---
title: "Kunal Kulthe - Back End Developer (SDE-1) in Pune District | Tal"
description: "Meet Kunal Kulthe, Backend Engineer | Java & Spring Boot | Distributed Systems | FinTech & E-Commerce | AI-Native Development | Jio Platforms based in Pune District. AI stack includes claude code, claude, and cursor. Explore public work links including github."
image: "https://tal.club/meet/kunal-kulthe/share-image"
---

# Kunal Kulthe on Tal

## Headline

Backend Engineer \| Java & Spring Boot \| Distributed Systems \| FinTech & E\-Commerce \| AI\-Native Development \| Jio Platforms

## About

I'm a Backend Software Engineer at Jio Platforms, where I build and scale Java/Spring Boot microservices for payment and financial systems used by JioMart, Reliance Digital, Tira Beauty, JioBlackRock, and ICICI Prudential — processing millions of rupees in daily transaction value across 50\+ merchant platforms\. Over the past 2\.5 years, I've owned features end\-to\-end: from designing distributed systems and integrating payment gateways \(PayPhi, Razorpay, PhonePe, MobiKwik\) to building payout disbursement flows via Citi and Axis Bank APIs, implementing bank account validation, and shipping internal tooling that helps operations teams work without engineering dependency\. I've also contributed to an anomaly detection system that surfaces payment failure root causes in real time\. One thing I'm genuinely excited about is AI\-native development\. I use Cursor and Claude as core tools in my daily workflow — not as a gimmick, but as a real force multiplier\. I built an entire payment page revamp end\-to\-end in 3 weeks using AI\-assisted development, with zero post\-deployment defects\. I believe engineers who learn to work with AI tools effectively will have a significant edge, and I'm already building that way\. I'm passionate about FinTech, high\-performance backend systems, and building software that operates at real scale\. I'm always open to connecting with engineers, product people, and teams working on interesting problems\. 📧 kunalkulthe01@gmail\.com

## Location

Pune District

## AI stack

claude code

claude

cursor

glama

claudecode

githubcopilot

ChatGPT

ChatGPT Images

## Work experience

Back End Developer \(SDE\-1\) at Jio Platforms Limited \(JPL\), Feb 2024 \- Present · 2 yrs 6 mos, Navi Mumbai, Maharashtra, India, Building and scaling Java/Spring Boot microservices for payment systems across 50\+ merchant platforms in the Reliance retail and financial ecosystem — JioMart, Reliance Digital, Tira Beauty, JioBlackRock, and ICICI Prudential\. Key highlights: • Integrated Razorpay, PhonePe, MobiKwik, CAMS Pay, and PayPhi across 15\+ merchant configurations for payment collection, EMI, AutoPay, and refund flows • Built payout disbursement flows via Citi and Axis Bank APIs with bank account validation — live in production across JioMart, JioBlackRock, and Tira Beauty • Shipped a full payment page revamp in 3 weeks using AI\-native development \(Cursor, Claude\) — zero post\-deployment defects • Extended payment link generation from API\-only to a full self\-serve UI, enabling ops teams to onboard 3 new merchants independently • Contributed log\-based anomaly detection to an internal support tool — surfacing 10\+ payment failure root causes daily • Improved API response times through Redis caching, SQL/index optimization, and ZooKeeper\-based distributed coordination

Back End Developer at Jio Platforms Limited \(JPL\), Feb 2024 \- Present · 2 yrs 5 mos, Navi Mumbai, Developing secure and scalable payment processing applications using Spring Boot and REST APIs to support high\-volume transactions\. Integrating multiple payment gateways, ensuring seamless financial transactions across various platforms\. Gained an understanding of Redis caching and its role in optimizing system performance\. Explored Zookeeper’s role in distributed systems, enhancing knowledge of service coordination and fault tolerance\. Collaborating with cross\-functional teams to refine backend architecture and improve system efficiency\.

Graduate Engineer Trainee at Jio Platforms Limited \(JPL\), Jan 2024 \- Feb 2024 · 2 mos, Navi Mumbai, Maharashtra, India

Android Developer Intern at MDU SANTISOLUTION PVT LTD, Dec 2021 \- Feb 2022 · 3 mos, India, Developed a scalable financial services Android app using Kotlin, Java, PHP, and MySQL, ensuring high performance and security\. Collaborated with cross\-functional teams to optimize app performance and enhance user experience\. Implemented database operations and backend integrations to support seamless app functionality\. Communicated with the team and manager to align development with project goals and industry best practices\.

## Education

Bachelor's degree, Computer Engineering, Sinhgad college of engineering

Diploma of Education, Computer Engineering, Government Ploytechnic , Dhule

## Public links

- github: https://github\.com/Kunal726

[View the original profile](https://tal.club/meet/kunal-kulthe)

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