Bhupendra Kumar Gehlot profile photo 1 on Tal

Bhupendra Kumar Gehlot

Building lending platforms and AI systems at CRED | Product engineer who ships 0→1

Bengaluru

2+ years of work experience

CRED
Jun 20251 yr 3 mosPresent

- Took full ownership of Cash by CRED's lending platform, building the complete borrower acquisition journey as a production-grade full-stack system. - Designed and implemented the middleware orchestration layer - handling authentication, rate limiting, request routing, caching, feature flags, experimentation, and downstream lending integrations serving 10,000+ weekly requests. This layer became the single boundary between product logic and upstream lending APIs, isolating complexity from frontend teams. - Also owns engineering operations across the Bankstack, CS360, AI Emailer, and lending platform surface areas: Kong API Gateway configuration, Grafana dashboards and alerting, Jenkins CI/CD pipelines, production debugging and incident response, PR governance, and cross-team technical coordination across CRED, Newtap, and VA Tech.
CRED
Dec 20247 mosJun 2025

- Built Bankstack from scratch - a backend-for-frontend platform powering 7+ lending products, serving 10,000+ weekly sessions. Designed the Express.js BFF layer to handle gRPC-to-REST transformation, dynamic screen rendering, and abstraction of downstream complexity from frontend teams. - Re-architected the Bankstack frontend around reusable templates and dynamic routing, eliminating 70–80% of screen-level code duplication and collapsing new screen rollout time from 4 days to under 5 minutes. Shipped zero-downtime migration across multiple regulated environments. - Built and productionized an AI email automation platform end-to-end. LLM-driven workflows generated 1,000+ production campaign templates, reducing campaign creation from 4–5 days to minutes. Sole owner from design through deployment. - Shipped consumer-facing journeys for CashX, Cash+, CC Cross-Sell, Flights, and Hotels — including booking, payments, onboarding, and post-purchase experiences — in collaboration with product, backend, mobile, and design.
Freo
Sep 20243 mosNov 2024

Bengaluru

- Built a transaction intelligence platform in React.js with LLM workflow integration (Gemini). Implemented context-aware caching that reduced downstream API calls by 35% and improved processing throughput by 40%. The platform enabled the data team to run real-time natural-language queries against transaction data without raw API overhead. - Built Freo Insurance's secure authentication page.
HomeLane
May 20243 mosJul 2024

Bengaluru

- Enhanced the camera workflow in HomeLane's React Native mobile app, used by 10,000+ daily active customers. Built and deployed a MobileNetV2 + TFLite model for on-device blurred image detection, reducing the need for manual quality checks by the onsite team. - Created a proof-of-concept for an RFQ backend using Supabase.
GitHub
@Bhupendra-Gehlot1

Bhupendra’s AI Stack

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Education

National Institute of Technology Raipur

Bachelor of Technology - BTech

National Institute of Technology Raipur

20214 yrs2025
Board of Secondary Education Rajasthan

12th PCM

Board of Secondary Education Rajasthan

20191 yr2020

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Headline

Building lending platforms and AI systems at CRED | Product engineer who ships 0→1

About

If you're building a fintech or platform product and need an engineer who can own something end-to-end from architecture through shipping through ops. I'm worth talking to. At CRED I've operated across the full lifecycle of production systems: designed BFF architecture, built the middleware layer, shipped the frontend, ran CI/CD, managed observability, and debugged production incidents. I don't need someone to tell me what the next problem is. I find it. Some things I've shipped in the last 18 months: → Bankstack BFF platform (0 to production, now serving 7+ lending products) → Cash by CRED acquisition platform (full-stack, millions of users) → AI campaign automation tool (cut 4–5 day workflows to minutes) → Ops tooling that freed up 50+ daily operations staff from 2-day issue queues I thrive in the ambiguity of early-stage and growth-stage products. I've been the person who builds the infrastructure, ships the feature, and writes the runbook. I don't have a narrow lane. Looking for my next challenge at a company building something hard.

Location

Bengaluru

AI stack

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Work experience

Software Engineer at CRED, Jun 2025 - Present · 1 yr 3 mos, - Took full ownership of Cash by CRED's lending platform, building the complete borrower acquisition journey as a production-grade full-stack system. - Designed and implemented the middleware orchestration layer - handling authentication, rate limiting, request routing, caching, feature flags, experimentation, and downstream lending integrations serving 10,000+ weekly requests. This layer became the single boundary between product logic and upstream lending APIs, isolating complexity from frontend teams. - Also owns engineering operations across the Bankstack, CS360, AI Emailer, and lending platform surface areas: Kong API Gateway configuration, Grafana dashboards and alerting, Jenkins CI/CD pipelines, production debugging and incident response, PR governance, and cross-team technical coordination across CRED, Newtap, and VA Tech.

Software Engineer Intern at CRED, Dec 2024 - Jun 2025 · 7 mos, - Built Bankstack from scratch - a backend-for-frontend platform powering 7+ lending products, serving 10,000+ weekly sessions. Designed the Express.js BFF layer to handle gRPC-to-REST transformation, dynamic screen rendering, and abstraction of downstream complexity from frontend teams. - Re-architected the Bankstack frontend around reusable templates and dynamic routing, eliminating 70–80% of screen-level code duplication and collapsing new screen rollout time from 4 days to under 5 minutes. Shipped zero-downtime migration across multiple regulated environments. - Built and productionized an AI email automation platform end-to-end. LLM-driven workflows generated 1,000+ production campaign templates, reducing campaign creation from 4–5 days to minutes. Sole owner from design through deployment. - Shipped consumer-facing journeys for CashX, Cash+, CC Cross-Sell, Flights, and Hotels — including booking, payments, onboarding, and post-purchase experiences — in collaboration with product, backend, mobile, and design.

Software Engineer Intern at Freo, Sep 2024 - Nov 2024 · 3 mos, Bengaluru, - Built a transaction intelligence platform in React.js with LLM workflow integration (Gemini). Implemented context-aware caching that reduced downstream API calls by 35% and improved processing throughput by 40%. The platform enabled the data team to run real-time natural-language queries against transaction data without raw API overhead. - Built Freo Insurance's secure authentication page.

Software Engineer Intern at HomeLane, May 2024 - Jul 2024 · 3 mos, Bengaluru, - Enhanced the camera workflow in HomeLane's React Native mobile app, used by 10,000+ daily active customers. Built and deployed a MobileNetV2 + TFLite model for on-device blurred image detection, reducing the need for manual quality checks by the onsite team. - Created a proof-of-concept for an RFQ backend using Supabase.

Education

Bachelor of Technology - BTech, National Institute of Technology Raipur

12th PCM, Board of Secondary Education Rajasthan

Public links

github: https://github.com/Bhupendra-Gehlot1