Headline

Senior Engineering Manager @ Moneyview · Scaled engineering through 30x business growth · Mobile, Backend & Platform · 0→1: voice-AI lending, iOS, WhatsApp · Founder @ BlrKotlin

About

I lead client engineering at Moneyview -- Android, iOS and server-driven UI, plus the app-facing BFF and platform teams behind it. Six teams, three Engineering Managers, and one of India's largest credit-led lending platforms underneath. I joined in 2021 as the second engineer on mobile, and monthly disbursals have grown roughly 30x since. Most of what I've done is build things that didn't exist yet: → An agentic voice loan journey that takes a customer from application to disbursal entirely in conversation, in 10+ Indian languages. Live in pilot, with the strongest completion rates in tier-3 towns -- a segment the app-only funnel never reached. → Moneyview's first iOS app, which I built end-to-end as the sole engineer, then made the business case to fund a dedicated team. It's now around 5% of monthly disbursals. → WhatsApp lending, which started in an internal hackathon and now drives a similar share. The less visible work matters as much. We replaced three third-party SaaS products with in-house telemetry, session recording and remote configuration -- a large annual vendor bill gone, and sensitive customer data stopped leaving our own infrastructure. We moved the app off blanket permission prompts at launch to product-scoped consent, so someone who only uses UPI never hands over SMS access, and I architected the service that now holds consent and personal data centrally for every product. Registration completion went up 10–12%. Collecting less data made us more money, which is not the trade-off anyone expects going in -- and that work is also what regulatory readiness looks like from the engineering side. On teams: I've grown this org from a handful of engineers into a multi-team organisation, promoted people into Engineering Manager and Staff Engineer roles from inside, and held attrition at roughly 4% a year. About 30% of the engineers I've hired came through BlrKotlin, the Kotlin community I've run in Bengaluru since 2017 -- now 5,000+ members. The app itself: 100M+ downloads, 4.8★, and 99.95–99.97% crash-free users, with several releases at 100%. I also wrote "Hands-On Data Structures and Algorithms with Kotlin" for Packt, and I've spoken at DroidKaigi in Tokyo, Google DevFests, and JUGs around Bengaluru. Always happy to talk engineering leadership, scaling teams, and Kotlin — nayak.chandra1@gmail.com

Location

Greater Bengaluru Area

AI stack

claude code

cursor

Work experience

Senior Engineering Manager at Moneyview, Oct 2024 - Present · 2 yrs, Bengaluru, Karnataka, India, Head of client engineering (Android, iOS and server-driven UI), plus the app-facing BFF and platform teams behind it. Six product and platform teams (Lending, UPI, Money Manager, Rewards, BFF, Platform) through three Engineering Managers and a tech-lead bench. - Agentic voice loan journey (0→1): owned ideation through delivery of an AI agent that completes the entire loan journey to disbursal conversationally, in 10+ major Indian languages, built on Sarvam and ElevenLabs. Live in pilot, with the highest success rates in tier-3 towns. - Data governance: moved the app from blanket permission prompts at launch to product-scoped consent - a UPI-only customer never grants SMS access - lifting registration completion 10-12%. Architected and delivered the Product Data Service, a central custodian for consent and personal data across Lending, UPI, Money Manager and Rewards. - Built and lead the backend team owning the app-facing BFF, the Credit Builder product, one-click release tooling and in-house remote configuration. - Own incident response for all client-facing surfaces - impact-tiered alerting from Crashlytics and server workloads through ZenDuty, with every Sev-1 taken through a fortnightly RCA and action-item review. - Sustained ~4% annual attrition while promoting engineers into Engineering Manager and Staff Engineer roles from inside the team.

Engineering Manager at Moneyview, Jan 2022 - Sep 2024 · 2 yrs 9 mos, Bengaluru, Karnataka, India, Grew mobile engineering several-fold and extended ownership beyond the client into platform and backend. - WhatsApp lending (0→1): ideated and architected the WhatsApp loan flow in an internal hackathon, then drove it to production. Now 5% of monthly disbursals. - iOS platform (0→1): built Moneyview's first iOS app end-to-end as sole engineer on Kotlin Multiplatform, then made the business case to fund a dedicated iOS team. Now around 5% of monthly disbursals. - Led architecture of a server-driven UI system that decoupled product delivery from app-store release cycles - screen content and navigation change server-side, and PMs make minor UI changes with no engineering involvement. - Replaced three third-party SaaS products with in-house telemetry, session recording and remote configuration, a large annual vendor bill eliminated, and sensitive customer data stopped leaving our own infrastructure. - Formed the platform team owning developer experience and release infrastructure, and took end-to-end ownership of mobile CI/CD on a dedicated AWS ECS cluster when central DevOps had no mobile mandate.

Lead Software Engineer at Moneyview, Jan 2021 - Dec 2021 · 1 yr, India, Joined as the second engineer on mobile and set technical direction for the Android platform. - Modernized a legacy codebase with zero user disruption: Java → Kotlin, Dagger → Hilt, ORMLite → Room, XML → Jetpack Compose. - Cut app size 63%, from 95 MB to 35 MB. - Instituted team KPIs on crash-free users, ANRs and release health - sustained 99.95–99.97% crash-free users, with multiple releases at 100%.

Senior Software Engineer at Lowe's India, Oct 2018 - Jan 2021 · 2 yrs 4 mos, Bengaluru, Karnataka, India, Built the Store Checkout application processing $100M+ per month across Lowe's US retail stores. Core member of the architecture group that designed the Java → Kotlin and SQLite → Room migration for the Lowe's consumer app (10M+ downloads, 4.8★).

Senior Software Engineer at HARMAN India, Nov 2015 - Sep 2018 · 2 yrs 11 mos, Bengaluru Area, India, - Built software for a fully offline dialysis machine in a safety-critical healthcare program for Medtronic. - Delivered a home-automation app for Honeywell.

Software Engineer at Softtrends (India), Jul 2014 - Apr 2015 · 10 mos, Bengaluru, Karnataka, India, Built Android applications and the BFF layer serving them. Owned the AOSP Calendar, Contacts and Phone apps for OEM builds, and delivered multiple client projects concurrently as the sole developer.

Jr. Software Engineer at Softtrends (India), Jun 2012 - Jun 2014 · 2 yrs 1 mo, Bangalore, Responsible for developing Android applications.

Android Developer Intern at Softtrends (India), Dec 2011 - Mar 2012 · 4 mos, Bangalore, Developing Android applications.

Education

MCA, Ravenshaw University, Cuttack