Headline

Principal Engineer @ Uni Cards | Scalable Systems | Technical Leadership

About

I’m a Principal Engineer at Uni Cards with around 9 years of experience building scalable systems across fintech and enterprise domains. I’ve led critical initiatives across credit card, loan, and investment products—delivering onboarding flows, fraud prevention systems (saving ₹3.6 Cr/year), and zero-downtime migrations for 50+ lakh users. Skilled in Java, Spring Boot, Python, AWS, and distributed system design, I’ve led cross-functional teams, driven full SDLC ownership, and mentored engineers to raise the technical bar. Previously at SAP Labs and Wipro, I built ML tools, microservices, and automation platforms deployed across cloud-native environments. Always up for a conversation on scale, system design, or tech leadership.

Location

Bengaluru

AI stack

cursor

github copilot

openai

windsurf

Work experience

Principal Engineer at Uni Cards, Jan 2026 - Present · 4 mos, Bengaluru, Karnataka, India, • Defined architecture and drove execution at org-level for high-impact initiatives, mentoring 10 engineers and collaborating cross-functionally with Tech, Product, Growth, Care, Analytics, and Business teams to deliver scalable, revenue-driving systems. • Led database migration from MongoDB to Amazon DocumentDB, delivering a near-zero downtime cutover (just 2 minutes of planned downtime) while achieving an annual infrastructure cost reduction of 2+ crore. • Proposed and developed in-house MMP(Mobile Measurement Partner) like Appsflyer and an in-house Business Rule Engine (BRE) like Scienaptic resulting in annual savings of 2.2 crore for the company. • Spearheaded a mission-critical data migration for 52+ lakh users with zero downtime, alongside a data reset for 7+ lakh users during overnight windows, orchestrating Kafka partitioning, pod scaling, and MongoDB M60 cluster tuning to handle peaks of 30K+ RPM without service degradation. • Mentored engineers and uplifted technical standards by introducing best practices through code reviews, architectural guidance, and hands-on coaching, directly contributing to the promotion of 4 engineers from SDE-I to SDE-II and improving team-wide system performance, reliability, and scalability. • Delivered across Credit Card, P2P Investment, Personal Loan, and Mutual Fund verticals, cumulatively onboarding 20+ lakh customers. • Architected and led backend development for multiple financial products, building onboarding workflows for PAN validation, multi-mode KYC, address verification, lender/bank integrations, E-Sign, and post-onboarding flows like billing, multi-party settlements, powering financial operations at national scale. Also developed a personalised credit-report-based video generator educating millions of users on their creditworthiness. • Championed the adoption of AI developer agents (Cline, Windsurf, Claude, Amazon Q, GitHub Copilot, etc.) to accelerate development cycles by 30%+

SDE III at Uni Cards, Jan 2024 - Dec 2025 · 2 yrs, Bengaluru, Karnataka, India

SDE II at Uni Cards, Jul 2022 - Dec 2023 · 1 yr 6 mos

Developer at SAP, Apr 2021 - Sep 2021 · 6 mos

Developer Associate at SAP, Oct 2019 - Apr 2021 · 1 yr 7 mos, • Designed and developed microservices for image comparison systems by name Camouflage using Spring Boot, Django, OpenCV and RabbitMQ enabling automated validation of image datasets and improving QA efficiency. • Built Test Data Engineering pipelines to transfer test data across system types, automating instance migrations via Spring Boot services and OData APIs, deployed on Cloud Foundry. • Engineered an ML-based Defect Predictor and False Positive Scanner, leveraging machine learning models to categorize incidents and detect duplicates, significantly reducing manual triaging efforts. • Developed a Test Data Container platform, creating a reusable, referenceable containerized test data solution integrated with automation tools, enhancing test data availability and reusability across teams. • Actively contributed to backend and frontend layers, building scalable UI applications using SAP UI5 and integrating with microservices for seamless operations. • Deployed and managed microservices in cloud environments, ensuring production-grade reliability, monitoring, and autoscaling via Cloud Foundry.

Associate Consultant at Wipro Limited, Aug 2017 - Oct 2019 · 2 yrs 3 mos, Bengaluru Area, India, • Developed automation solutions for Unix/Linux cloud infrastructure, scripting in Python and Bash to automate operational tasks across diverse environments. • Built metering systems to measure Work Done by Bots (WDB) across accounts, leveraging orchestrators and automation scripts to track and exceed quarterly automation targets. • Led end-to-end development of automation solutions — from requirement gathering, system study, design, implementation, testing, documentation, to deployment ensuring delivery aligned with high-quality standards. • Designed scalable automation workflows that reduced manual effort across cloud and infrastructure services, contributing to significant operational cost savings. • Collaborated closely with cross-functional teams to gather requirements, align on solution designs, and deliver production-grade automation systems at scale.

Intern at Bharat Heavy Electricals Limited, Jun 2016 - Jun 2016 · 1 mo, Bhopal, Madhya Pradesh, India

Intern at Steel Authority of India Limited, Dec 2015 - Dec 2015 · 1 mo, Bhilai Area, India

Education

Bachelor of Technology (B.Tech.), Electrical and Electronics Engineering, Manipal institute of technology

Padmawati Academy Senior Secondary School