems etc.

Staff Engineer at Refyne India, Jan 2024 - May 2025 · 1 y 4 mo, Bengaluru, Karnataka, India, * Lead the banking engineering team for Refyne, managing and scaling engineering teams while fostering a culture of technical excellence and innovation * Collaborating with C-suite on technical roadmaps and OKRs to align engineering initiatives with business goals * Work on hiring pipelines to grow a rockstar team

Associate Staff Engineer at Refyne India, Jan 2023 - Dec 2023 · 1 yr, Bengaluru, Karnataka, India, * Reported directly to the CTO. Setup quarterly roadmaps in alignment with the company's vision for the quarter (OKRs) * Major contributions to building out the salary top up loan product, which now powers a book upwards of a 500 Cr. * Major contribution on building the MSME lending product from scratch * Built out the gold savings product & took it to market

SDE 3 at Refyne India, Jan 2022 - Dec 2022 · 1 yr, Bengaluru, Karnataka, India, * Worked very closely with the CTO on OKRs and team structure, since the team was being built out * Worked on a complete revamp for the loan management system built from scratch in Refyne. Cleared up a lot of debt to make sure that the domain is clear & the system can scale. * Built our the banking engineering team for Refyne, which ends up powering the entire lending inra * Established the B2B data pipelines and integrations, which powers all integrations at scale for Refyne

Software Engineer at JiT Finco, Mar 2020 - Oct 2020 · 8 mos, Bengaluru, Karnataka, * Joined as the first full time engineer. Worked directly with the founders on developing the tech stack * Helped build out the Invoice discounting based MSME lending stack for JitFin. * Major contributions to React based frontend stack * Major revamps done on the Django based server stack * Worked on and maintained the AWS infra * Was involved in end to end product & engineering development right from understanding and analysing what the customers want to development, QA, go live and demos

Full-stack Developer at Shubh Loans, Aug 2018 - Mar 2020 · 1 yr 8 mos, Bengaluru Area, India, - Worked on and managed a highly scalable and concurrent credit decisions system using Python running on AWS Lambdas. - Developed a rule engine in Python to automate credit decisions. - Developed an agent management system from scratch using Python, React and Redux, Postgres for the database. Hosted on AWS Infra. - Worked on several business critical Integrations with third parties - Developed a system to transfer data from S3 to athena compatible data stores for further data analysis using Python

Full stack Web Developer at Wells Fargo, Feb 2018 - Aug 2018 · 7 mos, Bengaluru, Karnataka, India, - Worked on an internal Data visualization tool to dynamically generate commonly used reports and visualizations - Backend is written in Python and flask, Frontend is written in React, Redux and chart.js

Education

Bachelor of Technology (B.Tech.), Computer Science, Satyabhama University

Machine Learning Basics Nanodegree, Computer Science, Udacity

Public links

github: https://github.com/bharatkalluri